Treasury Consultant – Treasury & Payment Solutions Specialty Groups - Institutional Markets

BMO • Sacramento, CA

5d • $100,000 - $220,000

About The Position

The Treasury Consultant is a senior sales advisor in BMO’s U.S. Commercial Bank Treasury and Payment Solutions (TPS) Sales organization. The role manages a portfolio of public sector clients and prospects, drives revenue growth, and delivers tailored treasury management and payment solutions. It applies consultative sales and relationship-management practices to generate leads and close business with new and existing clients while ensuring regulatory compliance. The position also monitors implementation activities, improves sales processes, and manages client engagement and outcomes.

The consultant partners with Relationship Managers and internal Service, Onboarding, and other teams to deepen relationships, convert prospects, structure complex deals, and deliver seamless implementations and ongoing support. The role provides strategic advice on treasury, liquidity, working capital, payments, and risk mitigation; analyzes client and industry data; and supports adoption of North American TPS digital products. It also serves as a subject matter expert and specialist resource to senior leaders, coaches Treasury Advisors and Portfolio Managers, coordinates strategic initiatives, and champions workflow improvements across treasury and payment operations.

Requirements

• Bachelor’s degree required; a related discipline or commensurate work experience may be considered.
• At least 8 years of experience in treasury management sales within banking or fintech.
• Proven ability to manage complex client relationships and deliver consultative solutions.
• Strong analytical and data-interpretation skills.
• Proficiency with Excel and reporting tools.
• Deep knowledge of treasury products, payment systems, and cash-management strategies.
• Excellent communication, negotiation, and organizational skills.
• Seasoned professional with a combination of education, experience, and industry knowledge.

Nice To Haves

• Corporate treasury practitioner experience is strongly preferred.
• CTP certification preferred.
• Master’s degree preferred.
• Business Administration, Finance, or Accounting preferred.
• Advanced proficiency in structuring deals.
• Expert proficiency in treasury management, cash management, payment technologies, financial analysis, risk assessment, quality assurance auditing, regulatory compliance, data analysis and reporting, sales CRM, problem solving, and collaboration.

Responsibilities

• Manage and grow a portfolio of public sector clients by identifying treasury needs, delivering tailored solutions, and meeting sales, relationship, cross-selling, and portfolio-growth objectives.
• Partner with Relationship Managers on strategic account planning and joint client calls to deepen existing relationships and convert prospective clients.
• Develop proposals, pricing strategies, and presentations for new business and expanded TPS relationships.
• Conduct regular client calls and business reviews, address issues, and provide insights on liquidity management, payment optimization, and risk mitigation.
• Analyze financial, company, client, and industry data to structure appropriate treasury products and services and develop customized solutions, including working-capital optimization.
• Partner with Service, Onboarding, and other internal teams to support client implementations and ongoing service.
• Monitor portfolio performance, analyze data, and provide insights that support client success.
• Maintain accurate Salesforce records and reporting for performance and client activity; coordinate database management and data alignment in accordance with data-governance standards.
• Ensure adherence to regulatory requirements, internal controls, compliance obligations, risk frameworks, and service standards.
• Attend and represent the Bank at industry forums and community events, using market insights to support sales strategies, strengthen the Bank’s brand, and identify opportunities.
• Coach Treasury Advisors and Portfolio Managers on skills needed to progress to the Treasury Consultant role.
• Lead business development by cultivating strategic relationships, identifying cross-selling opportunities, and leveraging professional networks.
• Lead complex deal closures with internal teams and stakeholders, ensuring efficient execution aligned with organizational goals and compliance.
• Evaluate vulnerabilities and manage risks in client portfolios while aligning service levels with business objectives.
• Oversee implementation activities, including documentation, pricing, and project timelines; ensure timely delivery and provide feedback to improve internal processes and client experience.
• Serve as a subject matter expert and specialist resource to senior leaders and stakeholders, applying expertise to complex or non-routine situations.
• Execute strategic initiatives by coordinating cross-functional teams and ensuring alignment with business goals and operational practices.
• Champion large-scale workflow improvements and apply best practices across treasury and payment operations.
• Build and maintain long-term relationships with high-value and strategic clients, providing financial advice and exceptional service.
• Work with internal teams and stakeholders to define products, solutions, and strategies that fit client needs; build advocacy and adoption of North American TPS digital products and solutions.
• Adapt to shifting trends and take measured, risk-informed decisions consistent with the Bank’s Risk Management Framework, Risk Culture, approved Risk Appetite, policies, and applicable laws and regulations.
• Perform other 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, depending on the position’s pay type.
• Other perks and rewards may be included in the total compensation package.

What This Job Offers

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