Senior Commercial Card Consultant - Payment Services (Merchant & Institutional)

U.S. Bank • Charlotte, NC

5d • Hybrid

About The Position

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description SUMMARY The Senior Commercial Card Consultant plays a critical role in evaluating client/prospect commercial card programs, identifying opportunities for improvement, and delivering actionable insights. This position requires strong analytical skills, relationship-building capabilities, and a deep understanding of transactional data to support strategic recommendations.

Requirements

• Ten or more years of applicable experience.
• Bachelor’s degree in Business, Finance or Accounting (or equivalent experience).
• Ability to travel up to 30%.

Nice To Haves

• 7 or more years of experience in commercial card programs, payment solutions, virtual payments, treasury and accounts payable operations.
• Strong analytical and problem-solving skills with proficiency in data manipulation and interpretation.
• Excellent communication (written and verbal) as well as relationship-building abilities.

Responsibilities

• Assessment of Client Commercial Card Programs: Conduct comprehensive evaluations of client card offerings to identify strengths, gaps, and areas for optimization. Provide tailored recommendations to enhance program performance and client satisfaction.
• Provide Strategic Guidance: Deliver consultative support to clients, leveraging data-driven insights and industry best practices to improve program effectiveness, efficiency and profitability.
• Analyze Transactional Data: Review and interpret transactional data to uncover spend trends, usage patterns, and actionable insights that inform strategic decisions and client recommendations.
• Develop Internal Relationships: Build and maintain strong partnerships with internal stakeholders, including Bankers, Sales teams, Relationship Managers, and Partners—to promote awareness of available resources and ensure alignment on client objectives.
• Stay Current on Industry Trends: Monitor developments in payment solutions, card programs, and regulatory changes to ensure recommendations remain relevant and competitive.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 5,001-10,000 employees