Commercial Banking Payables Consultant - Cross Border

BMO • Chicago, IL

6d • $100,000 - $220,000

About The Position

The Payables Consultant – Cross Border applies consultative sales and relationship-management skills to develop leads and close sales of Commercial Card and payment solutions for new and existing cross-border clients. The role collaborates with Relationship Managers, Treasury Consultants, and other internal stakeholders to develop tailored solutions, manage complex deals, maintain regulatory compliance, and oversee implementation timelines and delivery. It builds strategic client relationships, identifies cross-selling opportunities, and supports adoption of North American Treasury and Payment Solutions digital products.

The consultant serves as a subject-matter expert and specialist resource to senior leaders, contributes to enterprise-wide initiatives, and analyzes client and industry data to develop customized strategies, including working-capital optimization. The role also supports database and data-governance practices, improves workflows across treasury and payment operations, and adapts solutions and processes as market trends change. It applies BMO’s Risk Management Framework and makes sound, risk-informed decisions consistent with applicable policies, laws, and regulations. Broader work or accountabilities may be assigned as needed.

Requirements

• At least 5 years of relevant experience in sales and treasury management, financial operations, or risk management in a corporate or banking environment is preferred; another version of the posting states 7 or more years is preferred.
• Commercial Card knowledge and experience is required.
• Bachelor’s degree is required; a related discipline or commensurate work experience may be considered.
• Seasoned professional with a combination of education, experience, and industry knowledge.
• Advanced proficiency in deal structuring and Commercial Card solutions.
• Expert proficiency in working capital, treasury management, financial analysis, risk assessment, collaboration, regulatory compliance, data analysis and reporting, Sales CRM, and problem solving.
• Ability to apply consultative sales and relationship-management practices, manage complex sales processes, and work with cross-functional stakeholders.

Nice To Haves

• Commercial Banking experience.
• Treasury payment systems experience.
• Master’s degree preferred; Business Administration, Finance, and Accounting are preferred fields of study.
• Advanced proficiency in payment technologies; one version of the posting lists payment technologies as expert-level proficiency.
• Expert proficiency in cash management, payment technologies, quality assurance auditing, and collaboration, as listed in one version of the posting.

Responsibilities

• Generate and manage leads and sales for Commercial Card and payment solutions for new and existing cross-border clients, from initial engagement through deal close.
• Build and nurture strategic relationships with prospects and existing clients, identify cross-selling opportunities in treasury and cash management, and use professional networks to expand business reach.
• Lead complex deal closures in coordination with internal teams and stakeholders, ensuring efficient execution and compliance.
• Evaluate vulnerabilities and manage risk within client portfolios while aligning service levels with business objectives and regulatory requirements.
• Monitor and oversee client implementation activities, documentation, pricing, and project timelines to support timely delivery; provide feedback to refine internal processes and improve client experience.
• Provide subject-matter expertise and innovative payables and treasury solutions to improve client and internal operational efficiency.
• Represent the organization at industry forums and community events, using market insights to support the Bank’s brand and identify business opportunities.
• Coordinate cross-functional teams on strategic initiatives aligned with business goals, operational excellence, and market practices.
• Coordinate database management and ensure data alignment and integration in accordance with data-governance standards.
• Lead workflow and process improvements across treasury and payment operations to enhance efficiency.
• Maintain long-term relationships with high-value and strategic clients, provide advice on financial solutions, and support exceptional service and partnership.
• Analyze client and industry data to shape tailored client strategies, including working-capital optimization.
• Work with internal stakeholders to define products, solutions, and strategies that fit client needs.
• Build advocacy for and adoption of North American Treasury and Payment Solutions digital products and solutions.
• Ensure adherence to regulatory requirements, internal controls, compliance obligations, and service standards while mitigating risk.
• Serve as a specialist resource to senior leaders and stakeholders at a group or enterprise-wide level; resolve complex, non-routine, or ambiguous problems and implement changes in response to market trends.
• Apply the Risk Management Framework and make risk-informed decisions that align with business strategy, protect assets, and comply with applicable policies, laws, and regulations.
• Take on broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in total compensation.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior