Senior Commercial Card Consultant - Payment Services (Merchant & Institutional)

U.S. Bank; Naperville (IL); Hybrid; USD 132,000 - 156,000; Full time

Job summary

A leading financial services institution in Naperville, Illinois is seeking a Senior Commercial Card Consultant responsible for optimizing client commercial card programs. The role demands over ten years of experience, strong analytical and relationship-building skills, and the ability to analyze transactional data for strategic recommendations. This position offers a hybrid work model with an in-office commitment of three or more days a week. Competitive salary range of $132,260 - $155,600 and comprehensive benefits are provided.

Benefits

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement plan

Paid vacation

Sick and Safe Leave

Short-term and long-term disability

Qualifications

• Ten or more years of applicable experience required.
• Ability to travel up to 30%.

Responsibilities

• Conduct evaluations of client card offerings to identify strengths and gaps.
• Provide consultative support to clients using data-driven insights.
• Analyze and interpret transactional data to inform recommendations.
• Build relationships with internal stakeholders to align on objectives.
• Stay current on industry developments and regulatory changes.

Skills

Analytical skills

Relationship-building

Problem-solving

Communication

Education

Bachelor’s degree in Business, Finance or Accounting

Job description

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever‑growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

SUMMARY

The Senior Commercial Card Consultant plays a critical role in evaluating client/prospect commercial card programs, identifying opportunities for improvement, and delivering actionable insights. This position requires strong analytical skills, relationship‑building capabilities, and a deep understanding of transactional data to support strategic recommendations.

RESPONSIBILITIES

• Assessment of Client Commercial Card Programs: Conduct comprehensive evaluations of client card offerings to identify strengths, gaps, and areas for optimization. Provide tailored recommendations to enhance program performance and client satisfaction.
• Provide Strategic Guidance: Deliver consultative support to clients, leveraging data‑driven insights and industry best practices to improve program effectiveness, efficiency and profitability.
• Analyze Transactional Data: Review and interpret transactional data to uncover spend trends, usage patterns, and actionable insights that inform strategic decisions and client recommendations.
• Develop Internal Relationships: Build and maintain strong partnerships with internal stakeholders, including Bankers, Sales teams, Relationship Managers, and Partners—to promote awareness of available resources and ensure alignment on client objectives.
• Stay Current on Industry Trends: Monitor developments in payment solutions, card programs, and regulatory changes to ensure recommendations remain relevant and competitive.

BASIC QUALIFICATIONS

• Ten or more years of applicable experience.
• Bachelor’s degree in Business, Finance or Accounting (or equivalent experience).
• Ability to travel up to 30%.

PREFERRED SKILLS/EXPERIENCE

• 7 or more years of experience in commercial card programs, payment solutions, virtual payments, treasury and accounts payable operations.
• Strong analytical and problem‑solving skills with proficiency in data manipulation and interpretation.
• Excellent communication (written and verbal) as well as relationship‑building abilities.

This position offers a hybrid/flexible schedule which means there's an in‑office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short‑term and long‑term disability
• Pregnancy disability and parental leave
• 401(k) and employer‑funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program in all facilities located in the United States and certain U.S. territories. The E‑Verify program is an Internet‑based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E‑Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $132,260.00 - $155,600.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.