Commercial Banking Payables Consultant - Cross Border

Bank of Montreal • Chicago, IL

4d • $100,000 - $220,000

About The Position

The Payables Consultant – Cross Border applies consultative sales and relationship-management skills to generate leads and manage the sales cycle through closing for 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 payables, treasury, and cash-management solutions, while ensuring regulatory compliance and effective risk management.

The consultant builds and maintains relationships with high-value clients and prospects, identifies cross-selling opportunities, supports complex deal closures, and advises clients on financial solutions, including working-capital management. The position also oversees implementation activities, documentation, pricing, and timelines; promotes adoption of North American Treasury and Payment Solutions digital products; and provides subject-matter expertise to improve client and operational outcomes.

The role coordinates cross-functional strategic initiatives, manages and integrates data in accordance with governance standards, and leads workflow and process improvements across treasury and payment operations. It represents the organization at industry and community events, uses market and client data to identify opportunities, and serves as a specialist resource to senior leaders. The consultant applies the bank’s Risk Management Framework and follows applicable policies, laws, regulations, internal controls, and service standards. Broader work or accountabilities may be assigned as needed.

The posting includes differing qualification descriptions: one specifies 5+ years of relevant experience and another specifies 7+ years. Both describe a seasoned professional with industry knowledge and require a bachelor’s degree; a master’s degree is preferred. Commercial Card experience is identified as a must-have in one qualification section, while commercial banking experience and treasury payment systems are identified as nice-to-haves.

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 in one qualification section; a later section specifies 7+ years of relevant experience as preferred.
• Bachelor’s degree required; a master’s degree preferred. Business Administration, Finance, and Accounting are preferred fields, though another related discipline or commensurate work experience may be considered.
• Seasoned professional with a combination of education, experience, and industry knowledge.
• Commercial Card knowledge and experience are identified as a must-have in one qualification section.
• Advanced proficiency in deal structuring; one qualification section also lists Commercial Card Solutions and Payment Technologies at the advanced level.
• Expert proficiency in Treasury Management, Financial Analysis, Risk Assessment, Collaboration, Regulatory Compliance, Data Analysis, Reporting, Sales CRM, and Problem Solving.
• A second qualification section additionally lists Cash Management, Quality Assurance, and Auditing at the expert level.

Nice To Haves

• Commercial Banking experience.
• Treasury payment systems experience.
• Master’s degree.
• Business Administration, Finance, or Accounting education.

Responsibilities

• Generate leads and manage consultative sales cycles through closing for Commercial Card, payables, treasury-management, and payment solutions for new and existing cross-border clients.
• Collaborate with cross-border Relationship Managers, Treasury Consultants, and internal stakeholders to develop solutions tailored to client needs.
• Build and nurture strategic relationships with prospects and existing clients, identify cross-selling opportunities, and use professional networks to expand business reach.
• Lead complex deal closures with internal teams and stakeholders, ensuring efficient execution aligned with business goals and compliance requirements.
• Evaluate potential vulnerabilities and manage risks within client portfolios while maintaining regulatory compliance and appropriate service levels.
• Oversee client implementation activities and monitor timelines; support implementation documentation, pricing, and project plans, and provide feedback to improve processes and client experience.
• Serve as a subject-matter expert and deliver innovative payables, treasury, and payment solutions that improve client and internal operational efficiency.
• Represent the organization at industry forums and community events, using market insights and trends to reinforce the bank’s brand and identify business opportunities.
• Coordinate cross-functional strategic initiatives and teams to support business goals, operational excellence, and market-leading practices.
• Coordinate database management and ensure data alignment and integration comply with data-governance standards.
• Lead workflow improvements and apply best practices across treasury and payment operations to enhance operational efficiency.
• Maintain long-term relationships with high-value and strategic clients, provide strategic financial advice, and support exceptional service and partnership.
• Analyze client and industry data to develop customized client strategies, including working-capital optimization.
• Work with internal teams and 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.
• 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; address complex, non-routine, unique, or ambiguous situations and adapt to changing trends.
• Apply the Risk Management Framework and make sound, risk-informed decisions that protect bank assets and comply with applicable policies, laws, and regulations.

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