Relationship Advisor II

First Citizens Bank•Charlotte, NC

1d•Hybrid

About The Position

The Relationship Advisor II manages a portfolio of Commercial Banking clients and is responsible for client onboarding, servicing, and proactive solutioning. As a key member of each client’s relationship team, the advisor serves as the dedicated point of contact for deposit and cash management banking needs. The role collaborates with Relationship Managers, Product Advisors, clients, and operational support teams to understand client needs, coordinate services, mitigate risks, resolve inquiries, and support client success. It is hybrid, with work regularly taking place inside and outside the Charlotte office.

Requirements

Bachelor’s degree and at least 1 year of experience in banking/financial services or customer service, or a high school diploma/GED and at least 5 years of experience.
Cross-functional collaboration skills.
Written and verbal communication skills.
Critical thinking skills.
Ability to build productive relationships.

Nice To Haves

Retail branch banking experience.
Strong experience building client relationships.
Demonstrated organizational skills.
Ability to prioritize tasks and manage time effectively in a fast-paced environment.
Strong written and verbal communication skills.
Ability to work in a team environment and independently.

Responsibilities

Lead client onboarding in collaboration with the Relationship Manager and Product Advisor, taking into account the client’s strategy and short- and long-term financial needs.
Lead discussions to identify deposit and cash management needs and independently conduct product demonstrations.
Explain documentation and data requirements for new services, including product documentation and KYC requirements.
Gather and validate legal documentation to meet KYC requirements based on the client’s legal entity type.
Coordinate handoffs to centralized support teams for product fulfillment and keep clients apprised of implementation status.
Engage clients after onboarding to review services and support understanding and utilization.
May assist more junior Relationship Advisors with client onboarding.
Acknowledge incoming service inquiries and coordinate timely resolution.
Transition service tasks to appropriate support teams and keep clients informed of progress and resolution.
Research and resolve complex client inquiries, ensuring the solution addresses the client’s need or issue.
Use service needs to identify broader solutions and take initiative to resolve complex inquiries before escalating to a manager.
Advise clients on risk mitigation strategies addressing money laundering and fraud.
Manage internal KYC for new client onboardings, explain BSA/AML requirements based on legal entity type, and help clients address additional regulatory information requests.
Lead discussions about fraud mitigation and recommend account, digital banking, and fraud solution controls.
Collaborate with Relationship Managers and operational partners to triage KYC, sanctions, high-risk industry, and fraud alerts.
Stay informed about clients’ short- and long-term strategies and advise relationship teams on service themes and trends.
Identify opportunities to support client needs based on industry and life stage, and conduct proactive touchpoints to strengthen relationships.
Conduct client account reviews and facilitate product discussions to support short- and long-term financial needs.
Position select deposit and cash management solutions from qualification through closing.