TM Consultant III - Merchant Services

First Commonwealth Bank•Seven Hills, OH

About The Position

The Treasury Management Consultant III - Merchant Services serves as a trusted advisor to business clients, delivering consultative treasury management and merchant services solutions that improve cash flow, optimize payment acceptance, accelerate receivables, streamline disbursements, mitigate fraud, and simplify banking operations. The role is responsible for sales, revenue generation, portfolio management, internal partnership development, and risk management across an assigned market. The consultant builds client relationships and identifies opportunities to deepen them through merchant services, treasury management, and payment solutions. The role manages a portfolio of merchant services relationships generating annual fee income of $1.0 million or greater, while driving year-over-year growth in fee income, deposit balances, and overall share of wallet. Working with Treasury Management partners, Relationship Managers, and Retail partners, the consultant develops customized solutions that address clients’ business needs and strategic objectives.

Requirements

Bachelor’s degree in Business or a Finance-related field, and/or equivalent experience.
A minimum of seven years of Commercial Banking experience with proven treasury management sales experience.
Exceptional leadership and communication skills, with the ability to influence others.
Strong computer and analytical skills.
Valid driver’s license.
Ability to travel locally or regionally.

Nice To Haves

Certified Treasury Professional certification preferred.

Responsibilities

Serve as the Merchant Services subject matter expert for assigned markets, partnering with Treasury Management Consultants, Relationship Managers, and Retail partners to identify, structure, and close opportunities.
Coordinate relationship management and sales activities within the portfolio to grow merchant services revenue, increase share of wallet, and improve the client experience.
Generate year-over-year growth in merchant services revenue and support treasury management fee income, deposit, and profitability goals, including through new production, treasury management solutions, pricing optimization, and retention.
Acquire, expand, and retain client relationships, identifying opportunities to introduce merchant services and complementary treasury management solutions.
Consult with business clients about payment acceptance, receivables, and operational challenges, recommending tailored solutions to improve efficiency, reduce costs, enhance client experience, and support growth.
Provide strategic insights and solution recommendations through discovery conversations, client reviews, industry benchmarking, cash flow process reviews, and assessment of treasury-related needs.
Develop and maintain an active sales pipeline using CRM tools, market intelligence, referral partnerships, and calling activities; advance and close opportunities while managing performance against assigned goals.
Partner with Treasury Management Consultants and banking teams to identify opportunities among existing and prospective relationships.
Work with the Third-Party Merchant partner to negotiate pricing, terms, and solution structures while meeting client needs and maintaining profitability standards; collaborate with management and product partners when approvals or exceptions are required.
Assess and manage operational, fraud, regulatory, reputational, and credit-related risks during the sales process and throughout ongoing client relationships, following the Bank’s risk framework, policies, and regulatory requirements.
Build and maintain internal and external networks, including community organizations, industry associations, centers of influence, and referral partners, to generate business and expand market presence.
Collaborate with implementation, operations, customer service, treasury management support, and product teams to support seamless onboarding and ongoing client satisfaction.
Use reporting, sales tools, and portfolio analytics to identify growth opportunities, monitor relationship profitability, manage pricing discipline, and support strategic sales planning.
Maintain knowledge of merchant services, treasury management products, payment trends, regulatory requirements, and industry best practices; provide guidance and education to clients and internal partners.
Mentor and serve as a resource to Treasury Management Consultants, Treasury Management Support Associates, and banking partners on merchant services positioning, sales strategy, and client engagement.