Senior Estate Settlement Officer at Fifth Third Bank

Cincinnati, Ohio, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bachelor’s degree required; advanced degree or professional designation (e.g., JD, CPA, CTFA) preferred
Minimum 8-10 years of experience in fiduciary administration, estate settlement, or related legal/tax advisory roles
Proven experience managing complex estates and high-net-worth client relationships
Advanced proficiency (typically from 7 years of work or practical experience) in advanced estate planning expertise, including deep knowledge of estate planning structures, probate law, and fiduciary principles
Advanced proficiency in strategic thinking & analysis, including ability to assess legal, financial, and tax implications across multi-faceted estate structures
Advanced proficiency in executive communication, including navigating sensitive conversations and delivering clear, confident guidance to clients and advisors
Advanced proficiency in leadership & mentorship, including experience guiding junior team members and fostering a culture of fiduciary excellence
Advanced proficiency in technical skills, including Microsoft Office Suite and internal platforms such as CRM, ShareFile, and estate workflow tools

Responsibilities

Lead the interpretation and execution of complex estate planning documents, including multi-generational trusts, family partnerships, and charitable structures
Oversee asset analysis and administration to ensure liquidity, tax efficiency, and proper allocation of income, expenses, and liabilities
Guide estate planning decisions through review of tax filings, asset valuations, and legal documentation
Serve as primary fiduciary contact for high-net-worth beneficiaries, family offices, attorneys, and tax professionals
Manage sensitive family dynamics and complex relationships with discretion and empathy
Partner with internal teams (WMAs, STAs, SIAs, UAs) to deliver coordinated and proactive client service
Direct probate proceedings, legal filings, and statutory deadlines for complex estates
Oversee preparation and filing of federal and state estate tax returns; lead tax planning strategies across multiple tax years and jurisdictions
Review and execute legal documents related to probate, litigation, and fiduciary accounting
Make high-level fiduciary decisions regarding distributions, reserves, and estate closure timing
Identify and escalate complex risk, ethical, or discretionary matters; manage litigation in collaboration with counsel
Serve as escalation point for fiduciary decisions made by Estate Officers and Associates
Lead estate tracking workflow and ensure completion of all required tasks across multiple estates
Finalize estate settlement fees and ensure CRM reflects fee opportunities and billing accuracy
Draft and review internal forms and correspondence; oversee document handling and execution
Hire, manage, and evaluate external vendors; provide oversight and guidance to Estate Settlement Officers and Associates

Skills

Estate Planning

Trust Administration

Probate Administration

Estate Tax Preparation

Asset Valuation

Fiduciary Management

Tax Planning

Legal Document Review

Client Relationship Management

Probate Proceedings

Fifth Third Bank

Provides banking, loans, and wealth management services

About Fifth Third Bank

Fifth Third Bank offers a variety of financial services, including personal and business banking, loans, mortgages, credit lines, and insurance products. Their services cater to individual consumers, small businesses, and commercial clients, providing comprehensive solutions for managing finances. The bank generates revenue through interest on loans, service fees, and commissions from insurance and investment products. Unlike many competitors, Fifth Third Bank emphasizes community engagement and financial education, providing resources to help clients improve their financial literacy. The goal of Fifth Third Bank is to support clients in achieving their financial objectives while fostering a strong connection with the communities they serve.

Cincinnati, OhioHeadquarters

1858Year Founded

IPOCompany Stage

Social Impact, Financial ServicesIndustries

10,001+Employees

Benefits

Health Insurance

Paid Sick Leave

Paid Holidays

Performance Bonus

Flexible Work Hours

Risks

Rising interest rates may decrease demand for loans and mortgages.

Competition from fintechs like Robinhood threatens Fifth Third's wealth management sector.

Sophisticated cybersecurity threats pose risks to customer data and trust.

Differentiation

Fifth Third Bank offers comprehensive financial solutions for individuals and businesses.

The bank emphasizes community engagement and financial education for client empowerment.

It provides a wide range of insurance products, including life, health, and disability.

Upsides

Increased demand for digital banking boosts Fifth Third Bank's online service offerings.

Partnerships with fintech enhance technological capabilities and customer experience.

Growing interest in sustainable finance attracts environmentally conscious customers.

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