The position serves as a trusted advisor to small business clients by delivering advanced treasury management, merchant service and fraud-mitigation solutions to sophisticated business clients and prospects. Managing a portfolio of complex clients, the role provides leadership across the retail network by coaching bankers as a subject matter expert to elevated cash-flow conversation. The Specialist 3 works on strategy initiatives requiring advanced understanding while advising clients to streamline revenue cycles, mitigate risk, and strengthen financial stability. Primary Responsibilities:Lead Advanced Cash-Management Conversations with Small Business Clients: Conduct in-depth consultations with business clients to understand their revenue cycles, payment-collection challenges, working-capital needs, and overall cash-flow patterns. Analyze operational workflows related to billing, invoicing, payment processing, receivables posting, and financial-operations management. Deliver Complex Payment and Treasury Solutions: Position advanced payment and treasury tools and Recommend treasury products that support day-to-day business operations. Ensure clients understand onboarding processes, adoption strategies, compliance implications, and security requirements associated with payment and treasury products. Strategic Engagement with Teams & Cash-Management Specialists: Lead by driving strategic discussions for complex client-needs assessments. Reinforce sales excellence through sales processes, CRM utilization, and data-driven portfolio management. Champion best-practices across the network, fostering a culture of improvement and proactive opportunity identification. Support Growth of Strategic Client Relationships: Identify high-value opportunities within the client portfolio—such as expansion plans, staffing growth, capital investment, or operational upgrades. Deepen relationships with established clients by uncovering additional operational, financial, and strategic needs. Collaborate with Internal Sales, Product, and Treasury Partners: Partner closely with Treasury Management, Merchant Services, Credit, and product-specialist teams to deliver fully integrated client solutions. Share insights from client interactions to support product refinement and strategic planning. Performs other related duties and projects as assigned. All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F. N. B. Corporation’s risk management program. F. N. B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions. Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:BA or BS - Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:5 Skills Required to Perform the Primary Responsibilities of this Position:Excellent communication skills, both written and verbal. Excellent customer service skills. Excellent organizational, analytical and interpersonal skills. Ability to work and multi-task in a fast paced environment. Ability to use a personal computer and job-related software. MS Word - Intermediate Level. Detail-oriented. MS PowerPoint - Intermediate Level. Experience in a related position Knowledge and understanding of Treasury management and merchant processes is preferred. Licensures/ Certifications Required to Perform the Primary Responsibilities of this Position:Certified Treasury Professional or comparable certification required. Physical Requirements or Work Conditions Beyond Traditional Office Work:N/ A Equal Employment Opportunity (EEO):It is the policy of F. N. B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace. FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.