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Job Description
Wealth Trust Services administers trust relationships within the Affluent Segment and is seeking a Senior Trust Officer to manage trust and investment accounts. This role oversees a portfolio of fiduciary relationships in accordance with governing documents, applicable law, U.S. Bank policies and procedures, and corporate and regulatory requirements. Accounts may include revocable and irrevocable trusts, charitable and special needs trusts, estates, agencies, custodial accounts, IRAs, and other fiduciary or investment accounts.
This client-facing role requires sound fiduciary judgment, strong relationship management, and the ability to navigate complex administrative, legal, tax, operational, and service matters. As the primary contact for clients, beneficiaries, attorneys, advisors, and internal partners, the Senior Trust Officer ensures each relationship is administered accurately, consistently, and in accordance with fiduciary obligations and client objectives.
Job Description
The Senior Trust Officer interprets governing documents, evaluates discretionary requests, identifies and addresses fiduciary risks, coordinates specialized resources, and resolves complex administrative matters. The role requires sound judgment, clear communication, and the ability to balance client experience, regulatory obligations, operational discipline, and risk management.
Working within a team-based service model, Senior Trust Officers partner with Portfolio Managers, Trust Associates, specialty asset teams, tax and legal professionals, operations teams, financial advisors, bankers, and other Wealth Management colleagues to deliver coordinated fiduciary solutions and a consistent client experience.
The Senior Trust Officer promotes relationship retention and growth by building strong client and beneficiary relationships, identifying opportunities to deepen existing relationships, supporting referrals and new business, participating in account acceptance and transition discussions, and delivering high-quality service throughout the client lifecycle.
The role also requires accurate documentation, timely system updates, strong data integrity, and adherence to established controls and procedures. Senior Trust Officers must identify emerging fiduciary, operational, financial, and reputational risks; escalate concerns appropriately; and contribute to process improvements, technology initiatives, and business continuity efforts that strengthen the trust administration platform’s effectiveness and scalability.
Core Responsibilities
• Fiduciary Administration: Administer assigned fiduciary and investment relationships in accordance with governing documents, applicable law, fiduciary standards, bank policies, and regulatory requirements. Apply sound judgment when interpreting trust provisions and fulfilling fiduciary responsibilities.
• Client and Beneficiary Experience: Build and maintain strong relationships with clients, beneficiaries, attorneys, accountants, advisors, and other stakeholders. Communicate proactively, responsively, and accurately to address concerns, manage expectations, and deliver a high-quality client experience.
• Complex Matter Escalation and Resolution: Assess and resolve complex administrative issues, discretionary matters, beneficiary concerns, family dynamics, trust terminations, account transitions, specialty asset matters, and other sensitive situations. Engage appropriate partners and document decisions in accordance with fiduciary and risk management expectations.
• Risk Management and Compliance: Identify, evaluate, and manage fiduciary, operational, regulatory, financial, and reputational risks across assigned relationships. Comply with applicable laws, regulations, bank policies, procedures, and fiduciary standards while maintaining complete and accurate documentation.
• Relationship Retention and Growth: Promote retention, asset growth, and relationship expansion by monitoring relationship health, identifying client needs, supporting business development and referrals, and partnering across Wealth Management to deliver additional solutions when appropriate.
• Team-Based Delivery and Partner Coordination: Collaborate with Portfolio Managers, Trust Associates, trust support and specialty asset teams, tax professionals, legal counsel, operations partners, financial advisors, and banking partners to provide coordinated fiduciary services and achieve client objectives. Share expertise and help advance fiduciary best practices across teams.
• Performance Management Information and Data Quality: Maintain accurate and timely account documentation, records, system updates, fiduciary reviews, service requests, correspondence, and management information. Keep all systems-of-record information complete, current, and accurate.
• Market Presence and Enterprise Representation: Maintain an active presence with assigned teams and markets. Articulate the capabilities and value of Wealth Trust Services, strengthen partnerships across Affluent Wealth Management, and represent the business in leadership forums and cross-functional discussions.
The above statements describe the general nature and level of work performed. They are not an exhaustive list of all responsibilities, duties, or skills required of employees assigned to this classification.
Required Qualifications
• Bachelor's degree or equivalent combination of education and relevant experience.
• Eight or more years of experience in trust administration, fiduciary services, wealth management, estate administration, or a closely related field.
• Demonstrated knowledge of fiduciary administration, governing-document interpretation, trust products and services, fiduciary risk, and applicable banking and regulatory responsibilities.
• Ability to foster a high-performing client focused culture.
• Demonstrated judgment and experience resolving complex client, beneficiary, administrative, operational, or risk matters through coordinated decision-making and clear documentation.
• Strong written and verbal communication, collaboration, analytical, critical-thinking, problem-solving and relational skills.
Desired Qualifications
• Advanced degree or applicable professional designation, such as CTFA, ATFA, CFP, or another relevant fiduciary, financial planning, legal, or risk credential.
• Extensive knowledge of fiduciary administration, trust and estate taxation, special needs trusts, charitable planning, estate settlement, fiduciary accounting, and related regulatory requirements.
• Experience with client retention, relationship growth, referral management, fiduciary administration, client care, presentation, management reporting, and process or technology change.
• Ability to influence across organizational boundaries and establish credibility with clients, beneficiaries, employees, senior leaders, attorneys, advisors, risk partners, and other internal and external stakeholders.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
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Healthcare (medical, dental, vision)
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Basic term and optional term life insurance
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Short-term and long-term disability
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Pregnancy disability and parental leave
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401(k) and employer-funded retirement plan
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Paid vacation (from two to five weeks depending on salary grade and tenure)
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Up to 11 paid holiday opportunities
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Adoption assistance
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Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,600.00 – 136,400.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.