Bilingual Account Specialist, High Value at Risk

BMO U.S.

. Review and evaluate delinquent, high-risk, or written-off accounts for collection opportunities .

Posted 10/28/2026full-timeRemote • CanadaMid-LevelSenior💰 CA$45,000 - CA$100,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Consumer Collections, including knowledge of credit qualifications, collections strategies, and regulatory compliance. Proven ability to build customer relationships, analyze accounts, and develop actionable solutions to maximize recovery while adhering to risk management frameworks.

Highest-signal resume keywords

Consumer Collections KnowledgeCredit Qualifications ExpertiseAnalytical And Problem-Solving SkillsNegotiation And Interpersonal SkillsRisk Management Framework Application

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collections StrategiesCredit KnowledgeData AnalysisLoss Mitigation ProcessesDocumentation Processing

Soft Skills

Verbal And Written CommunicationCollaboration And Team SkillsInfluence SkillsCustomer Relationship BuildingCreative Problem Solving

Industry Keywords

Regulatory EnvironmentBMO Products And ServicesMarket TrendsConsumer Collections LawsContinuous Improvement Initiatives

About the role

Key responsibilities & impact

Review and evaluate delinquent, high-risk, or written-off accounts for collection opportunities
Provide collections-related sales, service, payment-strategy advice, and products to BMO customers or prospects
Build trust, rapport, credibility, and long-term profitable customer relationships
Address complex and escalated customer requests and transactions
Contact customers to obtain application information and communicate payment status and results
Execute loss-mitigation processes for non-performing and high-risk accounts
Handle incoming calls professionally and efficiently
Probe customer needs and advise on payment and collections strategies
Send client communications, process transactions, and coordinate with internal stakeholders
Integrate marketing promotions and programs into customer conversations
Support strategic initiatives with internal and external stakeholders
Develop action plans and solutions to maximize recovery and safeguard the Bank's interests
Serve as a key support contact, resource, and coach for Consumer Collections personnel
Review accounts, analyze collection probability, and provide insights and recommendations
Gather and format data for regular and ad-hoc reports and dashboards
Develop and execute short-term tactics and plans to drive results
Manage customer-call transactions or refer matters to appropriate internal business groups
Escalate complex or unresolved customer situations to managers
Complete documentation for accurate processing of customer requests
Integrate information from multiple sources to improve processes, analysis, and reporting
Lead or participate in the design, implementation, and management of business/group processes
Support development and promotion of business/group programs
Identify business needs and design or develop tools and training programs, including possible training delivery
Participate in established loss-mitigation solutions, including loan modifications and liquidation, to minimize losses
Follow documented policies and procedures
Identify and refer customers to other business groups as needed
Support continuous improvement initiatives
Develop and maintain awareness of industry trends, best practices, and the regulatory environment
Think creatively, propose new solutions, and independently diagnose and solve problems
Apply sound, risk-informed decisions aligned with business strategy and the Risk Management Framework

Requirements

What you’ll need

Typically between 3 - 5 years of relevant experience
Post-secondary degree in a related field of study or an equivalent combination of education and experience
Knowledge of Credit Qualifications and associated credit knowledge and skills according to established qualification standards
Good knowledge of federal, provincial and local laws pertaining to Consumer Collections and the functional area
Good knowledge of BMO products and services
Knowledge of competitive marketplace and trends in product offerings
Specialized knowledge from education and/or business experience
In-depth verbal and written communication skills
In-depth collaboration and team skills
In-depth analytical and problem-solving skills
In-depth influence skills
Strong negotiation and interpersonal skills
Ability to maintain confidentiality of customer and Bank information
Knowledge of collections strategies, practices, trends, industry best practices, and the regulatory environment
Ability to work mostly independently
Ability to apply BMO's Risk Management Framework and comply with policies, laws, and regulations

Benefits

Comp & perks

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
Performance-based incentives
Discretionary bonuses
In-depth training and coaching
Manager support
Network-building opportunities
Tools and resources to reach new milestones
Accommodations available on request during the selection process