Director of Consumer Banking Network & ATM Distribution

Consumer Banking Director

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. The role drives client experience, network optimization, and the introduction and management of Denova locations, ensuring our associates deliver exceptional service in innovative environments.

Key Responsibilities

• Physical / ATM Distribution
• Develop and manage the strategic footprint of bank-owned and partner ATMs to optimize accessibility for 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 clients.
• Monitor industry trends and client expectations to propose innovative approaches for the future of physical presence.
• Denova Locations
• Identify opportunities for Denova locationssuch 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 effortsdelivering 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.

Benefit Highlights

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

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

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