CASH MANAGEMENT MANAGER JOB DESCRIPTION

Six years is the floor. Most professionals stepping into this role carry deeper exposure to Transaction Banking and payment product cycles before they own the function. The Cash Management Manager governs the development, pricing, and compliance governance of a bank's cash and payment product suite - from FPS-based instruments to cross-border settlement services - working across legal, risk, and operations to keep every product defensible under regulatory scrutiny. SME acquisition targets and CASA flow metrics are the scoreboard.

As the Cash Management Manager, you own the end-to-end product and sales strategy for the bank's cash management and electronic payment offerings, directly influencing market share and non-borrowing account growth across corporate and SME segments. You operate within the Transaction Banking division, coordinating with Compliance, Legal, Risk, and branch teams to ensure product delivery meets both client expectations and regulatory requirements.

Career Impact: Owning the cash management product mandate in a regulated banking environment builds rare depth in Transaction Banking - a function that commands senior titles such as Head of Transaction Banking or Regional Product Director.

Business Impact: The accounts acquired and the payment products launched under this role directly determine CASA balances and FX flow, two of the most closely watched funding metrics on a bank's balance sheet.

Growth Opportunity: Exposure to KYC/CDD/EDD frameworks, cross-border settlement structures, and SME referral networks positions you to move into regional product leadership or relationship banking at the director level.

Company Value: Employers in this space explicitly cite talent investment and career development as strategic priorities alongside business expansion, reflecting an environment where performance in this seat is visible to executive leadership.

• Develop and enhance the bank's cash management and payment product portfolio to maintain competitive positioning in the market.
• Propose pricing strategies and sales plans for cash management products to grow market share within the Transaction Banking division.
• Enforce KYC, CDD, and EDD processes during new account onboarding to minimize compliance exposure and regulatory risk.
• Coordinate with Legal, Compliance, and Risk teams to ensure all products and processes meet internal governance and external regulatory requirements.
• Drive acquisition of new non-borrowing SME accounts by identifying referral sources and deepening existing client relationships.
• Design and optimize sales processes and operational controls to support consistent, compliant product delivery.
• Partner with marketing and branch teams to execute campaigns that increase customer adoption of Transaction Banking services.
• Monitor cash management product performance and client usage to identify opportunities for product innovation or enhancement.

• Bachelor's degree in Business Administration, Finance, Marketing, e-Commerce, or equivalent work experience.
• 5 or more years of cash management or Transaction Banking experience, with demonstrated product development or client acquisition results.
• Working knowledge of payment product structures including direct debit, payroll disbursement, and FX-linked instruments.
• Solid understanding of KYC, CDD, EDD, and banking compliance frameworks governing account opening and product delivery.
• Proven ability to coordinate cross-functionally with Legal, Compliance, Risk, and Operations stakeholders to deliver compliant outcomes.
• Strong business development instincts with the ability to assess SME client needs and translate them into product or service solutions.
• Effective communication skills in English and at least one additional language relevant to the client base served.

• Proficiency in Mandarin to support communication with PRC-based clients and cross-border business counterparts.
• Prior experience managing eBanking platforms or electronic banking support functions within a branch or product team.
• Familiarity with FPS-based products such as eDDA, dividend payment, or bill payment in a live production environment.
• Exposure to referral networks from Accountancy or Solicitor firms as a source of qualified SME account leads.

• New non-borrowing SME accounts opened per quarter, measuring acquisition pipeline execution.
• CASA balance growth within the managed portfolio, reflecting deposit capture from cash management relationships.
• KYC/CDD completion rate and compliance exception rate on new account openings.
• Cash management product adoption rate among enrolled corporate and SME clients.
• Time-to-launch for new or enhanced payment products from approval to live deployment.
• Typical tools: payment platform consoles (commonly FPS-connected portals); productivity suites (commonly MS Office including Word Processing).

• Base Salary Range: $95,000 to $130,000 annually depending on experience and market.
• Bonus: Performance-based, typically 10% to 20% of base tied to portfolio and acquisition targets.
• Equity: Uncommon at this level in banking; deferred compensation or profit-sharing may apply.
• Health Benefits: Medical, dental, and vision coverage standard; employer contribution typical.
• PTO: 15 to 20 days annually plus federal bank holidays.
• Common Perks: Professional development funding, tuition reimbursement, and banking product employee discounts.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other characteristic protected under applicable federal, state, or local law. Candidates requiring reasonable accommodations during the application or interview process may request them at any time. A background check, including review of relevant financial history, is a condition of employment. All candidates must be authorized to work in the United States prior to their start date.

The Cash Management Manager owns the development, pricing, and compliance governance of cash management and payment products within the Transaction Banking division, coordinating with Legal, Compliance, and Risk to maintain market competitiveness. Reporting to senior management, this role shapes product strategy and sales planning to drive market share growth across corporate and SME client segments.

Key Responsibilities

• Manage the ongoing development, product enhancement, and review of cash management and payment products in Transaction Banking.
• Propose business strategies, product pricing, and sales/marketing plans to increase market share of cash management products.
• Liaise with internal teams to optimize customer outreach to prospects and existing clients to maintain market competitiveness.
• Design sales processes and ensure proper operational control and governance.
• Coordinate with Legal, Compliance, Control, and Risk to ensure end-to-end process compliance with internal and external regulatory requirements.
• Participate in ad-hoc assignments as assigned.

Required Qualifications

• Degree or above in IT, Business Administration, Marketing, e-Commerce, or related disciplines.
• At least 6 years of relevant experience in cash management and payment product development and management.
• Familiar with FPS and payment products such as direct debit, eDDA, payroll, dividend payment, and bill payment.
• Working experience in eBanking is preferred.
• Proficient in MS Office applications and Chinese Word Processing.
• Excellent analytical, problem-solving, and communication skills
• Independent, able to work under pressure, and sensitive to market changes with a proactive approach.
• Good command of verbal and written English, Chinese, and Mandarin.

Embedded within the branch banking structure, the Cash Management Manager delivers sales, enrollment, and service management for the full suite of cash management and electronic banking products across an assigned region. Working closely with the Director of Branch Administration and the Chief Operating Officer, this role supports operational compliance, client coordination, and the effective oversight of an Electronic Banking Support Center.

Core Functions

• Manage the sales, delivery, and services of all cash management products for the assigned region.
• Manage enrollment, setup, and service delivery for all Cash Management and electronic banking products and services.
• Manage an Electronic Banking Support Center and related personnel, if assigned.
• Assist the Director of Branch Administration and Chief Operating Officer with other duties as assigned.
• Establish and maintain effective coordination and working relationships with clients, staff, and executive management.
• Assume responsibility for other related duties, all bank policies and procedures, regulatory guidelines, and required training.

Qualifications & Experience

• Bachelor's Degree preferred.
• Minimum 10 years of bank experience in Branch Operations with at least 5 years in a management role.
• Thorough understanding of Branch Operations, Cash Management, Deposit Related Compliance laws and regulations, and standard banking practices.
• Proficient in Microsoft Office software
• Able to operate related computer hardware and business equipment, including adding machine, copy machine, telephone, encoder, and paper shredder.
• Excellent communication, training, and problem-solving skills
• Professional appearance and attitude; good math skills.

Reporting to the Department Manager, the Cash Management Manager controls internal income processes and operational risk monitoring within the Commercial Office, ensuring other incomes are accurately recorded and supplier pricing is validated before system entry. Partnering with the Accounting team, this role supports process design improvements and contributes to day-to-day operational stability across a small retail-focused team.

Primary Duties

• Control internal processes and ensure other income (OI) is recorded correctly and completely.
• Coordinate with Accounting in the collection process of other income.
• Check the correctness of Supplier Price before entry into the company's database.
• Support the Department Manager in designing and improving internal processes for the Commercial Office.
• Work with the Department Manager to monitor potential operational risks in the Commercial Office.

Skills & Qualifications

• Bachelor's Degree or higher in Accounting, Finance, Statistics, or related fields.
• Experience in back-margin and other income (OI) collection in the retail business is required.
• Experience in a Business Analyst role from retail, hypermarket, or convenience store is preferable.
• At least 1 year of experience operating day-to-day in a small team.
• Excellent command of Excel
• Ability to use Macro programs is an advantage.

A key member of the Transaction Banking team, the Cash Management Manager leads the acquisition of new non-borrowing SME accounts and deepens existing relationships to drive CASA, FX, and operating flow in line with the Bank's SME Account Acquisition Strategy. Collaborating across branch, compliance, and product units, this role enforces KYC and CDD/EDD processes while capturing deposit, insurance, and investment opportunities from non-borrowing relationships.

Duties

• Conduct careful selection of trustworthy referral sources to tap referrals from selective firms in a timely manner under a robust new customer screening and acceptance process.
• Explore business opportunities from existing non-borrowing SME accounts and deepen relationships.
• Enforce stringent KYC processes with detailed CDD/EDD completion to facilitate new account opening and minimize compliance issues.
• Capture deposit, FX, cash management, insurance, and investment opportunities from non-borrowing relationships.
• Work closely with all bank units to ensure the best possible cash product offering and delivery in compliance with regulatory requirements.
• Participate in marketing and sales campaigns to optimize customers' usage of Transaction Banking services and assist in account opening and maintenance.

Experience & Qualifications

• Degree in Business Administration, Marketing, e-Commerce, or related disciplines.
• At least 5 years of relevant banking experience with proven track records in cash management and Transaction Banking development.
• Experience with Accountancy or Solicitor firm referral sources and customer account opening is a definite advantage.
• Proficiency in Mandarin to communicate with PRC clients.
• Strong business acumen and good knowledge of channel, cash management, branch services, banking operations, and bill services.
• Able to identify business opportunities and assess customers' needs through product innovation.
• Self-motivated, detail-oriented, able to work under pressure.
• Excellent analytical, interpersonal, influencing, and negotiation skills.
• Candidates with less experience will be considered for Assistant Manager.