Bilingual Account Specialist – Medium Value at Risk (MVAR)

BMO U.S.

. Review and evaluate delinquent, medium-risk accounts for possible collections opportunities .

Posted 10/28/2026full-timeRemote • CanadaJuniorMid-Level💰 CA$40,500 - CA$80,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Consumer Collections, including knowledge of relevant laws and BMO products, while effectively managing customer relationships and executing loss mitigation strategies. Strong analytical and problem-solving skills are essential for providing insights and recommendations to improve processes.

Highest-signal resume keywords

Consumer Collections KnowledgeLoss Mitigation StrategiesAnalytical SkillsCustomer Relationship ManagementRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collections StrategiesPayment StrategiesData AnalysisTransaction ManagementDocumentation Accuracy

Soft Skills

Verbal CommunicationWritten CommunicationOrganizational SkillsCollaboration SkillsProblem-Solving Skills

Industry Keywords

Federal LawsState LawsLocal LawsBMO ProductsCompetitive Marketplace

About the role

Key responsibilities & impact

Review and evaluate delinquent, medium-risk accounts for possible collections opportunities
Understand customer needs and provide collections-related sales and service
Advise customers on payment strategies and products
Fulfill sales and service activities in accordance with approved procedures
Provide coaching and training, conduct quality audits, manage vendors, and handle credit collection disputes as needed
Deliver exceptional customer service and build trusted client relationships
Contact customers to obtain information required to manage applications and communicate payment status/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
Serve as a support contact/resource/coach for Consumer Collections personnel
Analyze data and information to provide insights and recommendations
Manage transactions related to customer calls or refer matters to appropriate internal business groups
Escalate complex or unresolved customer situations to managers
Complete documentation and organize work information accurately
Participate in 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
Maintain current knowledge of collections strategies, practices, trends, products, services, industry best practices, and regulatory requirements
Support continuous improvement initiatives
Analyze issues and determine next steps
Complete complex and diverse tasks within established rules and limits
Make sound, risk-informed decisions aligned with business strategy and approved risk appetite

Requirements

What you’ll need

Typically 2–3 years of relevant experience
Post-secondary degree in a related field of study desirable, or an equivalent combination of education and experience
Knowledge of federal, state/provincial and local laws pertaining to Consumer Collections and the functional area
Knowledge of BMO products and services
Knowledge of the competitive marketplace and trends in product offerings
Specialized knowledge
Good verbal and written communication skills
Good organization skills
Good collaboration and team skills
Good analytical and problem-solving skills
Ability to maintain confidentiality of customer and Bank information
Ability to apply BMO’s Risk Management Framework and comply with applicable policies, laws and regulations

Benefits

Comp & perks

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
Performance-based incentives
Discretionary bonuses
Other perks and rewards
In-depth training and coaching
Manager support
Network-building opportunities
Accommodations available on request during the selection process