Cash Management Business Management & Execution Specialist - Associate

Account Opening and Account Management

• Coordinate the opening, amendment, and closure of corporate, business, and personal accounts.
• Prepare and review account-opening documentation, mandates, Powers of Attorney, and authorised signatory information.
• Follow up on missing, expired, or exceptional documentation with clients and Relationship Managers.
• Coordinate internal approvals with Compliance, Legal, Operations, and other control functions.
• Maintain account details, interest rates, pricing schedules, fees, and operational instructions in relevant banking systems.
• Process interest-rate changes and interest adjustments in accordance with approved instructions.
• Support periodic KYC reviews and the ongoing maintenance of client records.

Cash Management and Electronic Banking Support

• Support the implementation and maintenance of Cash Management services and electronic banking channels.
• Coordinate client setup and servicing for online net banking related to cash management, SWIFT, host-to-host connectivity, and other relevant platforms.
• Assist clients with payment formats, file uploads, access permissions, tokens, statements, and technical queries.
• Provide training and guidance to clients, bankers, and internal users on electronic banking services.
• Monitor platform availability, payment-file processing, and technical incidents.
• Escalate system or connectivity issues and coordinate follow-up through to resolution.
• Support testing, platform upgrades, service migrations, and the implementation of new Cash Management functionality.

Legacy Retail Portfolio Servicing

• Manage day-to-day enquiries from the remaining legacy retail banking portfolio.
• Produce loan statements and respond to requests relating to balances, repayments, overpayments, and account closures.
• Monitor arrears, missed payments, and vulnerable-client situations, escalating cases where required.
• Perform daily checks of write-off accounts and monitor repayments received.
• Prepare periodic write-off and portfolio reports.
• Coordinate client communications following changes to interest rates.
• Support mortgage cancellation processes and Land Registry-related activities in the UK and Spain.
• Assist with dormant-account reviews, customer tracing, and periodic retail KYC reviews.
• Coordinate complaint cases with Compliance where necessary.

Controls, Reporting, and Process Improvement

• Apply appropriate operational risk and quality-control procedures across account and Cash Management activities.
• Produce and maintain management information covering client activity, account balances, income, incidents, outstanding documentation, and implementation progress.
• Monitor service performance, upcoming actions, and unresolved operational items.
• Identify gaps and inefficiencies in existing products, platforms, and processes, recommending practical improvements.
• Support testing, quality assurance, and implementation of new Cash Management products, system enhancements, and regulatory changes.
• Maintain accurate procedures, implementation guides, and operational documentation.

Candidate Profile

Essential Experience and Skills

• Relevant experience in Cash Management, transaction banking, banking operations, client servicing, or account administration.
• Practical understanding of payments, clearing, account reconciliation, and corporate account servicing.
• Experience managing account-opening, amendment, and closure processes.
• Good understanding of electronic banking platforms and payment channels.
• Strong client-service skills and the ability to manage operational issues professionally.
• Strong attention to detail, particularly when handling payments, reconciliations, and client documentation.
• Ability to coordinate effectively across Business, Operations, Compliance, Legal, Finance, and Technology.
• Strong organisational skills and the ability to prioritise multiple daily requests and controls.
• Good awareness of operational risk, KYC, AML, and regulatory requirements.
• Strong written and verbal communication skills.
• Fluency in English and Spanish is required.

Desirable Experience

• Experience with Online Net banking platforms, SWIFT-FIN, host-to-host connectivity.
• Experience using core banking, payment, account-opening, or reconciliation systems.
• Knowledge of BACS, Faster Payments, direct debits, direct credits, and cheque-clearing processes.
• Experience servicing corporate, financial institution, or multinational clients.
• Knowledge of retail loan servicing, arrears, write-offs, or mortgage administration.
• Experience in system testing, platform migrations, or operational process improvement.
• CISI UK Financial Regulations certification or qualification would be an advantage.

Key Competencies

• Client focus and service excellence.
• Ownership and accountability.
• Strong attention to detail.
• Adaptability and continuous improvement.

Skills:

• Client Orientation
• Empathy
• Ethics
• Innovation
• Proactive Thinking