Application Deadline

08/06/2026

Address

250 Yonge Street

Job Family Group

Wealth Sales & Service

Head, Personal Insurance Advice (HNW) The Opportunity We’re building a new business inside BMO Insurance: a High-Net-Worth personal insurance offering that draws on BMO’s Wealth, Banking, and Insurance strengths, and on the client relationships and advisory reach we already have. This is a ground-up job — strategy, distribution model, operating framework, client experience, all still to be defined. Nothing like this exists at BMO today, and there’s real room to shape how HNW insurance advice gets done in this market.

It’s not a maintenance role. We need someone who’s comfortable without a playbook, who can build a business and move it through a large organization, and who’ll act as a trusted advisor to senior stakeholders while building the team and partnerships behind the growth. What You’ll Do Build and scale the business

Own the HNW Personal Insurance Advice business end to end

Set the strategy, operating model, distribution approach, and growth plan

Build sales and distribution strategies that fit BMO Insurance’s broader growth agenda

Set priorities and success measures, and drive execution against them

Assess opportunities and challenges independently and bring recommendations Lead distribution and relationships

Build referral and distribution relationships across the enterprise

Drive sales and marketing to grow with new and existing clients

Build trust with senior leaders and partners so insurance advice gets folded into broader client conversations

Own key relationships with internal stakeholders, distribution partners, insurers, and external partners

Contribute to insurer negotiations and support expansion into new markets Deliver a strong client experience

Build a differentiated HNW client value proposition that supports retention and growth

Build relationship management strategies for acquisition, engagement, and retention

Step in on escalated client or sales issues and resolve them in the client’s and the business’s interest

Set the standard for a client experience that reflects well on BMO Build the team and the capability

Hire and develop the team as the business grows

Build a culture of accountability, collaboration, and client focus

Build and evolve the HNW program’s capabilities over time

Build the tools,



training, and sales enablement the team needs

Help internal partners understand where insurance advice fits into broader client planning Run it well

Keep processes scalable, efficient, and high-quality as the business grows

Define what reporting and analytics are needed to make good decisions

Meet legal, regulatory, compliance, and risk requirements

Apply BMO’s Risk Management Framework

Own governance controls that keep operational and regulatory risk in check What You Bring

10+ years of progressive leadership in insurance, wealth management, private client, or financial services

Strong HNW personal insurance, personal lines, wealth advisory, or estate planning expertise A track record of building and executing growth, sales, and distribution strategies

Experience building new businesses or capabilities inside a complex organization

Deep knowledge of insurance distribution, market trends, and client acquisition

Solid relationship and influencing skills across diverse stakeholders

Strong commercial judgment and a record of delivering results

Experience leading initiatives across matrixed organizations and multiple business partners

Sharp analytical, problem-solving, and communication skills

Comfort operating without an established playbook

Bilingual (English/French) preferred Why This Role You’d be building something that doesn’t exist yet — shaping HNW personal insurance advice at BMO from scratch, backed by the scale and reputation of one of Canada’s leading financial institutions. You’d have the mandate and the visibility to set the strategy, build the partnerships, build the team, and grow something that’s genuinely different in the Canadian market.

Salary

$110,500.00 - $192,500.00

Pay Type: Salaried & Commission The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role,



and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

📌 Head, Personal Insurance Advice (HNW) (Toronto)
🏢 BMO
📍 Toronto