Purpose
This is an exciting opportunity for a Subject Matter Expert in Cash Management and Payments to play an integral role supporting the development of a global online banking platform for small business, corporate and commercial customers.
The incumbent is responsible for supporting the planning and business execution of the online business banking channel. This will include working with various stakeholders across the organization to design, develop, and implement the platform. The incumbent will be accountable for refining and prioritizing requirements, ongoing optimization of capabilities, and supporting customer adoption.
In fulfilling the role, the incumbent will be supporting the creation of a global product.
This will require them to work independently and as part of a cross-functional global team, working with partners across the Bank's international footprint. The incumbent will work closely with key internal partners (e.g., Technology, Security, Control Functions, and other business partners) and external partners such as third-party vendors, suppliers, and consultants as needed to lead, co-lead, and/or support the development of this platform.
Accountabilities
1. Define the target customer experience, leveraging market intelligence and user-centric design principles and ensure the prioritization of this throughout the build process:
- Understanding current market research and tracking of global trends, competitor offerings, and understanding market requirements.
- Maintaining lines of communication with delivery network, partners, and customers about needs, competitive opportunities, and trends.
- Maintaining active participation in strategic conversations about customer experience in the business banking space.
- Develop and execute strategic business plans and requirements for the global platform:
- Use market and industry knowledge to translate user needs into user stories and acceptance criteria for your team, maintaining a backlog of 3 to 4 sprints ahead of the team.
- Direct the development and definition of key capabilities and functionality.
- Review development work completed throughout sprint cycles to ensure key metrics are achieved and a process of continual improvement of the capabilities and customer experience are achieved.
- Support the implementation of the platform from migration strategy creation, internal and external pilot, and ongoing sustainment.
- Provide strong team leadership to motivate the program teams and ensure the achievement of agreed-upon performance metrics by:
- Set team goals, monitor, and report progress regularly using dynamic/visual tools.
- Fostering and developing a strong, positive team environment, driving individual contributor and team empowerment, innovation, and a high degree of engagement.
- Sharing knowledge, experience, and responsibility with technology teams in a drive for the highest standards of professionalism and service excellence.
- Monitoring and coaching to achieve performance metrics.
- Ensure all team members are aware of the business rationale as to why we are building certain functionalities and the associated customer impact/feedback received.
- Creates an environment in which his/her team pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk,
and conduct risk.
- Act as a Subject Matter Expert in the realm of online business banking channels and the associated Cash Management and Payment Services offered through them:
- Electronic Banking knowledge about below products:
- Payment Services, including International Wire Payments, Domestic low-value clearing systems (ACH), Bill, FED wires, Service and Tax Payments, and Account Transfers, Clearing House Interbank Payments System (CHIPS).
- Account Balance and Transaction Reporting, Account Statements, Account Reconciliation, and Collection/Receivables services (including cheque processing/clearing/reconciliation). Such as BAI2, MT940, ISO20022 XML.
- Liquidity Management services including zero-balance accounts, account sweeps, and fund pooling.
- Channel security components including perimeter security, fraud management, biometric,
and risk-based authentication models.
Experience:
- Degree/postgraduate degree, preferably in Business Administration.
- 5+ years' experience in Cash Management and Payments industry and in-depth understanding of the global payments marketplace and regulatory environment.
- Experience working on large technology projects using industry-standard delivery methodologies (e.g., Agile/Scrum/Kanban).
- In-depth understanding of delivery networks of financial products and services within the context of the Bank's sales and service strategies across the various delivery channels.
- Strong business sense with knowledge of financial concepts and the ability to apply them to business situations.
- Strong negotiating skills with experience in deal structuring.
- Excellent written & oral communication skills are required (English fluent speaker, Spanish is nice to have but not required).
- Strong decision-making, forward-thinking, and creative problem-solving skills.
- Be results-oriented and innovative in identifying and pursuing opportunities to leverage capabilities to increase revenues, decrease costs, and mitigate risks.
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