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.