MUFG
Associate – Client Service Account Manager, Transaction Banking Sales UK
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Let Your Voice Be Heard—Join Mitsubishi UFJ Financial Group (MUFG)
Come discover an opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. With 150,000 colleagues worldwide, we dedicate ourselves to making a difference for every client, organization, and community. Our culture is built on integrity, innovation, and commitment to long-term relationships that drive shared and sustainable growth.
As we pursue our vision of becoming the world’s most trusted financial group, we prioritize people, diversification, collaboration, and transformative change. At MUFG, we invest in your success—empowering you with the tools, networks, and cross-functional partnerships to own your career, unlock new opportunities, and deliver meaningful impact.
Overview of the Department/Section
Transaction Banking at MUFG is driving global expansion with a thriving presence across all continents. The EMEA (Europe, Middle East, and Africa) region is part of our Global Transaction Banking Division, offering clients Cash and Liquidity Management (CLM), Foreign Exchange, Trade, and Working Capital solutions through fintech innovation, proprietary channels, and third-party platforms.
Within Transaction Banking EMEA, we specialize in:
- Trade, Working Capital, Cash & Liquidity Management
- Product, Sales, Implementation, Client Services, Risk & Compliance
- Delivering end-to-end digital and banking solutions to Corporate, FI (Financial Institutions), and Non-Banking Financial Institutions (NBFI) clients.
Main Purpose of the Role
As a Client Service Account Manager (CSAM) for Cash & Liquidity Management Sales, your role will be to deliver premium client service, strengthen relationships, and ensure a seamless experience for our global corporate and FIG (Financial Institution Group) clients—primarily based in the UK, with regional opportunities across our network.
Key Accountabilities:
- Accountable for managing a portfolio of high-value clients, including origination and maintenance of existing cash & liquidity management businesses.
- Act as the SME (Subject Matter Expert) in cash and liquidity management products, UK/European regulatory compliance, and market trends.
- Serve as a go-to contact for coverage bankers and clients, advocating for optimal solutions while proactively managing risk and regulatory compliance.
- Support senior transaction bankers in servicing complex cash and liquidity solutions.
- Influence and cross-sell the full suite of cash & liquidity products to optimize client engagement, not limiting sales to single-product deals.
- Engage globally on our pipelines to support regional and MUFG-wide RFIs/RFPs, ensuring alignment of responses across EMEA and other regional functions.
Key Responsibilities
1. Account Growth & Revenue Diversification
- Lead the growth of existing corporate & FIG client revenue in cash & liquidity to meet individual, regional, and global sales targets.
- Identify wallet-share expansion opportunities and clients’ unmet needs to enhance cross-selling of products (e.g., cash, FX, trade, working capital).
- Implement mature account management strategies through structured wallet planning.
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2. Client Service & Relationship Development
- Collaborate with MUFG coverage teams to acquire new cash & liquidity clients and manage growth potential across development workstreams.
- Advise clients on strategic optimization (e.g., balance sheet, cost savings, currency hedging).
- Participate in regional and global RFIs/RFPs, integrating insights from GTB functions and regional counselels.
3. Strategic & Network Integration
- Align with coverage bankers and product partners globally to ensure unified regional and client coverage strategies.
- Develop strategic client stories and new business opportunities that leverage MUFG’s full spectrum of services.
- Lead competitive positioning and peer benchmarking on the client portfolio.
4. Risk Management & Compliance Safeguards
- First line of defense in addressing compliance, legal, and risk challenges related to cash & liquidity decisions.
- Proactively identify risks and contribute to improving MUFG’s framework for compliance, operational, and customer-focused risk management.
- Support regulatory reporting and internal controls in line with Basel IV, PS2/3, MIFID II, ISO 20022, and evolving EU/UK licensing standards.
5. Internal Training & Community Engagement
- Coordinate training programs and knowledge-sharing on cash & liquidity best practices within MUFG.
- Often spoke at internal pipelines, client councils, industry events, and EMEA conferences to cement thought leadership.
Work Experience
Essential Qualifications:
- Minimum 7–10 years’ experience at an associate level in cash & liquidity management sales at Tier 1 banks or leading wealth institutions.
- Proven ability to succeed in varying market conditions and adapt to new operating environments.
- Global sales experience with MNCs, corporates, and financial institutions, reigning in sales potential at scale.
- Record of revenue enhancement through:
- New-to-bank business acceleration, inbound opportunities fulfillment.
- Utilization improvements (e.g., new product adoption, workflow digitization).
- Balance sheet optimization and managed cross-sell revenue diversification (avoiding single-product selling).
- Geographic fluency across UK/EMEA, Europe, Asia, and North America, including benchmarking industry-leading competitors.
Preferred Skills & Experience:
- Familiarity with emerging technology (fintech, AI/ML value capture in treasury and accounts payable/receivable), and a propensity to influence product development.
- Prior experience in alternative working capital instruments (e.g., receivables factoring integrated with cash pools or FX) to expand technical capabilities.
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Skills & Experience
Functional/Technical Competencies
Required:
- Holistic expertise across cash pooling, multi-currency accounts, SWIFT MT services, liquidity utility optimization, FX platforms, and emerging solutions (e.g., blockchain, cloud, fintech fintech).
- Third-party tech fluency (e.g., Open Banking, ISO 20022-enabled tech hubs or real-time treasury platforms).
- Keen grasp of Basel IV and regulatory environments (e.g., LCR, NSFR changes, reporting individuals to the FCA/EBA).
- Advanced negotiation, persuasion, and relationship building skills—capacity to influence at all levels (executives, SAS departments, CFO controllers).
- Bespoke, high-touch change management for multi-country blueprints (e.g., migration to IFRS 16-style contracts, ESG-aligned Treasury ambitions).
- Data analytics acumen – turning complex client wallets, market/regulatory shifts into actionable approaches to pull A/B/displacement strategies.
- Active participation in credit committee presentations, customer-board level reporting for transaction risks.
Education/Qualifications
Mandatory:
- BA/BSc degree equivalent in Finance, Business, Economics, or related fields (or exceptional industry experience).
Desirable:
- Chartered banker, certificate, or practitioner designation (e.g., ACT) in transaction banking or trade.
Personal Requirements
- Constructive diplomacy – balancing urgency while ensuring precision in managing complex client engagements.
- Proactive, achievement-driven mentor-mentoring appetite – capable of pragmatic decision-making under tight deadlines.
- Structured relationship building – demonstrating empathetic networking across product definitions, internal speak, and negotiation styles.
- Client advocacy and conflict resolution expertise when prioritizing policies, new tech, and contract changes risks hurting ML/CAGR.
- Enterprise system navigation – proficiency in Microsoft Office (PowerPoint, e.g., dashboard analytics), SAAS platforms, and governance backstops (e.g., Workday integration, Citi/MSSL bridged workflows).
- Adherence to flexible working model, where hybrid and collaborative tools are part of the transformed workforce.
Culture & Inclusion
MUFG is committed to diversity, equality, and inclusion—rooted in collaboration, purpose, and empathy. We assembled teams across 17 regions, with 56% female and 29% professionals from diverse backgrounds. MUFG’s hiring framework is non-discriminatory, aligned with global and regional Equality and Human Rights codes.
Expect more than just a job at MUFG— expect an opportunity to strategize, lead with integrity, and drive meaningful results in one of the world’s most dynamic financial networks.
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