Senior Personal Trust Officer

Thrivent

  • Appleton, WI
  • $130,210-176,167 per year
  • Permanent
  • Full-time
  • 23 days ago
We exist to help people achieve financial clarity. At Thrivent, we believe money is a tool, not a goal. Driven by a higher purpose at our core, we are committed to providing financial advice, investments, insurance, banking and generosity programs to help people make the most of all they’ve been given.At our core, we are a membership-owned fraternal organization, as well as a holistic financial services organization, dedicated to serving the unique needs of our clients. We focus on their goals and priorities, guiding them toward financial choices that will help them live the life they want today—and tomorrow.Job SummaryThe Senior Personal Trust Officer is responsible for the comprehensive administration of a high-volume portfolio of complex personal trust accounts, including revocable and irrevocable trusts, estates, guardianships, and conservatorships. This role operates in a fast-paced environment requiring exceptional attention to detail, strong organizational skills, and the ability to deliver high-touch client service while fulfilling fiduciary duties.As a trusted advisor, the Senior Personal Trust Officer builds lasting relationships with clients, beneficiaries, and professional advisors (e.g., attorneys, CPAs), ensuring compliance with all relevant trust and tax laws. The role also identifies opportunities to deepen client relationships and support business development.Success in this position requires deep expertise in estate planning, trust documents, account agreements, investment principles, and risk management. The officer collaborates closely with internal teams (Compliance, Investments, Operations) and external advisors to deliver timely and risk-aware administration.Beyond day-to-day account management, the Senior Personal Trust Officer proactively anticipates client needs, resolves complex issues, and navigates sensitive family dynamics—offering strategic guidance aligned with clients’ long-term financial and estate planning goals. This role is essential to safeguarding the organization's fiduciary responsibilities while contributing to its growth and profitability.Job Responsibilities and Duties
  • Administer a portfolio of complex and high-value personal trust, estate, and terminating trust accounts in accordance with governing documents, instrument and bank policies and Federal and State laws and regulations.
  • Review estate planning documents in accordance with the new account acceptance process and discretionary distribution process.
  • Fulfill duties of a Conservator or Guardian in accordance with directions of the Court, State Laws, governmental agencies and within Thrivent Trust Company policies and procedures.
  • Manage appropriate risk management of assigned accounts in compliance with company policies and procedures.
  • Oversee preparation of applicable tax returns (income and death tax) for assigned accounts.
  • Collaborate with portfolio managers, operations, team members and strategic partners to deliver integrated wealth management solutions.
  • Support business development including identification of cross-sell opportunities, enhancement of existing and potential client and co-fiduciary relationships, and cultivation and maintenance of relationships with centers of influence (Corporate Sales Team, FRs, attorneys, certified public accountants, etc.).
  • Act as a technical resource to colleagues within and outside of the Personal Trust & Estate Settlement team.
  • Coordinate the collection, valuation, and distribution of estate assets and trust income.
  • Conduct regular account reviews to ensure the trust is being administered in accordance with the governing instrument and ensure proper documentation and reporting.
  • Act as a fiduciary, ensuring compliance with all regulatory and legal requirements including trust and tax laws.
  • Serve as a member of the Trust and Estates Management Subcommittee and other committees as appointed.
  • Stay current on developments in federal and state trust regulations, tax laws, fiduciary best practices and account for impacts in your operations from any changes.
  • Mentor and lead other Trust Officers and Specialists relative to operational requirements and workflow processes.
  • Model Thrivent’s leadership competencies – Model the Way, Rally the Team, and Deliver Outcomes. ​
  • Support and/or develop an environment in which Thrivent employees and colleagues are focused on continuous improvement, exceptional employee engagement, and an unwavering commitment to our clients. Shape and/or support a culture that represents the Thrivent purpose, promise and values, ensuring that Thrivent’s trust and reputation remain strong with its clients.
Job QualificationsRequired:
  • Bachelor's degree in Business, finance, accounting, or related field.
  • Completion of Juris Doctor Degree.
  • 10+ years of trust administration, estate planning, estate settlement, tax or related experience with direct client interaction.
  • Deep knowledge of personal trust, legal, accounting, tax, regulatory and investment concepts as they apply to estate and trust administration.
  • Proven ability to interpret legal documents and administer a wide range of fiduciary accounts.
  • Thorough knowledge of discretionary distribution analysis, estate planning, compliance, IRAs and tax concepts.
  • High degree of ethics, judgment, and discretion in handling confidential information.
  • Strong client relationship management skills to work with current and prospective clients, referral sources and strategic partners to meet client and department goals.
  • Strong understanding of investment principles and portfolio management as they relate to personal trust administration.
  • Highly organized and goal-oriented self-starter who can work in an unstructured environment with minimal supervision.
  • Excellent verbal and written communication skills with the ability to discuss and present complex concepts clearly and professionally.
  • Proficient in trust accounting and administration systems and Microsoft Office Suite.
Preferred:
  • Trust and/or estate law practice experience.
  • CTFA, CPA, CFP®, or other relevant professional designation.
  • Familiarity with fiduciary software platforms such as SEI, FIS, or TrustDesk.
  • Effective team player with ability to establish positive working relationships across departments.
  • Ability to effectively prioritize workflow and manage multiple priorities.
  • Ability to influence without authority.
  • Demonstrated leadership and mentoring skills.
  • Seek continued development of fiduciary and advisory skills through training and experience.
Additional Information
  • This position allows a flexible work arrangement meaning you may work on-site and/or remotely from the Minneapolis, MN or Appleton, WI area.
Pay TransparencyThrivent’s long-term growth depends on attracting, rewarding, and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract, reward, and retain top talent. The applicable salary or hourly wage range for this full-time role is $130,210.00 - $176,167.00 per year, which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important.Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits.The following benefits may be offered: various bonuses (including, for example, annual or long-term incentives); medical, dental, and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; well-being benefits, and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivent’s plans/policies are subject to change at any time at Thrivent’s discretion.Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants.Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to or call 800-847-4836 and request Human Resources.

Thrivent