Trust Officer

About the job You will oversee the full lifecycle of trust accounts from onboarding through termination. You will conduct client onboarding reviews including identity verification and adverse media and sanctions screening, and perform risk-based assessments. You will serve as a key contributor in the account acceptance process, ensuring all new clients meet internal and regulatory standards prior to opening. You will collaborate with Compliance, Legal, and Risk teams to ensure adherence to AML, BSA, and trust policies during onboarding and account maintenance. You will maintain strong client relationships by providing responsive service, answering questions, and proactively addressing client needs throughout the customer journey. You will participate in trust distributions, review of trust documents, and implementation of account-specific instructions (discretionary and directed). You will perform annual and periodic trust account reviews to ensure compliance, documentation accuracy, and service consistency. You will maintain up-to-date knowledge of applicable laws, trust regulations, and trust products and services. You will escalate unusual account activity, complex asset types, or document deficiencies to internal stakeholders for review and resolution. Responsibilities Manage and oversee the full lifecycle of trust accounts under administration, from onboarding through termination. Perform client onboarding reviews (KYC), including identity/document verification, adverse media and sanctions screening, and risk-based assessments. Serve as a key contributor in the account acceptance process, ensuring all new clients meet internal and regulatory standards prior to opening. Collaborate with Compliance, Legal, and Risk teams to ensure adherence to AML, BSA, and trust company policies during onboarding and account maintenance. Maintain strong client relationships by providing responsive service, answering questions, and proactively addressing client needs throughout the customer journey. Participate in trust distributions, review of trust documents, and implementation of account-specific instructions (discretionary and directed). Perform annual and periodic trust account reviews to ensure compliance, documentation accuracy, and service consistency. Maintain up-to-date knowledge of applicable laws, trust regulations, and trust products and services. Escalate unusual account activity, complex asset types, or document deficiencies to internal stakeholders for review and resolution. Requirements Bachelor's Degree. An advanced degree or certification preferred. 4+ years of client-facing experience, with 1+ years in trust administration, wealth management, or financial services. Experience conducting KYC reviews and onboarding high-net-worth or institutional clients. Working knowledge of regulatory frameworks (BSA/AML, CIP, FATF guidance) and trust acceptance principles. Highly effective verbal and written communication skills, including ability to explain complex trust/account concepts to clients. Strong attention to detail and proficiency with spreadsheets, document review tools, and onboarding platforms (e.g., Persona). Proven ability to manage multiple client relationships with urgency, care, and accountability. Comfort working in a digital-first, fast-paced environment with evolving regulatory expectations.