TM Consultant III - Merchant Services

The Treasury Management Consultant II - Merchant Services serves as a trusted advisor to business clients by delivering consultative treasury management and merchant services solutions designed to improve cash flow, optimize payment acceptance, accelerate receivables, streamline disbursements, mitigate fraud, and simplify banking operations. This role is responsible for sales, revenue generation, portfolio management, internal partnership development, and risk management across an assigned market. Leveraging strong relationship-building skills and deep product expertise, the consultant develops client trust and identifies opportunities to deepen relationships through merchant services, treasury management, and payment solutions.

The Treasury Management Consultant 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 closely with Treasury Management partners, Relationship Managers, and Retail partners this individual develops customized solutions that address each client's unique business needs and strategic objectives.

Essential Job Responsibilities__________________________________

1. Serves as the Merchant Services subject matter expert for our markets, partnering closely with Treasury Management Consultants, Relationship Managers, and Retail partners to identify, structure, and close merchant services opportunities that drive revenue growth and deepen client relationships.

2. Coordinates relationship management and sales activities within the portfolio, working collaboratively with internal partners to grow merchant services revenue, increase share of wallet, and enhance the overall client experience.

3. Generates year-over-year growth in merchant services revenue and supports achievement of treasury management fee income, deposit, and profitability goals established by management. Revenue responsibilities may include new merchant services production, treasury management solutions, pricing optimization, and retention.

4. Works within established guidelines to acquire, expand, and retain client relationships, identifying opportunities to introduce merchant services and complementary treasury management solutions that align with client needs and business objectives.

5. Consults with business clients to understand payment acceptance, receivables, and operational challenges, recommending tailored merchant services solutions that improve efficiency, reduce costs, enhance the client experience, and support growth.

6. Provides strategic insights and solution recommendations through discovery conversations, client reviews, industry benchmarking, cash flow processes, and treasury-related needs.

7. Develops and maintains an active sales pipeline, leveraging CRM tools, market intelligence, referral partnerships, and calling activities to proactively identify, advance, and close opportunities while managing performance against assigned goals.

8. Partners with Treasury Management Consultants and banking teams to uncover opportunities within existing and prospective relationships, including clients that may benefit from merchant services, treasury management solutions, or a broader operating relationship with the bank.

9. Works alongside our Third-Party Merchant partner to negotiate pricing, terms, and solution structures to deliver competitive client outcomes while maintaining profitability standards. Collaborates with management and product partners when approvals or exceptions are required.

10. Assesses and effectively manages operational, fraud, regulatory, reputational, and credit-related risks throughout the sales process and ongoing client relationships, while adhering to the Bank's risk management framework, policies, and regulatory requirements.

11. Builds and maintains strong internal and external networks, including community organizations, industry associations, centers of influence, and referral partners, to generate new business opportunities and expand market presence.

12. Collaborates with implementation, operations, customer service, treasury management support, and product teams to ensure a seamless onboarding experience and ongoing client satisfaction.

13. Leverages reporting, sales tools, and portfolio analytics to identify growth opportunities, monitor relationship profitability, manage pricing discipline, and support strategic sales planning.

14. Maintains knowledge of merchant services, treasury management products, payment trends, regulatory requirements, and industry best practices, providing guidance and education to both clients and internal partners.

15. Acts as a mentor and resource to Treasury Management Consultants, Treasury Management Support Associates, and banking partners, sharing expertise in merchant services solution positioning, sales strategy, and client engagement.

Bona Fide Occupational Qualifications___________________________

1. A Bachelor’s degree in Business or Finance related field, and/or equivalent experience

2. A minimum of seven (7) years Commercial Banking experience with proven treasury management sales experience.

3. Exceptional leadership and communication skills with the ability to influence others, as well as strong computer and analytical skills are necessary

4. Certified Treasury Professional Certification preferred

5. Must have a valid driver’s license and be able to travel locally/regionally