Director of Consumer Banking Network & ATM Distribution

First Horizon Bank; Miami (FL); On-site; USD 120,000 - 150,000; Full time

Job summary

A leading regional financial services provider is seeking a Consumer Banking Director to oversee the operations of their physical banking centers across multiple locations, including Miami, FL. The role emphasizes the modernization of these centers and enhances client engagement through innovative strategies. Applicants must have extensive experience in banking operations and possess strong leadership and strategic planning skills.

Benefits

Medical, dental, and vision benefits

401(k) with company match

Maternity and parental leave

Tuition reimbursement

Qualifications

• 10+ years of progressive responsibility in branch banking or retail network strategy.
• Proven experience with branch modernization and ATM optimization.
• Strong communication and analytical abilities.

Responsibilities

• Manage the strategy and operations of physical banking centers.
• Oversee ATM distribution and modernization initiatives.
• Drive client experience and network optimization.

Skills

Project management

Strategic thinking

Client relationship management

Team leadership

Market analysis

Education

Bachelor's degree in Business or Finance

Master's degree (preferred)

Job description

Overview

Location: On site in Memphis, TN, Charlotte, NC, Raleigh, NC, Nashville, TN, Birmingham, AL, New Orleans, LA, or Miami, FL.

The Consumer Banking Director is responsible for leading and executing the strategy and operations of First Horizon Bank’s physical banking centers, including ATM distribution and modernization initiatives. This role drives client experience, network optimization, and the introduction and management of Denova locations, ensuring our associates deliver exceptional service in innovative environments.

Responsibilities

• Physical/ATM Distribution
  • Develop and manage the strategic footprint of bank-owned and partner ATMs to optimize accessibility for our clients.
  • Analyze market trends and client patterns to determine location needs and oversee deployment, relocation, or removal of ATM units.
  • Partner with technology and vendor teams to ensure reliability, security, and regulatory compliance of all ATM devices.
• Physical Banking Center Management
  • Oversee the operational performance, staffing, and client experience in all physical banking centers, ensuring alignment with First Horizon Bank’s standards.
  • Establish best practices for in-person service, integrating associate feedback and driving a culture of continuous improvement.
  • Lead the modernization of brick-and-mortar centers, enhancing amenities, technology, and layout to meet evolving client needs.
• Modernization & Innovation
  • Drive the implementation of modernization projects, including technology integrations, self-service solutions, and refreshed physical spaces.
  • Champion initiatives to digitize services and streamline processes, balancing high tech and high touch for our clients.
  • Monitor industry trends and client expectations to propose innovative approaches for the future of physical presence.
• Denova Locations
  • Identify opportunities for Denova locations—such as new concept banking centers, pop-up branches, or specialized service sites.
  • Oversee end-to-end project management for Denova launches, including site selection, design, staffing, and marketing.
  • Assess performance and impact of Denova sites, iterating strategy based on associate and client feedback.
• Strategic Leadership & Compliance
  • Collaborate with cross-functional teams (Real Estate, Technology, Marketing, etc.) to roll out network adjustments and new initiatives effectively.
  • Ensure all physical locations comply with applicable banking regulations, safety standards, and accessibility requirements.
  • Lead, coach, and develop associates to achieve business goals and deliver outstanding client service.

Qualifications

• Bachelor’s degree in Business, Finance, or related field required; Master’s preferred.

• 10+ years of progressive responsibility in branch banking, retail network strategy, or relevant leadership roles.

• Proven experience with physical branch modernization and ATM network optimization.

• Strong project management skills and ability to lead cross-functional teams.

• Excellent communication, analytical, and strategic thinking abilities.

Success Factors

• Visionary leadership with an ability to drive change and create a culture of innovation and excellence among associates.

• Deep understanding of client behaviors and needs related to banking locations and services.

• Proactive management of modernization efforts—delivering tangible results for associates and clients.

About Us

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation’s best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.

Benefits

• Medical with wellness incentives, dental, and vision

• HSA with company match

• Maternity and parental leave

• Tuition reimbursement

• Mentor program

• 401(k) with 6% match

• More — FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Follow Us

Facebook: https://www.facebook.com/FirstHorizonBank

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LinkedIn: http://www.linkedin.com/company/first-horizon-bank

Instagram

YouTube: https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209_-Q

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor: https://www.eeoc.gov/poster