Treasury & Client Services Associate

Beneficial State Bank; Oakland (CA); Hybrid; USD 60,000 - 90,000; Full time

Job summary

Beneficial State Bank, a socially responsible financial institution, seeks a Treasury & Client Services Associate (TCSA) to provide operational and client support across deposit and cash management products. You will onboard new clients, verify documentation, and ensure regulatory compliance while supporting relationship managers and Treasury Management Advisors.

The role emphasizes risk management, cross-functional collaboration, and adherence to internal policies to mitigate operational risk.

Qualifications

• 6 years of banking experience with commercial deposit account opening and servicing (4 years direct responsibility).
• 3 years applying BSA/AML, CIP, OFAC, and Beneficial Ownership requirements in account opening decisions.
• 3 years reviewing and approving business entity documentation in accordance with regulatory and bank standards.
• 2 years of experience correcting incomplete or non-compliant documentation prior to account opening.
• 3 years managing a high-volume pipeline of account opening and maintenance requests with defined turnaround expectations.
• 3 years of experience using a core banking system to open and maintain commercial deposit accounts.

Responsibilities

• Provide direct client service and relationship support to commercial clients via phone, email, and in-person interactions.
• Assist in cross-selling opportunities and refer to relationship managers or Treasury Management Advisors.
• Support onboarding, documentation review, and account setup while ensuring compliance with policies and regulations.
• Coordinate with Treasury Management Advisors and Client & Treasury teams to support onboarding and daily operations.
• Prepare account documentation, product agreements, and supporting forms for new and existing clients; ensure accuracy.
• Maintain tracking tools and logs to provide workflow visibility and timely processing.
• Ensure adherence to BSA/AML, Privacy, Fair Lending, and anti-discrimination requirements.

Skills

Attention to Detail

Collaboration & Communication

Diversity & Inclusion

Execution & Ownership

Time Management

Customer Service

Initiative

Relationship Management

Account Management

Product & Technical Knowledge

Compliance

Risk Management

Data Analysis & management

Tools

Microsoft Office

Job description

FLSA: Non-Exempt

SALARY GRADE: 7

JOB FAMILY: Cash Management

UNION REPRESENTATION: CWA 7901/9412

DEPARTMENT: Treasury Operations

SUPERVISORY ROLE Y/N: N

SCHEDULE: Monday-Friday

LOCATION: Hybrid

CATEGORY: Full-Time

REVISION DATE: 07/2026

ABOUT US

We practice Beneficial Banking™ by investing in social and environmental impact, prioritizing transparency, and expanding access to equitable financial products, all in pursuit of a banking system that is regenerative for the planet and equitable for all. We bring that same commitment to our people by cultivating a vibrant, inclusive, and purpose-driven culture where employees are empowered to grow, contribute, and thrive. Together, we strive to make a meaningful difference in the communities where we live and work, creating positive impact through partnership, service, and shared success.

POSITION OVERVIEW

The Treasury & Client Services Associate (TCSA) provides comprehensive operational and client support to Commercial Banking teams and commercial clients across business, personal, and commercial deposit products. This role serves as a primary point of contact for client servicing inquiries and service requests, delivering timely and professional support through phone, email, and in-person interactions.

The TCSA is responsible for onboarding new client relationships, including collecting and reviewing required documentation, completing account setup, and ensuring accuracy and completeness of all new account records. The role plays a critical part in safeguarding the Bank by applying risk assessment protocols, adhering to regulatory requirements, and ensuring compliance with internal policies and procedures to mitigate operational, reputational, and audit risk.

Acting as a subject matter resource, the TCSA maintains working knowledge of deposit products, cash management services, and related systems, including Online Banking, ACH, wire transfers, EFTPS payments, and Remote Deposit Capture. The role supports relationship banking efforts by delivering high-quality client service, assisting with client onboarding, and identifying potential opportunities to deepen existing relationships for referral to relationship managers or Treasury Management Advisors.

The TCSA collaborates closely with Treasury Management Advisors, Client & Treasury Managers, and other internal partners to support daily operations and enhance the client experience. This position includes oversight of assigned operational processes and requires strict adherence to compliance standards in all account-related activities and client communications.

This position is represented by a union. Employment in this role is subject to the terms and conditions of the applicable collective bargaining agreement, including union membership requirements and/or dues or fees, where applicable.

ESSENTIAL DUTIES

Client Service & Relationship Support

• Provide direct support to commercial clients through phone, email, and in-person interactions, delivering timely and professional service.
• Assist in fostering a strong client-centric culture by identifying potential cross-selling opportunities aligned to client needs and referring them to relationship managers or Treasury Management Advisors.
• Support relationship management efforts by participating in client interactions, including joint calls, relationship reviews, and client training sessions, as appropriate; product demonstrations and advisory discussions are led by Treasury Management Advisors or relationship managers.
• Promote and maintain positive working relationships with internal partners and external clients to support overall service excellence.

Treasury Management & Sales Support

• Support Treasury Management Advisors and Client & Treasury leadership with pre-call research and proposal preparation, including pricing and post-sales documentation.
• Assist in gathering and organizing prospective client information to support product recommendations and proposal development prepared by Treasury Management Advisors and relationship managers.
• Contribute to client onboarding and relationship deepening efforts by supporting product education and service adoption.
• Reinforce treasury management, service information and client training provided by Treasury Management Advisors, including associated risks, requirements, and best practices.

Account Onboarding, Documentation & Servicing

• Prepare account documentation, product agreements, and supporting legal forms for new and existing client relationships.
• Collect, review, and validate required documentation to ensure completeness and accuracy of account setup and maintenance requests.
• Perform account servicing activities, including account openings, maintenance, transfers, and check orders, in accordance with established procedures.
• Communicate documentation deficiencies to submitting officers or partners, track outstanding items, and ensure timely resolution.
• Executes onboarding, account servicing, and maintenance activities; does not own client relationships or provide treasury product recommendations.

Operational Coordination & Process Management

• Review incoming requests to ensure completeness, accuracy, and adherence to Bank requirements prior to processing.
• Maintain and update tracking tools and logs to provide visibility into request status and support workflow transparency across teams.
• Partner with Commercial Banking and Treasury teams to support efficient onboarding, account maintenance, and daily operational processes.
• Escalate issues or process gaps to management, including concerns related to account setup, documentation, or service delivery.

Risk Management & Compliance

• Ensure all activities comply with applicable federal and state regulations and internal policies, including but not limited to BSA/AML, Fair Lending, Privacy, and Anti-Discrimination requirements.
• Apply established policies and procedures to perform transactions accurately and mitigate operational and financial risk.
• Review client files and transactions for completeness and compliance, identifying and addressing potential deficiencies prior to finalization.
• Complete all required compliance training within designated timeframes.

Administrative & Technical Support

• Perform administrative and clerical tasks, including document management, filing, correspondence, report preparation, and data entry.
• Utilize Microsoft Office and internal systems to maintain accurate records and support reporting needs.
• Contribute to departmental and Bank-wide goals by supporting operational efficiency and service quality initiatives.

The position performs duties specific to the position and other functions as assigned.

ROLE COMPETENCIES/SKILLS

• Attention to Detail
• Collaboration & Communication
• Diversity & Inclusion
• Execution & Ownership
• Time Management
• Customer Service
• Initiative

• Relationship Management
• Account Management
• Product & Technical Knowledge
• Compliance
• Risk Management
• Data Analysis & management

WORK ENVIRONMENT & PHYSICAL and COGNITIVE REQUIREMENTS

The work environment characteristics and the physical and cognitive requirements described here are representative of those an employee encounters while performing the essential functions of this position.

• This position is based in a non-confined office setting where the employee is free to move about as needed. The work environment may include typical environmental factors such as noise, odors, drafts, and other ordinary office conditions. For hybrid and remote positions, work may also be performed away from BSB worksites, depending on business needs. Employees working remotely are required to maintain a dependable, high-speed internet connection and a work environment conducive to frequent phone and video calls, where private, confidential, or proprietary information cannot be seen, overheard, or otherwise accessed by unauthorized individuals. This position requires writing, typing, speaking, listening, lifting up to 10 pounds, driving (personal, company, or rental vehicle on occasion), carrying, sitting, pulling, walking, standing, squatting, kneeling, reaching, and using close, color, and peripheral vision, depth perception, and the ability to adjust focusThis position may require the ability to operate any or all of the following: personal computer, cellular telephone, printer, fax, and other standard office equipment.
• This position requires the ability to read and interpret documents, perform detailed work, solve problems, interact with customers, apply reasoning and mathematical skills, communicate effectively both verbally and in writing, deliver presentations, analyze information, manage multiple concurrent tasks, adapt to changing priorities, and work effectively in a fast-paced environment with frequent interruptions. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

POSITION REQUIREMENTS

Minimum Qualifications

• 6 years of banking experience, including:
  • At least 4 yearsdirectly responsiblefor commercial deposit account opening and servicing
  • At least 2 years independently executing end-to-end commercial account setups (documentation review, system entry, funding, and maintenance)
• 3 years of hands-on experience applying BSA/AML, CIP, OFAC, and Beneficial Ownership requirements in account opening decisions
• 3 years of direct experience reviewing and approving business entity documentation (LLCs, corporations, partnerships, nonprofits)in accordance withregulatory and bank standards
• 2 years of experience requiring correction of incomplete or non-compliant documentation prior to account opening
• 3 years of experience working from a queue or workflow system where work is completed without daily manager direction
• 2 years of documented responsibility for final accuracy review prior to submission or account approval
• 3 years of experience assessing and acting on risk indicators in new or existing account relationships
• 2 years of documented accountability for accuracy and compliance of completed account setups
• 3 years managing a high-volume pipeline of account opening and maintenance requests with defined turnaround expectations
• 2 years meeting established SLAs for processing timelines
• 3 years of experience using a core banking system to open and maintain commercial deposit accounts

Preferred Qualifications

• Accredited ACH Professional (AAP), Certified Treasury Professional (CTP), or equivalent
• Additionalcertifications in deposit operations, compliance, or treasury management
• 2 years of experience enforcing documentation standards, including returning incomplete or non-compliant requests
• Experience supporting process improvements, regulatory updates, or system implementations
• 1 year serving as a resource or trainer for account opening procedures, documentation standards, or compliance requirements

Management reserves the right to change this position description at any time according to business needs.