Senior Business Architect- Commercial Banking/Treasury/Cash Management

Qualifications

Bachelor s degree or foreign equivalent required from an accredited institution. Will also consider three years of progressive experience in the specialty in lieu of every year of education.

At least 15+ years of experience in Banking, Treasury Services, Cash Management, or Transaction Banking.

At least 10+ years of experience in consulting, business architecture, product strategy, or business transformation.

Location for this position is Toronto, Canada or NY City Candidate must be located within commuting distance or be willing to relocate to the area. This position may require travel to project locations.

Local candidates to Toronto are preferred.

Preferred Experiences

Deposit & Liquidity Management
o Deep expertise in commercial and corporate deposits.
o Strong understanding of liquidity products and services.
o Experience with:

Cash Concentration

Notional Pooling

Physical Pooling

Zero Balance Accounts (ZBA)

Target Balance Accounts (TBA)

Account Sweeps

Interest Optimization Structures

Working capital optimization solutions.

Deposit pricing and profitability management.

Commercial banking operating models.

Treasury & Cash Management
o Treasury Management Services.
o Commercial Cards and Treasury Products.
o Receivables and Payables Management.
o Virtual Accounts.
o Integrated Treasury Platforms.
o Liquidity forecasting and cash positioning.
o Commercial client cash-flow and liquidity solutions.

Transaction Banking Strategy
o Product strategy and product lifecycle management.
o Market benchmarking and competitive analysis.
o Business capability modeling.
o Operating model design.
o Transformation roadmap creation.
o Business case and value realization development.
o Revenue growth and profitability optimization.

Digital Transformation
o Treasury Digital Transformation initiatives.
o Treasury portals and digital channels.
o Client onboarding and servicing transformation.
o Workflow automation and straight-through processing.
o Commercial banking ecosystem integration.
o API Banking and Open Banking concepts.
o Data-driven treasury insights and analytics.

Payments & Collections

ACH

Wire Payments

Real-Time Payments (RTP)

FedNow

SWIFT

ISO 20022

Lockbox Services

Receivables and Collections

Business Architecture

Define target-state business capabilities across Deposit and Liquidity Management.

Develop business architecture and capability maps aligned to strategic goals.

Create future-state operating models for treasury and cash management organizations.

Identify capability gaps and recommend transformation priorities.

Strategic Advisory

Act as a trusted advisor to executive leadership teams.

Provide industry best practices and market insights.

Offer competitor benchmarking and product comparisons.

Assess emerging trends impacting transaction banking and treasury services.

Product & Domain Consulting

Evaluate existing deposit and liquidity product portfolios.

Recommend opportunities for modernization and innovation.

Support product rationalization, enhancement, and expansion initiatives.

Develop product strategy aligned with client growth objectives.

Transformation Leadership

Lead business assessments and current-state evaluations.

Facilitate executive workshops and stakeholder interviews.

Develop strategic roadmaps and implementation plans.

Define business outcomes, KPIs, and value realization metrics.

Client Engagement

Present recommendations and thought leadership to senior executives.

Build relationships with Treasury, Transaction Banking, Product, Operations, and Technology stakeholders.

Collaborate with solution architects and technology teams to align business and technology strategies.

Preferred Certifications

BIAN (Business Architecture) Certification

TOGAF Business Architecture

Certified Treasury Professional (CTP)

Certified Cash Manager (CCM)

Scaled Agile (SAFe) Certification

Product Management Certification