Relationship Advisor II

First Citizens; Charlotte (NC); Hybrid; USD 75,000 - 95,000; Full time

Job summary

First Citizens Bank in Charlotte is seeking a Relationship Advisor in a hybrid role to manage a portfolio of commercial clients, lead onboarding, and serve as the primary contact for deposit and cash management solutions. You will coordinate with Relationship Managers and Product Advisors, assess client needs, perform KYC, and ensure timely onboarding and ongoing service.

Strong communication and relationship-building skills are essential.

Qualifications

• Bachelor’s Degree with 1 year of banking/financial services or customer service experience, or High School/GED with 5 years of experience.
• Experience onboarding and client servicing in commercial banking preferred.
• Strong communication and relationship-building skills.

Responsibilities

• Lead client onboarding, coordinating with Relationship Manager and Product Advisor to assess needs.
• Manage onboarding data gathering and KYC documentation.
• Serve as primary contact for deposit and cash management needs.
• Resolve inbound service inquiries and coordinate with support teams.
• Advise on risk mitigation and AML requirements.
• Identify opportunities to support client strategy and growth.

Skills

Cross functional collaboration

Communication

Critical thinking

Relationship building

Teamwork

Time management

Education

Bachelor’s Degree with banking/financial services experience

High School Diploma / GED with 5+ years experience

Job description

Overview

This is a hybrid role, with the expectation that time working will regularly take place inside and outside of our Charlotte office

First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets.

First Citizens Innovation Banking, formerly Silicon Valley Bank, serves some of the world's most innovative companies, investors, and entrepreneurs from start-up to scale and beyond. With more than 40 years of experience supporting the innovation economy, our teams work closely with clients across technology, life sciences, healthcare, venture capital, private equity, and other innovation-driven sectors, providing specialized banking solutions, industry insights, and meaningful connections that help businesses scale and thrive.

Responsibilities & Qualifications

The Relationship Advisor “RA” manages a portfolio of Commercial Banking Clients and is responsible for client onboarding, client servicing and proactive client solutioning. A key member of the client’s relationship team, the RA serves as the client’s dedicated point of contact for deposit and cash management banking needs.

New Client Onboarding

• Leads client's onboarding journey, collaborating with client's Relationship Manager and Product Advisor to understand client's strategy and short – and long-term financial needs.
• Conducts onboarding activities to include:
• Leads client discussions to identify deposit and cash management needs.
• Performs product demos independently.
• Sets expectations on data and documentation requirements to open new services, inclusive of product documentation and KYC requirements.
• Gathers and validates all relevant legal documentation to adhere to KYC based on client’s legal entity type.
• Coordinates hands offs to centralized support teams for fulfillment of client product needs, while keeping client apprised to implementation status.
• Post onboarding, proactively engages client to review services and ensure client understanding and utilization.
• May assist more junior RAs with client onboarding.

Client Servicing

• Acknowledges and orchestrates fast resolution of in-bound service inquiries.
• Transitions service tasks to appropriate support teams for management and resolution, while keeping client apprised to resolution.
• Researches and resolves complex client inquiries; ensure resolutions of solution solves client’s need and / or issue.
• Leverages client’s service need as an opportunity to identify broader solutions to support client needs.
• Takes initiative to resolve complex client inquiries before escalating to Manager.

Risk Advice

• Advises clients on risk mitigation strategies to combat money laundering and fraud.
• Manages internal Know Your Client “KYC” for new client onboardings, articulating BSA / AML requirements to client based on legal entity type; supports clients in triaging additional information needed to satisfy regulatory requirements.
• Leads client discussions focused on fraud mitigation strategies, inclusive of recommending account, digital banking, and fraud solution controls.
• Collaborates with Relationship Manager and operational partners to triage KYC, Sanction and High Risk Industry and Fraud alerts.

Client Success

• Collaborates with client’s Relationship Manager and Product Advisor teams to remain apprised to short – and long – term client strategy; advises relationship team on client’s service themes and trends.
• Proactively identifies opportunities to support client need based on client industry and life stage, conducting proactive client touchpoints to strengthen client relationships.
• Performs client account reviews and facilitates product discussions to support client short – and long – term financial needs.
• Positions solutions within knowledge set, from qualify to close, for select deposit and cash management services.

Position Specific Skills

Cross functional collaboration

Communication (written and verbal)

Critical thinking skills

Builds productive relationships

Bachelor’s Degree with 1 year of experience in banking/financial services industry or customer service experience OR High School/GED with 5 year of experience

Preferred:

• Retail branch banking experience
• Strong experience building client relationships
• Demonstrated organizational skills
• Able to prioritize tasks with effective time management in a fast-paced environment
• Strong written and verbal communication skills
• Able to work in a team environment and comfortable working independently

#LI-Hybrid

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.