Senior Business Architect – Commercial Banking / Treasury Services

Role: Senior Business Architect – Commercial Banking / Treasury Services

Location: Toronto, Canada or New York City, NY
Experience: 15+ Years Banking | 10+ Years Consulting / Business Architecture / Transformation

Job Summary

We are seeking a highly experienced Senior Business Architect with deep expertise in Commercial Banking, Transaction Banking, Treasury Services, Cash Management, Deposit & Liquidity Management.

The ideal candidate will act as a trusted strategic advisor to senior business and technology leadership, helping define product strategies, target operating models, business capabilities, and transformation roadmaps across commercial deposits, liquidity, treasury, payments, and cash management.

The candidate should bring extensive industry knowledge, strong executive presence, and the ability to translate complex business challenges into actionable business architecture and transformation strategies.

Key Responsibilities

Business Architecture & Strategy

• Define target-state business capabilities across Deposit and Liquidity Management.
• Develop business architecture and capability maps aligned with strategic objectives.
• Design future-state operating models for Treasury and Cash Management organizations.
• Conduct current-state assessments and identify capability gaps.
• Define transformation priorities, roadmaps, KPIs, and value realization metrics.
• Align business strategy with technology and enterprise architecture.

Deposit & Liquidity Management

• Provide deep expertise across commercial and corporate deposits.
• Define and optimize liquidity management strategies and solutions.
• Support cash concentration, notional pooling, physical pooling, ZBA, TBA, account sweeps, and interest optimization structures.
• Advise on deposit pricing, profitability, and working capital optimization.
• Evaluate commercial banking operating models and recommend improvements.

Treasury & Cash Management

• Advise on Treasury Management Services (TMS) and commercial treasury products.
• Provide expertise across:
• Receivables and Payables
• Virtual Accounts
• Commercial Cards
• Integrated Treasury Platforms
• Liquidity Forecasting
• Cash Positioning
• Client Cash-Flow Solutions
• Identify opportunities to modernize treasury and cash management capabilities.

Transaction Banking & Product Strategy

• Develop product strategy and product lifecycle management frameworks.
• Evaluate and rationalize existing transaction banking product portfolios.
• Conduct market benchmarking and competitive analysis.
• Identify opportunities for product innovation, growth, and modernization.
• Develop business cases supporting transformation investments.
• Drive revenue growth and profitability optimization.

Digital Transformation

• Lead Treasury and Commercial Banking digital transformation initiatives.
• Define strategies for treasury portals and digital channels.
• Transform client onboarding and servicing processes.
• Enable workflow automation and straight-through processing (STP).
• Support API Banking, Open Banking, and ecosystem integration initiatives.
• Leverage data and analytics to improve treasury insights and decision-making.

Payments & Collections

Strong understanding of:

• ACH
• Wire Payments
• Real-Time Payments (RTP)
• FedNow
• SWIFT
• ISO 20022
• Lockbox Services
• Receivables & Collections

Strategic Advisory & Executive Engagement

• Act as a trusted advisor to senior executives and business leadership.
• Facilitate executive workshops and stakeholder interviews.
• Present strategic recommendations and transformation opportunities.
• Provide industry best practices, competitive insights, and market perspectives.
• Assess emerging trends impacting Transaction Banking and Treasury Services.
• Partner with Treasury, Product, Operations, Technology, and Architecture teams.

Required Qualifications

• Bachelor''s degree or foreign equivalent from an accredited institution.
• 15+ years of experience in Banking, Commercial Banking, Treasury Services, Cash Management, or Transaction Banking.
• 10+ years of experience in Business Architecture, Consulting, Product Strategy, Business Transformation, or related disciplines.
• Extensive experience working with commercial/corporate banking clients.
• Strong understanding of deposits, liquidity, treasury management, cash management, and transaction banking.
• Proven experience working directly with senior executives and C-level stakeholders.
• Strong communication, presentation, facilitation, and strategic problem-solving skills.
• Ability to bridge business strategy, operating models, product strategy, and technology transformation.