דרושים ב-Bank Of America ב-Germany, Frankfurt

The Function

The Client Outreach team are the front line unit who collaborate with clients as part of meeting Know Your Client (KYC) periodic refresh and remediation requirements. We work in close collaboration with Global Corporate and Investment Bankers and Global Markets Sales to support the Bank’s global regulatory and policy requirements as it relates Client Due Diligence (CDD) documentation collection, with support from Operations and Global Financial Crimes Risk teams. The team identifies and develops client connections, engages client representatives to obtain KYC documentation, and acts as a coordination point for resolving issues/challenges with respect to client and country specific documentation requirements in a timely manner. In addition to the ongoing document engagement, individuals within the team keep abreast of global regulatory change that could influence processes and identify opportunities that enhance the client experience.

The Role

The KYC Client Outreach Specialist (COS) teams serve as the Front Line Unit engaging with clients across business sectors and regions to meet KYC requirements for periodic refreshes in a timely manner.

Role Responsibilities

• Lead client outreach for periodic KYC refresh and remediation activities.

• Guide clients through CDD/ECDD requirements, including jurisdiction-specific nuances.

• Act as the primary point of contact for clients and internal stakeholders (Bankers, Operations, Risk, etc.).

• Collaborate across functions to resolve KYC-related issues efficiently and effectively.

• Monitor and understand the risks and impacts of non-compliance with KYC processes, including restrictions, closures, and associated business growth impacts.

• Collect and relay client feedback to support continuous improvement of KYC processes.

• Identify and escalate process issues; contribute to solutions that enhance client experience.

• Ensure performance targets are met and exceptions are addressed within required timeframes.

• Maintain full compliance with internal policies, regulatory standards, and data privacy obligations.

Required Skills

• Bachelor’s degree or equivalent work experience; CAMS certification preferred.

• KYC experience in large financial institutions.

• Strong knowledge of global AML/CDD policies and industry best practices.

• Excellent client communication and relationship management skills.

• Highly organized with strong attention to detail.

• Ability to manage multiple priorities in a fast-paced environment.

• Proficiency in Microsoft Office (Excel, PowerPoint, Word).

• Fluency in English

• Additional language skills in German, Italian, or French are a strong plus.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Description:

Job Title:Treasury Sales Officer

Vice President

Global Payments Solutions Group

Do you want to be part of our award-winning team? We are proud to:

• Be a leading provider of treasury and cash management solutions

• Deliver for over 100,000+ clients globally, including over 73% of the Global Fortune 500

• Be at the forefront of delivering treasury solutions across all segments and all industries, from middle-market businesses to the world’s largest corporate and financial institutions

• Provide a personalised service for our clients, backed with high-tech for their liquidity management, payments and receipts, trade and supply chain finance and FX and commercial card services

We want to hear from you if you are:

• A highly-motivated individual

• Has a client-centric focus who can advocate on their behalf

• Can challenge the status quo

• Collaborate with peers as well as having the ability to influence the conversation with diverse points of view

• Innovative with forward-thinking ideas

Responsibilities

As a Treasury Sales Officer you will be responsible for the delivery of integrated treasury solutions to existing and prospective German HQ Large Corporate Clients. These include international Cash & Liquidity Management, Transactional FX, Merchant Services, Commercial Card and Trade Finance.

Key responsibilities include actively managing and pursuing treasury revenue streams along with increasing product penetration across an assigned portfolio by partnering with stakeholders to consult on sales opportunities. This requires both product knowledge and relationship management experience to deliver the best possible solution.

Role activities and responsibilities may include:

• Primary relationship and GPS sales responsibility for a portfolio of existing and prospect of Large Corporate Clients across Germany

• Build new, or develop existing client relationships to advance business opportunities across the client organisation to deliver new business pipeline and revenue

• Client calling and leads any GPS revenue enhancing or relationship client facing engagement / presentation including responses to proposals and pitches

• Consults with clients to drive growth of new client relationships or deepening existing relationship through thoughtful identification of client needs matching Bank resources/capabilities against client requirements

• Delivery of revenue and new business pipeline in accordance with defined and agreed goals and objectives

• Lead pricing and negotiation discussions with the client for treasury management products to optimize relationships

• Client and portfolio planning to drive responsible revenue, balance sheet growth and profitability improvement

• Partner with bankers, sales partners and product teams across the enterprise to develop customized treasury solutions by identifying new opportunities

• Act as liaison with Investment Banking, Credit and Risk; Compliance; Product Management; Client Delivery & Service; Implementation; and Operations

• Understand client objectives for transaction banking and other cash and treasury related services, effectively match Bank resources and capabilities against client requirements to develop business opportunities deliver incremental revenue

• Provide client and market feedback to management and business partners, including for product development and enhancement

• Ensure complete alignment in client selection and growth strategy with our Corporate Banking colleagues

• Ensure full observance of and adherence to applicable compliance and other regulatory requirements and guidelines

• Attend industry and client events to represent the bank/business

• Fosters digital adoption by driving mobile, digital, and real time payments adoption and manages strategic dialogues around key client centric issues, while leveraging best practices, peer benchmarking, industry data analytics, and solutioning positioning

• Maintains an in-depth client focus, treasury industry expertise, client subsector expertise, and a broad understanding of Bank structure

• Produce or provide input for both external and internal marketing to enhance the visibility of Corporate clients and the Bank of America franchise

• Participate in industry events, represent Bank of America externally

• Portfolio strategy and planning; support Global & Regional strategy and planning for the future

• Oversee sales pipeline and revenue analysis processes

• Provide input and briefing information for senior management client calls and other interactions in-region

• Responsible for making decisions on many day-to-day aspects of client relationships

• Manage and support the development of team resources, including Treasury Sales Associates and Treasury Sales Analysts

What we are looking for

• Required familiarity of German financial landscape, GPS knowledge and European international treasury management experience and product knowledge

• Strong communication skills, both written and verbal in English and German required

• Successful history of direct treasury management experience, treasury management sales (including but not limited to, cash management, liquidity strategies, commercial cards, foreign exchange, working capital and trade)

• Account management experience, demonstrated ability to foster partnerships within the core team and build rapport with client contacts

• Effectively manages competing priorities while consistently maintaining client satisfaction

• Effectively manages risk while balancing the needs of the client, the team and the Bank

• Strong international treasury management and working capital experience and product knowledge

• Ability to work in a high pressure, deadline orientated environment

• Knowledge of the regulatory environment and the impact on Banking Services within the Global Transaction services space

• Highly numerate with good business acumen with the ability to identify financial issues in product suite

• Holds self and others accountable for results

• Business/stakeholder development, the ability to build broad based relationships both internally and externally with influencing skills

• Well-developed presentational skills to both internal and external clients

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Title:Treasury Sales Associate

Associate

Global Payments Solutions Group

Do you want to be part of our award-winning team? We are proud to:

• Be a leading provider of treasury and cash management solutions

• Deliver for over 100,000+ clients globally, including over 73% of the Global Fortune 500

• Be at the forefront of delivering treasury solutions across all segments and all industries, from middle-market businesses to the world’s largest corporate and financial institutions

• Provide a personalised service for our clients, backed with high-tech for their liquidity management, payments and receipts, trade and supply chain finance and FX and commercial card services

We want to hear from you if you are:

• A highly-motivated individual

• Has a client-centric focus who can advocate on their behalf

• Can challenge the status quo

• Collaborate with peers as well as having the ability to influence the conversation with diverse points of view

• Innovative with forward-thinking ideas

Responsibilities

As a Treasury Sales Associate (TSA) you will be responsible forpartnering with and supporting Treasury Sales Officers (TSO)with the delivery of integrated treasury solutions to existing and prospective Large Corporate German based HQ Clients, working with the TSO to assist in managing and growing revenue within an assigned portfolioof Global Payment Solutions Services (GPS).These solutions include international Cash & Liquidity Management, Transactional FX, Merchant Services, Commercial Card and Trade Finance services.

You will assist in coordinating the Client Management process by focusing on client acquisition and deepening existing relationships through identifying client needs. Responsible for utilising support partners and resources to coordinate industry, prospect, and client research for use in pre-call planning for TSOs and partners.

To be successful in the role, TSAs must maintain and build a strong client focus and awareness and understanding of the bank and the operational aspects of the products and services used by clients in addition to possessing good interpersonal, communication and presentation skills.

Role activities and responsibilities may include:

• Supporting all activities from sales through implementation and coordinating the Client Management Process (CMP) by focusing on client acquisition and deepening existing relationships from client planning, client calling efforts, client team meeting preparation, delivery, and follow-up, and revenue and pathway tracking

• Partnering with product specialists and support partners to develop strategies to grow revenue and deepen existing relationships and making recommendations and creating customized treasury solutions that meet the needs of the client.

• Conduct industry, client, and prospect research to develop strategies and create proposals and pitchbooks for pre-call planning

• Review pipeline and create reports for the TSO as needed

• Maintain and log information around execution of the client contact strategy

• Participate in the contract management process when required

• Contribute to credit facility activities

• Serve as a primary participant in annual pricing events

• Research client informationin preparation for receiving a Request for proposal (RFP)

• Prepare materials to introduce new ideas, capabilities and solutions to clients and prospects

• Proactively inform and advise clients ofenhancements/improvementsin capabilities

• Complete price and cost benefit analysis models to develop pricing strategies, which includes working with the TSO on non-standard pricing

• Support clients through the implementation, client onboarding, and training activities

• Ensures the accuracy of sales data (e.g., deal pipeline, client plans, call reports, and other sales tracking systems and reports which may be developed)including managing sales pathways, call reporting, and profitability reporting

• Participates in in-person calling activities and ad-hoc direct sales opportunities with TSOs

• Leverage tools, systems and resource sites to produce appropriate data based on call type; analyse the data and share with the TSO

• Ensure data integrity of sales reporting

• Bachelor’s degree or equivalent work experiencewithin a similar role and environmentwith demonstrated results

• Experience in a similar transaction banking/Corporate Banking position, Implementation, Client Service and or Product background

• Demonstrated business acumen, with effective interpersonal and communications skills, able to communicate both written and verbally with ability to be concise and with attention to accuracy and detail

• Strong presentation skills

• Focuses on customers and clients whilst promoting a culture of compliance

• Fluency in English required, German language skills would be beneficial

• Ability to deal with clients and other colleagues/stakeholders

• Ability to learn and adapt

• Strong teamwork, collaborative and organisational skills, able to prioritise and work under pressure to meet deadlines

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Title: Credit Risk Officer

Corporate Title: VP

Role Description:

Global Banking & Markets includes corporate banking, investment banking and sales & trading. The group provides services to large corporations, government entities and institutional investors. These services include mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities:

• Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.
• Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level to assess risk and craft value added solutions that balance risk.
• Assess the credit worthiness, including due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
• Structure transactions and negotiate credit documentation including; credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Participate in strategic projects to support business goals.
• Providing leadership and management within the team, comprising Associates and Analysts.

What we are looking for:

• Credit skills and risk judgement/Knowledge of EMEA market and specific industry sectors, structuring and documentation.
• Corporate Finance perspective and drives deal selection, screening and transaction management process.
• Accomplished negotiator with good foundation in relative value assessment and risk mitigation techniques.
• Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
• Sound product/technical and process knowledge across lending and derivative (FX, rates, commodities and equities) products.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
• Commercial mindset to support value added discussions with the clients and Relationship Managers.
• Extensive credit risk experience at a major international financial institution, analysing, assessing companies in different sectors and structuring transactions.

Skills that will help:

• Fluency in use of all Microsoft Office applications, particularly Excel.
• Effective interpersonal and communication skills with ability to resolve issues in a professional and timely manner working in a team.
• Strong organizational skills with ability to prioritize and work under pressure to ensure to meet deadlines.
• Fluency in English. Additionally, German language skills would be beneficial.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Title:Credit Risk Officer

Job Description

GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes corporate banking and investment banking and GM includes sales & trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities

• Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
• Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk
• Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Participate in strategic projects to support business goals.
• Providing provide appropriate coaching and development to junior teammates.

What we are looking for

• Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
• Knowledge of analysing and assessing mid-market corporates, including understanding market practices on structuring and documentation for such mid-market corporates, across different industry sectors
• Effective credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio’s credit profile and ability to defend rigorously a fact-based point of view.
• BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
• Sound product/technical, documentation and process knowledge across lending, trade finance and derivative (FX, rates, commodities and equities) products.
• Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
• Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
• Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
• Strong organisational skills with ability to prioritise and work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
• Fluency in English required. Additionally, another European language skills, especially German will be considered highly beneficial.

UK

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
• Access to an Employee Assistance Program for confidential support and help for everyday matters
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions.
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Title:Credit Risk Analyst/Associate - Corporates Credit

Analyst or Associate

Role Description

GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes Corporate Banking and Investment Banking and GM includes Sales & Trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities

• Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
• Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
• Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Participate in strategic projects to support business goals.

What we are looking for

• BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
• Relevant prior experience in financial services, preferably roles within credit risk management, where you have demonstrated an ability to identify, assess, monitor, control and mitigate credit risk.
• Credit skills and risk judgment and ability to defend rigorously a fact-based point of view.
• Knowledge and keen interest to learn about issues related to industry risk, transaction risk and awareness of country risk factors, reputational risk and operational risk.
• Ability to quickly absorb and follow internal credit policies and procedures; demonstrated ability to continuously learn and adapt with a proactive work ethic.
• Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
• Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
• Keen interest in finance, macroeconomic and geopolitical issues.
• Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
• Strong team player & organisational skills with ability to prioritise and work under pressure to meet deadlines.
• Effective interpersonal and written and verbal communication skills both written and verbal with ability to be concise and with attention to accuracy and detail.
• Fluency in English required. Additionally, other European language skills, especially Germanwill be consideredhighly beneficial.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.