Bank Ops Transformation Consultant -On-site in Miami, FL

Job Description

Job Description

Bank Ops Transformation Consultant -Miami, FL

FinTrust Connect has partnered with a well-established U.S.-based community bank seeking to modernize its operations and customer experience through intelligent automation. With a strong commitment to innovation and efficiency, they are looking for a seasoned Bank Ops Transformation Consultant to spearhead a comprehensive review of the banks internal systems, workflows, and service delivery infrastructure. The goal is to uncover opportunities for automation and recommend scalable, regulatory-compliant AI solutions that streamline operations, enhance decision-making, and drive customer satisfaction.

Why This Opportunity?

• Culture: This bank values initiative, efficiency, and results. They foster a focused, independent work environment where professionals are trusted to lead meaningful change and deliver measurable impact.

• Workplace (On-site, Hybrid, Remote): On-site in Miami, FL

Requirements:

• 4+ years of experience in operations or process transformation consulting, preferably within the banking or financial services sector.
• Deep understanding of retail and back-office banking processes, operational risk, and regulatory compliance.
• Familiarity with AI-driven automation tools such as robotic process automation (RPA), natural language processing (NLP), or decision intelligence platforms.
• Strong process mapping, strategic planning, and change management capabilities.
• Demonstrated success leading cross-functional transformation initiatives in regulated environments.

Description:

• Lead a comprehensive review of the banks operational workflows to identify inefficiencies, bottlenecks, and improvement opportunities.
• Design a transformation strategy that improves efficiency, reduces risk, and integrates automation where it provides clear value.
• Collaborate with stakeholders across Operations, Compliance, Risk, and Customer Experience to map current-state processes.
• Recommend and prioritize automation and process improvement initiatives, including AI- and RPA-based solutions where applicable.
• Support solution design, change management, and vendor selection or integration planning.
• Present actionable recommendations and an implementation roadmap to executive leadership, including ROI analysis and transformation milestones.

Internal Project Brief Interamerican Bank: Credit Underwriting Modernization

Project Name:
Credit & Ops Transformation Interamerican Bank

Last Update:
[Insert Todays Date]

Executive Summary

Interamerican Bank is exploring cost-effective ways to modernize and streamline its credit underwriting and BSA/AML operations, starting with a pilot in the credit area. The client is looking for practical, low-cost, fast-ROI solutions and has voiced resistance to traditional consulting models (e.g., expensive assessments without actionable tools).

Theyve responded positively to our consultative, farm-to-table model: bringing specialized experts who get hands-on, deliver usable solutions, and understand community bank limitations.

Strategic Drivers

• Top Priority: Reduce variability and human error in credit documentation (commitment letters, applications, notes).

• Secondary Focus: Improve efficiency of underwriting to enable faster loan decisions (esp. CRE loans).

• Other: Desire for AI/automation exposure via small pilot use cases (e.g., tool called Gale AI); cautious about large investments without tangible ROI.

• BSA/AML: Some exploration underway, but not the near-term focus.

Client Pain Points

• Takes too long to underwrite CRE loans (currently 1015 per month).

• Lack of consistency across loan documentation leads to audit/review issues.

• Heavy reliance on manual processes and legacy behaviors.

• Failed prior tool implementation (BankStride).

• Limited internal tech capacity.

• Ownership cautious about risk and spending ROI-focused.

Key Stakeholder

• Enrique Masson (spearheading project internally)

• Goal: Build quick wins to present to ownership (esp. Lindsay) with cost-benefit clarity.

Budget Context

• Rejected $30K proposals for assessment-only deliverables.

• Open to ~$50K for assessment + working solution.

• Gale AI: $1K/month pilot subscription as benchmark.

• Wants to avoid overhaul proposals and stick to small, phased wins.

️ Proposed Plan of Action

Phase 1 Discovery & Gap Assessment

• Focused on underwriting & credit ops.

• Identify inefficiencies, doc variation, and automation opportunities.

• Map existing tools and processes.

• Estimated budget: $8K$15K based on consultant hours.

Phase 2 Quick Win Implementation

• Identify and deploy one automation solution/tool to:

  • Standardize doc generation OR

  • Accelerate pre-screening of CRE loans.

• Estimated budget: $15K$30K (depending on scope/tool/vendor).

Phase 3 Ongoing Support / Phase Expansion

• Expand solution to cover BSA/AML or additional underwriting phases.

• Use initial ROI to justify further internal investment.

• Pricing TBD based on Phase 2 outcomes.

Next Steps

• Prepare a simple proposal with scope options for Enriques review post-vacation.

• Include:

  • 2 pricing paths (light assessment + tool / deeper engagement)

  • ROI-focused language and benefits

  • Option to revive BankStride if viable

• Add NDA for sharing deeper data on process volumes, tools, staff, etc.