Business Development Officer
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- Sales
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- California Bank & Trust
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- 068397 Requisition #
Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.
As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.
We are looking for a Merchant Services Business Development Officer (BDO) to join us in Los Angeles, CA. The BDO will play a vital role in analyzing, optimizing, and supporting payment processing solutions for businesses. This specialized position requires a hunter mentality with a deep understanding of the merchant services industry and regulations, transaction data, interchange, pricing models, merchant relationships, operational workflows, and merchant risk and compliance. The BDO is responsible for reviewing merchant statements, providing rate quotes, managing applications, coordinating equipment orders, ensuring compliance, and leading project management initiatives. This role demands strong analytical skills, attention to detail, and the ability to collaborate with stakeholders to enhance efficiency, profitability, and customer satisfaction.
Essential Functions:
Source and develop Merchant Services prospects and new clients.
Serve as a subject matter expert on merchant payment processing, pricing, risk, and compliance.
Analyze merchant processing statements to identify cost-saving opportunities, detect discrepancies, and optimize pricing.
Develop competitive rate quotes and pricing models tailored to prospects and clients, leveraging transaction indicators, technology needs, and industry benchmarks.
Provide detailed reports and recommendations to improve client financial performance.
Oversee application processing, onboarding, and equipment deployment for new merchant clients.
Develop sales strategies and create & cultivate referral sources.
Stay informed on industry trends, emerging payment technologies, and regulatory changes.
Provide strategic insights to inform product development and client engagement strategies.
Other duties as assigned.
Qualifications:
Requires a bachelor’s in business, finance or a related field and 4+ yrs experience in business development and Merchant Service sales, or other directly related experience. A combination of education and experience may meet job requirements.
Must have a deep understanding of payment technologies, interchange, risk, compliance, and payment industry regulations, including PCI DSS, AML, and fraud prevention.
Working knowledge of sales techniques, business development, banking/finance products and services.
Must have solid customer service and negotiation skills.
Solid communication skills, both verbal and written.
Solid problem resolution and presentation skills.
Working knowledge of word processing, spreadsheet and general PC's skills.
Benefits:
Medical, Dental and Vision Insurance - START DAY ONE!
Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits including coaching and therapy sessions
Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
Employee Ambassador preferred banking products
This position is eligible to earn a base salary in the range of $70,000 - $90,000 base annually depending on job-related factors such as level of experience. Significant bonus opportunity available based on performance.
This position will be open until filled.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
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