Treasury Management Sales Officer at Liberty Savings Bank FSB – Lakewood Ranch, Florida

Job Summary:

The Treasury Management Sales Officer (TMSO) is responsible for generating fee income, driving core deposit growth, and expanding business banking relationships through consultative sales of cash-management and payments solutions. This role also creates, leads, and manages the Business Banking Development Program, ensuring bankers are trained, equipped, and coached in TM, deposit strategy, and treasury-led relationship growth. The TMSO works cross-functionally with Business Bankers, Commercial Lenders, Branch Leadership, Deposit Operations, Electronic Banking, and Compliance to deliver high-quality, risk-aligned treasury services.

Essential Functions:

Treasury Management Sales & Business Development

• Achieve TM fee income, core deposit, and treasury product activation goals.
• Conduct detailed financial and cash-cycle analysis for businesses, focusing on liquidity, working capital, collections acceleration, payables optimization, fraud mitigation, and digital banking modernization.
• Present tailored solutions such as:
• ACH origination & filters/blocks
• Wire & international services
• Remote Deposit Capture (RDC)
• Lockbox services
• Controlled Disbursement
• Positive Pay & Payee Positive Pay
• Merchant Services & Commercial Card solutions
• Online & mobile treasury platforms
• Automated sweeps, earnings credit rate (ECR) structures, and liquidity management tools
• Partner with Sales and Relationship Managers/Commercial Bankers to identify opportunities that strengthen the full relationship (loans, deposits, treasury, card/merchant).
• Maintain disciplined pipeline management using the bank’s CRM.

Lead the Bank’s Business Banking Development Program

• Design and implement a structured training, onboarding, and certification program that enhances bankers’ knowledge of:
• Treasury and payments solutions
• Deposit strategy and cost-of-funds awareness
• Fraud controls and digital banking tools
• Industry-specific payment needs (healthcare, manufacturing, professional services, municipalities, nonprofits)
• Create standardized procedures/processes, including discovery templates, pricing guidance, referral processes, proposal tools, and handoff procedures to Treasury Implementations.
• Conduct training sessions, deal reviews, call coaching, and play-based learning (vertical targeting, product specialization, etc.).
• Establish program KPIs tied to banker proficiency, pipeline discipline, revenue contribution, and client activation.

Portfolio Growth, Activation & Retention

• Conduct proactive reviews to identify:
• Dormant services
• Cross-sell and upsell opportunities
• Pricing adjustments tied to earnings credit rates or cost analysis
• Relationship or fraud-risk concerns
• Manage annual and quarterly reviews with key clients to reinforce value and increase adoption.
• Maintain strong relationships with Treasury Implementations and Client Support to ensure timely onboarding and high client satisfaction.

Risk, Compliance & Regulatory Alignment (Banking-Focused)

• Ensure full compliance with:
• BSA/AML, OFAC, KYC, EDD, UCC Article 4A, ACH/NACHA rules, Reg CC, Reg E
• Conduct thorough treasury risk assessments, including:
• ACH/cash management exposure limits
• Dual-control requirements
• Wire authority reviews
• Account structure and entitlement settings
• Partner with Deposit Ops, eBanking, and Compliance to mitigate fraud risks, review suspicious activity, and establish proper controls for business clients.
• Ensure onboarding documentation, agreements, limit approvals, and user entitlements adhere to bank policy

Physical Requirements:

• Talking—Ability to express or exchange ideas by means of the spoken word.
• Hearing—Ability to receive detailed information through oral communication.
• Seeing—Ability to view a computer screen for an extended period and/or identify individuals visually.
• Standing—Ability to stand on feet for required periods of time.
• Walking—Ability to use feet and legs to move from one place to another specifically in narrow/confined spaces.
• Hand/Finger dexterity—Ability to work with hands/fingers for office related duties such as the use of a telephone, keyboard and mouse.
• Reaching—Ability to extend hand/arms in any direction to move/handle objects.
• Driving— Frequent travel required to include community events, outreach activities, other office locations and client sites.

Knowledge, Skills and Abilities:

• 5–8+ years in Treasury Management, Business Banking, Payments, or Commercial Banking sales.
• Bachelor’s Degree in Business, Finance, Accounting, or related field.
• Strong understanding of business cash cycles, liquidity structures, commercial deposits, and cost-of-funds impacts.
• Experience selling ACH, wires, RDC, account analysis, fraud tools, and merchant/corporate card products.
• Demonstrated success in a bank environment with measurable sales results.
• Experience building or delivering banker training or sales enablement programs.
• CTP (Certified Treasury Professional) preferred.
• Experience using CRM platforms (Dynamics, Salesforce, etc.).
• Familiarity with core banking systems and treasury delivery platforms.

PM19

Liberty Savings Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic.