Commercial Operations Lead: Account Openings & Risk

Third Coast Bank; Northern (KY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Third Coast Bank in the United States is seeking a Commercial Operations Manager to lead the Commercial Account Review function, supporting commercial account opening, customer servicing, risk management, and operational consistency as business needs evolve.

You will develop the department, strengthen processes, support team performance, and provide leadership with visibility into workload, service levels, risks, and improvement opportunities.

Qualifications

• Experience in banking operations, deposit operations, commercial account opening, account documentation, treasury management support, or a related operational function.
• Knowledge of CIP, beneficial ownership, business entity documentation, account opening requirements, audit expectations, and operational controls.
• Prior leadership, supervisory, team lead, or process ownership experience preferred.
• Strong communication, problem-solving, organizational, analytical, reporting, and cross-functional partnership skills.
• Ability to evaluate processes, identify risks and inefficiencies, recommend practical improvements, and support change management across impacted teams.

Responsibilities

• Manage daily CAR operations, team priorities, workload distribution, service levels, and quality expectations.
• Lead, coach, and develop team members through accountability, cross-training, skill development, and performance consistency.
• Evaluate department structure, staffing needs, responsibilities, tools, and workflows to ensure the function remains scalable and aligned with business needs.
• Set team priorities, escalate capacity or risk concerns, and recommend workflow, staffing, procedure, or ownership changes to leadership.
• Own and enhance commercial account opening processes, including documentation standards, CIP exception routines, escalation paths, and resolution timelines.
• Identify customer servicing needs, process gaps, inefficiencies, control concerns, and training opportunities; develop practical solutions that reduce back-and-forth and improve the customer experience.
• Maintain clear, current, and practical procedures, job aids, and process documentation for CAR and assigned operational processes.
• Partner with Retail Banking, Treasury Management, Lending, Deposit Operations, Compliance, and other impacted teams to define responsibilities, handoffs, ownership, and service expectations.
• Support training, communication, and rollout of new or updated processes to ensure understanding, adoption, audit readiness, regulatory alignment, and consistent execution.
• Lead and support projects impacting CAR, commercial account opening, deposit operations, customer servicing workflows, systems, and operational controls.
• Coordinate with system, workflow, and vendor partners to evaluate and implement tools, reporting, tracking, and process enhancements.
• Develop, maintain, and report department metrics to leadership, including workload volume, turnaround times, exceptions, service levels, recurring issues, trends, and capacity needs.
• Use department reporting and operational data to provide leadership with visibility into team performance, process effectiveness, risk indicators, and improvement opportunities.
• Performs all other duties as assigned.

Skills

Leadership

Analytical thinking

Risk assessment

Relationship building

Attention to detail

Team development

Job description

Third Coast Bank in the United States is seeking a Commercial Operations Manager to lead the Commercial Account Review function, supporting commercial account opening, customer servicing, risk management, and operational consistency as business needs evolve.

You will develop the department, strengthen processes, support team performance, and provide leadership with visibility into workload, service levels, risks, and improvement opportunities.