Personal Banking Associate

Role Overview

This position focuses on delivering a strong in-branch experience for BMO customers and prospects. You will identify customer needs, offer suitable guidance on financial solutions, and work closely with branch teammates and BMO partners to support customer goals and broader business outcomes.

Key Responsibilities

• Partner with BMO colleagues to spot referral opportunities that can deepen customer relationships beyond everyday personal banking.
• Greet visitors in the branch lobby, help direct them, and explain digital and self-service options that make banking quicker and easier.
• Lead customer conversations in the lobby, suggesting alternate service channels and providing guidance on personal banking and investment needs.
• Handle routine customer transactions accurately and smoothly.
• Review customer profiles and use needs-based discussions to uncover opportunities, including day-to-day banking and credit card requirements.
• Help the branch achieve business targets while improving the overall customer experience.
• Support branch operations such as inventory control, escalated service requests, application follow-ups, filing, and opening/closing tasks.
• Work as an important part of a flexible, collaborative branch and market team.
• Use probing questions to understand personal banking and credit card needs and weave in marketing offers and programs where relevant.
• Keep work details organized so information remains accurate and complete.
• Look for practical ways to make each interaction feel more personal and memorable.
• Contribute ideas and effort toward continuous improvement in customer service.
• Be prepared to work across multiple branches or channels depending on market demand, with schedules that may vary by day, hours, and shifts.
• Follow risk and compliance procedures to protect customer assets, privacy, and best interests.
• Stay up to date on the financial services market, legal and regulatory requirements, and the ethical standards expected in the industry.
• Maintain current knowledge of personal banking products, practices, and trends and use that knowledge in customer discussions.
• Identify and report activity that may indicate money laundering.
• Comply with the legal and regulatory rules that apply in the jurisdiction.
• Protect the bank’s assets while meeting regulatory, legal, and ethical obligations.
• Handle varied and moderately complex tasks within defined limits and rules.
• Assess issues, decide on next steps, and escalate when needed.
• Take on additional related responsibilities as required.
• Apply the Risk Management Framework in line with Risk Culture, approved risk appetite, and all relevant policies, standards, procedures, frameworks, laws, and regulations to make sound risk-aware decisions.

Qualifications

• Usually 1 to 2 years of related experience and/or a certification in a relevant field of study is preferred, or an equivalent mix of education and experience.
• In Canada, registration to sell investment products must be completed or in progress and finished within 12 months, where required by the jurisdiction.
• You should be comfortable using social media, tablets, smartphones, online tools, and apps.
• Prior experience in consultative customer service or sales is helpful, especially if you enjoy creating a personal customer experience.
• Basic understanding of specialized sales and business banking solutions so you can refer customers to the right experts.
• A genuine desire to help customers.
• Strong motivation to deliver personalized service.
• Results-oriented mindset with the ability to succeed in a consultative, team-based sales environment.
• Resourceful self-starter with the confidence to engage customers proactively.
• Willingness to collaborate and adapt across different team responsibilities.
• Strong people skills and the ability to build trust and rapport.
• Good listening skills, problem-solving ability, and flexibility when facing new challenges.
• Basic specialized knowledge.
• Good verbal and written communication skills.
• Good organizational ability.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.

Compensation and Benefits

The posted salary range is CAD 34,750 to CAD 51,800 on a salaried basis. Compensation can vary depending on location, skills, experience, education, and qualifications, and may include commission. For part-time roles, pay is adjusted proportionally to regular hours worked. For commission-based roles, the stated range reflects expected first-year target earnings.

BMO’s total rewards package may include performance-based incentives, discretionary bonuses, and other benefits. Benefits mentioned include health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

About BMO

BMO’s purpose is to create positive change for customers, communities, and employees by growing responsibly in business and life. The organization emphasizes support, learning, and development through training, coaching, management support, and networking opportunities so employees can build experience and expand their skills.

Workplace and Hiring Notes

BMO is committed to an inclusive, equitable, and accessible workplace. Accommodation can be requested for any part of the selection process by contacting the recruiter. BMO also notes that it does not accept unsolicited resumes from sources other than candidates directly, and such resumes are treated as BMO property. No placement fee will be paid unless a recruiter has a valid, written, fully executed agency agreement in place.