BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S.

We are driven by a single purpose: to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our ambition, and reinforces our commitments to progress: for a thriving economy, a sustainable future, and an inclusive society.

The ideal candidate will have a strong COI (Center of Influences) network, established in the market place, and a proven track record in sales performance. This individual will join a tight knit team of energetic collaborators experienced in sales and in maintaining relationships. Continued growth of the team provides a unique opportunity to join in building a highly valued segment within a stable and thriving bank.

This role facilitates growth for the Bank through business development and management of key client relationships. Maintains an outstanding and continuous record of significant revenue generation from sales and syndications.

- Acts as an escalation point for complex client issues, using strategic problem-solving to resolve conflicts and maintaining strong client relationships.

- Leads the structuring of high-value, complex deals, and credit approvals, ensuring alignment with client needs.

- Oversees credit approvals and drives pricing coordination, acting as the primary client advocate to ensure alignment with client needs and bank objectives.

- Drives negotiations for high-value, complex transactions and credit approvals, ensuring deals are structured to meet client needs.

- Manages high-value client portfolios, driving cross-selling, retention, and profitability.

- Implements cross-selling initiatives, driving client engagement and successfully transitioning opportunities into revenue-generating sales.

- Leads market coverage strategies to expand portfolios, identify opportunities, and align with business goals.

- Represents bank at industry forums and conferences, leveraging insights on trends, competition, and emerging products to drive strategic decision-making.

- Engages with senior leadership and cross-functional teams to align strategies, address client needs, and drive holistic business solutions.

- Delivers reports to the bank’s leadership on team performance, client satisfaction, market trends, and key strategic initiatives, delivering insights that inform corporate strategy.

- Drives strategic advisory on loan products, options, rates, terms, and collateral requirements, ensuring tailored solutions that align with client needs and business objectives.

- Builds and maintains strong long-term relationships with the bank’s high-value and strategic clients, providing strategic advice on financial solutions and ensuring exceptional service and partnership.

- Structures deals, secures credit approvals, negotiates high-value transactions, and identifies opportunities for cross-selling.

- Analyzes market trends, client industry developments, and competitive positioning to inform client solution strategies and optimize client satisfaction.

- Works closely with internal teams and stakeholders to define products, solutions and strategies that best fit clients’ needs.

- Identifies share of wallet opportunities.

- Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.

- Ensures adherence to regulatory requirements, internal controls, and compliance policies in all aspects of relationship management, mitigating risk and maintaining service standards.

- Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.

- Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.

- Implements changes in response to shifting trends.

- Broader work or accountabilities may be assigned as needed.

- Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications

- 10 years of relevant experience in Relationship Management, Account Management or Portfolio Management in a corporate or similar segmented banking environment with sales metrics is preferred.

- Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.

- If a Credit Qualifiable role, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.

- Seasoned professional with a combination of education, experience and industry knowledge.

Advanced level of proficiency

- Project Management

- Change Management

Expert level of proficiency





- Product Knowledge

- Regulatory Compliance

- Structuring Deals

- Portfolio Management

- Credit Risk Assessment

- Customer Service

- Stakeholder Management

- Negotiation

- Customer Relationship Building

Data Scientist, AML Transaction Monitoring & Machine Learning

Uses advanced analytics, machine learning, and statistical techniques to design, develop, and optimize Anti-Money Laundering (AML) transaction monitoring solutions. Leverages large-scale transactional, customer, and investigative datasets to identify suspicious activity, improve detection effectiveness, and reduce false positives. Partners with Financial Intelligence Unit (FIU), AML Compliance, Model Risk Management, Data Management, and Technology teams to deliver data-driven solutions that enhance the Bank's financial crime detection capabilities while meeting regulatory and governance requirements.

The successful candidate will contribute throughout the model lifecycle, including data acquisition, feature engineering, model development, validation support, implementation, ongoing monitoring, and model optimization. The role requires translating complex analytical findings into practical business insights and recommendations that strengthen the AML program and support risk-based decision making.

Key Responsibilities

- Design, develop, test, and deploy machine learning and analytical models used for AML transaction monitoring and suspicious activity detection.

- Analyze large volumes of customer, transactional, payment, and alert data to identify emerging money laundering risks, typologies, and anomalous behavior patterns.

- Develop and evaluate supervised and unsupervised machine learning approaches to improve detection effectiveness and investigator outcomes.

- Conduct feature engineering and exploratory data analysis to identify behavioral indicators associated with financial crime risk.

- Perform quantitative assessments of model performance, including detection effectiveness, productivity, false positive reduction, and risk coverage.

- Support model tuning, optimization, and revalidation activities to ensure models continue to perform as intended.

- Assess data quality and data lineage and partner with data management teams to resolve issues affecting model performance and reliability.

- Prepare clear and comprehensive model development, testing, and governance documentation to support model validation, audit, and regulatory reviews.

- Translate analytical findings into actionable recommendations for AML Compliance, FIU, and senior management.

- Collaborate with business stakeholders, investigators, model governance, and technology partners to prioritize enhancements and implement solutions.

- Research emerging financial crime typologies, machine learning techniques, and industry best practices to continuously improve monitoring capabilities.

- Contribute to strategic initiatives involving AI, machine learning, graph analytics, network analysis, and other advanced analytical approaches applicable to financial crime detection.

- Ensure all analysis and model development activities comply with applicable regulatory requirements, internal policies, and model risk management standards.

- Take measured risks while protecting the bank by applying the Risk Management Framework and exercising sound risk-based judgment.

Required

Preferred AML-Specific Qualifications

- Typically between 4 - 6 years of relevant experience and post-secondary degree in a related field of study or an equivalent combination of education and experience.

- Experience with Python and SQL for large-scale data analysis, feature engineering, and model development.

- Strong understanding of statistical analysis, machine learning algorithms, and model performance measurement.

- Experience working with large structured and semi-structured datasets.

- Experience using version control tools and code repositories (e.g., Git, GitHub, Azure DevOps) to support collaborative development and reproducible analytical workflows.

- Familiarity with generative AI tools and AI-assisted development practices (e.g., Microsoft 365 Copilot, GitHub Copilot, LLM-based coding assistants) to improve productivity, documentation, and analytical workflows.

- Ability to communicate technical concepts effectively to both technical and non-technical audiences.

Preferred

- Experience in AML, transaction monitoring, fraud analytics, sanctions screening, financial crime compliance, or risk analytics.

- Knowledge of AML regulations, suspicious activity reporting processes, financial crime typologies, and transaction monitoring methodologies.

- Experience developing, tuning, validating,



or monitoring machine learning and analytical models used for risk detection or decision support.

- Experience with anomaly detection, clustering, graph analytics, network analysis, or other advanced analytical techniques.

- Familiarity with model governance, model validation, regulatory examinations, audit activities, and model documentation requirements.

- Experience working with customer, transaction, payment, alert, case, and investigative datasets.

- Experience using Dataiku, Databricks, SAS, Spark, Hadoop, cloud-based analytics platforms, or similar technologies.

- Demonstrated ability to leverage AI tools to improve analytical efficiency, automate repetitive tasks, accelerate code development, and enhance documentation quality.

- Advanced degree in Statistics, Mathematics, Data Science, Computer Science, Economics, Engineering, or a related quantitative discipline.

Salary

$67,200.00 - $124,200.00

Pay Type

Salaried 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/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual ster

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 recent 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/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to [email protected] and let us know the nature of your request and your contact information.

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.

📌 Emerging Middle Market Relationship Manager, Vice President (Toronto)
🏢 BMO U.S.
📍 Toronto