Summary Of The Job
At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.
The FNBO Commercial Card Specialist role is responsible for partnering with FNBO Payment Advisors, Relationship Managers and other internal FNBO partners to source, identify, size and solution in‑footprint Commercial Card prospects/customers, as well as manage the accounts post‑implementation. This role is pivotal in fostering strong and lasting relationships between the company and its key customers. The specialist will understand customers’ business needs, identify new and cross‑sell opportunities, and ensure delivery of high‑quality products or services. The specialist will maintain up-to-date knowledge of FNBO products, key vendors and partners to develop strategies for continual improvement of results and service delivered to customers— e.g., reducing customer expenses, identifying efficiencies throughout the procure‑to‑pay cycle, creating cash‑on‑hand solutions, and automating manual invoicing and payment processes. The specialist will report directly to the Sales Management Leader and work closely with leadership, Relationship Managers, Payment Advisors, Agent Bank Partners, Agent Bank BD Team, Sales Support and other relevant roles and departments within the organization. Collaboration and partnership must be a critical strength for this individual.
About This Role Key Accountabilities Sales and Revenue Growth
Actively identify business opportunities for new and existing accounts.
Build and maintain a strong pipeline using available and relevant tools and data.
Monitor and negotiate contract terms and pricing to maximize profitability while ensuring customer satisfaction.
Work with partners to align on revenue targets and build strategies to meet those targets.
Achieve and exceed retention and cross‑sell targets and growth goals for assigned accounts.
Identify growth opportunities within accounts and collaborate with internal teams to develop strategies to capitalize on them.
Customer Relationship Management
Develop and maintain strong, trust‑based relationships with key customers.
Act as a main point of contact for all matters concerning assigned accounts.
Regularly communicate with customers to understand their evolving needs, challenges, and objectives.
Know customer objectives, key strategies, and leaders and stakeholders such that you are able to collaborate in further refining those strategies and developing specific initiatives and solutions that will enable the customer to achieve their objectives.
Speed to Revenue and Strategy
Accurately complete all related sales paperwork and documentation to ensure a smooth transition for new customers boarding.
Partner closely with the implementation teams to ensure flawless execution of new customer setups, training, and onboarding for products.
Create and execute comprehensive account plans aligned with customers’ business goals and company objectives.
Customer Satisfaction and Retention
Monitor customer satisfaction levels and address any issues or concerns promptly and effectively.
Anticipate potential risks or issues and proactively address them to ensure customer satisfaction and retention.
Proactively identify areas for improvement and implement solutions to enhance the customer experience.
Develop strategies to increase customer retention and minimize churn.
Timely follow‑up and seamless execution of initiatives.
Cross‑functional Collaboration
Collaborate closely with internal teams such as leadership, Agent Bank partners, Payment Advisors, sales, product development, marketing, and customer servicing to deliver integrated solutions that meet customers’ needs.
Serve as the voice of the customer within the organization, advocating for customer priorities and requirements.
Contract Negotiation and Annual Reviews
Lead contract negotiations and annual reviews as required, ensuring terms are favorable to both the customer and the company.
Discuss upcoming annual reviews, contract end dates and other critical items in a timely manner and explore opportunities for upselling or cross‑selling additional products or services.
Performance Monitoring and Reporting
Monitor key performance indicators (KPIs) and metrics to track the health and success of assigned accounts.
Prepare regular reports on account status and pipeline, highlighting achievements, challenges, and opportunities for improvement.
Prepare regular reports and presentations for leadership to communicate customer performance and strategic initiatives.
Risk Management and Compliance
Identify and mitigate potential risks or issues that may impact customer satisfaction or business outcomes.
Ensure compliance with company policies, procedures, and contractual obligations in all customer interactions and transactions.
Professional Development
Stay abreast of industry trends, market developments, and best practices in account management.
Seek opportunities for professional development and skills enhancement to continuously improve performance and effectiveness in the role.
Other duties as assigned by leadership.
Qualifications The Ideal Candidate for This Role
Bachelor’s Degree preferred (Finance, Business or other related field of study)
Minimum 5+ years relevant experience working in account management or related field
Excellent communication, negotiation, and interpersonal skills.
Strategic thinker with the ability to develop and execute effective business plans.
Proficiency in CRM software and other relevant tools.
Results‑oriented mindset with a focus on driving business growth and exceeding targets.
Additional Requirements
Strong analytical skills and attention to detail.
Ability to thrive in a fast‑paced, dynamic work environment.
Commitment to continuous learning and professional development.
Willingness to travel for customer meetings or team events.
Desired
Treasury, Global Banking, Merchant and FinTech experience
Knowledge of applicable credit card Networks rules and regulations.
Experience working with Salesforce.
Candidates must possess unrestricted work authorization and not require future sponsorship.
Compensation Compensation range (base pay): $95,857.00‑$162,957.00. This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you’ll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.
Benefits Overview
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short‑Term/Long‑Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
For additional information regarding compensation and benefits, e‑mail FNBO at
TAGAdmin@fnni.com . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20260013
Equal Opportunity & Belonging FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
Learn more here.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
Click here to download 'EEO is The Law' Self-Print Poster.
Click here to download 'EEO is The Law' Supplement for Federal Contractors.
Click here to download 'EEO is The Law' GINA Supplement.
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC.
FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).
Application Deadline All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
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The FNBO Commercial Card Specialist role is responsible for partnering with FNBO Payment Advisors, Relationship Managers and other internal FNBO partners to source, identify, size and solution in‑footprint Commercial Card prospects/customers, as well as manage the accounts post‑implementation. This role is pivotal in fostering strong and lasting relationships between the company and its key customers. The specialist will understand customers’ business needs, identify new and cross‑sell opportunities, and ensure delivery of high‑quality products or services. The specialist will maintain up-to-date knowledge of FNBO products, key vendors and partners to develop strategies for continual improvement of results and service delivered to customers— e.g., reducing customer expenses, identifying efficiencies throughout the procure‑to‑pay cycle, creating cash‑on‑hand solutions, and automating manual invoicing and payment processes. The specialist will report directly to the Sales Management Leader and work closely with leadership, Relationship Managers, Payment Advisors, Agent Bank Partners, Agent Bank BD Team, Sales Support and other relevant roles and departments within the organization. Collaboration and partnership must be a critical strength for this individual.
About This Role Key Accountabilities Sales and Revenue Growth
Actively identify business opportunities for new and existing accounts.
Build and maintain a strong pipeline using available and relevant tools and data.
Monitor and negotiate contract terms and pricing to maximize profitability while ensuring customer satisfaction.
Work with partners to align on revenue targets and build strategies to meet those targets.
Achieve and exceed retention and cross‑sell targets and growth goals for assigned accounts.
Identify growth opportunities within accounts and collaborate with internal teams to develop strategies to capitalize on them.
Customer Relationship Management
Develop and maintain strong, trust‑based relationships with key customers.
Act as a main point of contact for all matters concerning assigned accounts.
Regularly communicate with customers to understand their evolving needs, challenges, and objectives.
Know customer objectives, key strategies, and leaders and stakeholders such that you are able to collaborate in further refining those strategies and developing specific initiatives and solutions that will enable the customer to achieve their objectives.
Speed to Revenue and Strategy
Accurately complete all related sales paperwork and documentation to ensure a smooth transition for new customers boarding.
Partner closely with the implementation teams to ensure flawless execution of new customer setups, training, and onboarding for products.
Create and execute comprehensive account plans aligned with customers’ business goals and company objectives.
Customer Satisfaction and Retention
Monitor customer satisfaction levels and address any issues or concerns promptly and effectively.
Anticipate potential risks or issues and proactively address them to ensure customer satisfaction and retention.
Proactively identify areas for improvement and implement solutions to enhance the customer experience.
Develop strategies to increase customer retention and minimize churn.
Timely follow‑up and seamless execution of initiatives.
Cross‑functional Collaboration
Collaborate closely with internal teams such as leadership, Agent Bank partners, Payment Advisors, sales, product development, marketing, and customer servicing to deliver integrated solutions that meet customers’ needs.
Serve as the voice of the customer within the organization, advocating for customer priorities and requirements.
Contract Negotiation and Annual Reviews
Lead contract negotiations and annual reviews as required, ensuring terms are favorable to both the customer and the company.
Discuss upcoming annual reviews, contract end dates and other critical items in a timely manner and explore opportunities for upselling or cross‑selling additional products or services.
Performance Monitoring and Reporting
Monitor key performance indicators (KPIs) and metrics to track the health and success of assigned accounts.
Prepare regular reports on account status and pipeline, highlighting achievements, challenges, and opportunities for improvement.
Prepare regular reports and presentations for leadership to communicate customer performance and strategic initiatives.
Risk Management and Compliance
Identify and mitigate potential risks or issues that may impact customer satisfaction or business outcomes.
Ensure compliance with company policies, procedures, and contractual obligations in all customer interactions and transactions.
Professional Development
Stay abreast of industry trends, market developments, and best practices in account management.
Seek opportunities for professional development and skills enhancement to continuously improve performance and effectiveness in the role.
Other duties as assigned by leadership.
Qualifications The Ideal Candidate for This Role
Bachelor’s Degree preferred (Finance, Business or other related field of study)
Minimum 5+ years relevant experience working in account management or related field
Excellent communication, negotiation, and interpersonal skills.
Strategic thinker with the ability to develop and execute effective business plans.
Proficiency in CRM software and other relevant tools.
Results‑oriented mindset with a focus on driving business growth and exceeding targets.
Additional Requirements
Strong analytical skills and attention to detail.
Ability to thrive in a fast‑paced, dynamic work environment.
Commitment to continuous learning and professional development.
Willingness to travel for customer meetings or team events.
Desired
Treasury, Global Banking, Merchant and FinTech experience
Knowledge of applicable credit card Networks rules and regulations.
Experience working with Salesforce.
Candidates must possess unrestricted work authorization and not require future sponsorship.
Compensation Compensation range (base pay): $95,857.00‑$162,957.00. This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you’ll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.
Benefits Overview
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short‑Term/Long‑Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
For additional information regarding compensation and benefits, e‑mail FNBO at
TAGAdmin@fnni.com . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20260013
Equal Opportunity & Belonging FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
Learn more here.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
Click here to download 'EEO is The Law' Self-Print Poster.
Click here to download 'EEO is The Law' Supplement for Federal Contractors.
Click here to download 'EEO is The Law' GINA Supplement.
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC.
FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).
Application Deadline All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
#J-18808-Ljbffr