Associate, Cards Security

bmo; Montreal (administrative region); Hybrid; CAD 36,000 - 51,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group is seeking a remote Customer Service/Banking Specialist in Canada. You will understand customer needs, provide credit and lending-related sales and service, and advise on borrowing strategies to meet objectives.

You will handle customer contacts, document requests, and refer complex cases to managers as needed. The role emphasizes staying current on personal banking products and regulatory compliance, supporting marketing programs, and maintaining confidentiality of customer

Qualifications

• High school diploma or equivalent work experience.
• Knowledge of personal lending and home financing products.
• Knowledge of competitive marketplace and trends in product offerings.
• Knowledge of contact centre operational processes and policies.
• Knowledge of call centre technology, processes and metrics.
• Verbal & written communication skills - Basic (in business environment).
• Organization skills - Basic (in business environment).
• Collaboration & team skills - Basic (in business environment).

Responsibilities

• Understand customer needs and provide credit and lending-related sales and service to BMO customers or prospects.
• Advise customers on borrowing strategies and products that meet their objectives.
• Fulfills sales and service activities for the customer in accordance with approved procedures.
• Identifies and makes referrals to other business groups.
• Work through various channels based on the market needs to deliver the desired customer experience and achieve overall business objectives.
• Manages all transactional outcomes of customer contacts or defers to appropriate internal business groups.

Skills

Verbal communication

Written communication

Organization

Collaboration

Bilingual (French/English)

Education

High school diploma or equivalent

Job description

Address:

VIRTUAL(R)61 - REMOTE/TELETRAVAIL - QC - BMO

Job Family Group:

Retail Banking Sales & Service

Monday to Friday, 8am-8pm

Understands customer needs and provides credit and lending-related sales and service to BMO customers or prospects. Advises customers on borrowing strategies and products that meet their objectives. Fulfills sales and service activities for the customer in accordance with approved procedures. Identifies and makes referrals to other business groups. Works through various channels based on the market needs to deliver the desired customer experience and achieve overall business objectives.

Probes to understand customer needs and provides advice related to personal banking and borrowing strategies in the best interests of the customer.

Manages all transactional outcomes of customer contacts or defers to appropriate internal business groups.

Escalates complex or unresolved customer situations to managers as required.

Performs any required documentation to ensure customer's requests are accurately processed.

Maintains current knowledge of personal banking and lending products, practices, and trends and integrates into customer conversations in a professional manner.

May research and investigate lending applications, following established processes.

Handles customer contacts in an informed, professional, and efficient manner.

Integrates marketing promotions and programs into customer conversations, where appropriate.

Maintains the confidentiality of customer and Bank information.

Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.

Adheres to regulatory and compliance requirements, including Anti-Money Laundering and Terrorist Financing reporting requirements, Financial Consumer Agency of Canada (FCAC) consumer provision requirements and Privacy Act provisions.

Makes credit decisions / recommendations in accordance with sound credit-granting principles and in compliance with Bank Policy & Procedures.

Uses authorized credit qualifications as needed to fulfill customer requests.

Completes standardized tasks under supervision.

Performs initial problem solving within given rules/limits & escalates when required.

Broader work or accountabilities may be assigned as needed.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

• High school diploma or equivalent work experience.
• Knowledge of personal lending and home financing products.
• Knowledge of competitive marketplace and trends in product offerings.
• Knowledge of contact centre operational processes and policies.
• Knowledge of call centre technology, processes and metrics.
• Basic knowledge learned on the job.
• Verbal & written communication skills - Basic (in business environment).
• Organization skills - Basic (in business environment).
• Collaboration & team skills - Basic (in business environment).

You’re fluent in French and English as this role provides support to clients and team members inside and/or outside the province of Quebec.

Salary:

$35,500.00 - $50,500.00

Pay Type:

Salaried

The above represents BMO Financial Group's pay range and type.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards.

• health insurance
• tuition reimbursement
• accident and life insurance
• retirement savings plans

To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in