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

This position is responsible for growing and maintaining the payments business portfolio for businesses in the lower end of the Business Banking segment. The Virtual Treasury Management and Payments Consultant provides consultative support to existing clients, helping them improve cash flow, working capital management, payment processes and day-to-day financial operations. In collaboration with Business Banking

Relationship Managers and internal partners, this role deepens payments relationships, supports retention and delivers a consistent, efficient virtual client experience.

The Virtual TMPC will:

• Grow, manage and retain an assigned portfolio of lower-end Business Banking clients through proactive,
• primarily virtual outreach and relationship management.
• Conduct discovery and analysis of client receivables, payables, liquidity, cash conversion cycle, working
• capital and internal payment processes.
• Provide consultative recommendations that improve payment efficiency, strengthen controls, simplify
• processes and enhance the client experience.
• Partner closely with Business Banking Relationship Managers to prioritize opportunities, prepare for client
• conversations, coordinate follow-up and expand existing relationships.
• Use phone, video, digital collaboration tools and other available technologies to efficiently serve a broad
• portfolio and deliver timely, accurate support.
• Maintain a disciplined sales process, including opportunity identification, pipeline development, activity
• management, proposal follow-up and documentation of client interactions.
• Meet or exceed assigned sales, revenue, portfolio growth and retention objectives while balancing client
• needs, risk requirements and operational quality.
• Coordinate the structuring and implementation of new or modified payment services, engaging
• implementation, service, product and risk partners as appropriate.
• Provide ongoing portfolio support by identifying servicing needs, resolving or coordinating issue resolution,
• and ensuring account and service structures remain aligned with client needs.
• Stay current on payments capabilities, digital solutions, industry trends, fraud considerations and
• applicable policies to support informed client conversations.
• Demonstrate operational excellence, accuracy, sound judgment and a client-focused approach in every
• interaction.

Basic Qualifications

• Bachelor’s degree, or equivalent work experience.
• Three to five years of related experience.
• Position Overview | Virtual TMPC

Preferred Skills and Experience

• Working knowledge of Treasury Management and payments solutions, including receivables, payables,
• liquidity, merchant and card services.
• Demonstrated sales, portfolio management and new business development skills.
• Strong client service, relationship management and consultative discovery skills.
• Effective verbal and written communication skills, including the ability to build trust and influence in a
• virtual environment.
• Active listening, problem-solving and organizational skills, with the ability to manage a high-volume
• portfolio and multiple priorities.
• Ability to work independently while collaborating effectively with Relationship Managers and internal
• partners.
• Comfort using digital tools and teaching clients how to adopt and use payments technology.
• Attention to detail and a commitment to accurate documentation, follow-through and operational
• excellence.

Location

The role offers a hybrid/flexible schedule. If not prospecting and meeting with clients, there's an in-office expectation of 3 or more days per week with the flexibility to work outside the office location for the other days.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• 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

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.