Sonya K. Kloos
Crystal,USA
Overview
23
23
years of professional experience
Work History
AVP, Commercial Product Management
Bridgewater Bank
St. Louis Park, MN
12.2024 - Current
- Led commercial banking strategy and operations, enhancing product innovation and modernizing treasury and digital channels.
- Partner with stakeholders to define product vision, strategic priorities, scope, and roadmap planning.
- Contributed as core team member for consumer and small business launch of Alkami digital banking platform, coordinating UAT, money movement, and go-live readiness.
- Provided leadership for modernization of Bridgewater’s corporate online banking platform, overseeing UAT strategy, pilot execution, and development of end-user resources and training readiness.
Director, Commercial Product Management
Bridgewater Bank
St. Louis Park, MN
12.2021 - 12.2024
- Led multiple treasury transformation initiatives, including the migration of all business accounts to the Weiland Account Analysis system, modernization of commercial online banking middleware, and launch of a new treasury management risk review system.
- Led and developed a high-performing team of product analysts supporting enterprise-wide digital and commercial banking initiatives.
- Managed daily operations for treasury management products, ensuring compliance with regulatory requirements and internal policies.
- Facilitated a nationwide user group for the Commercial Center online banking platform, driving collaboration, feedback sharing, and product enhancement discussions across institutions.
- Served as primary owner for the ACH origination segment of the annual ACH audit, coordinating documentation, evidence gathering, and remediation planning across Treasury Operations.
Commercial Product Manager
Bridgewater Bank
St. Louis Park, MN
12.2019 - 12.2021
- Successfully launched multiple treasury services — including Direct Send ACH, Check Positive Pay, and Remote Deposit Capture — ensuring seamless implementation and adoption through cross-department collaboration.
- Key contributor to major Fiserv implementations including Commercial Center Corporate Online Banking, PEP+ ACH Processing, and Weiland Account Analysis.
- Developed and implemented release management protocols to improve deployment quality, risk mitigation, and operational efficiency.
Business Services Manager
Bridgewater Bank
St. Louis Park, MN
12.2016 - 12.2019
- Built the foundational structure of the treasury management operations team, establishing clear roles, processes, and operational alignment across implementations, support, risk, and product operations.
- Established the annual review process for high-risk treasury products (ACH, RDC, Wires), strengthening risk controls and supporting regulatory compliance.
- Partnered with commercial bankers and lenders in client-facing meetings to introduce treasury capabilities and support business needs.
- Oversaw onboarding of commercial clients to corporate online banking platform, ensuring accurate entitlements and tailored training for secure and effective adoption.
- Provided leadership and operational oversight to Treasury Operations, ensuring timely resolution, strong client service, and consistent performance standards.
- Coordinated and co-led Fiserv Premier user group, fostering collaboration and addressing operational challenges through shared solutions among financial institutions.
Cash Management Specialist
Bridgewater Bank
St. Louis Park, MN
07.2013 - 12.2016
- Supported clients and internal teams by providing expertise in ACH origination, RDC, positive pay, wire transfers, and online banking tools to ensure seamless transactions.
- Enhanced ACH audit controls, strengthening regulatory compliance and mitigating operational risk.
- Obtained Accredited ACH Professional (AAP) designation to enhance expertise in ACH transactions.
- Developed operational procedures that standardized workflows and clarified processes for the product team.
Cash Management Specialist
Sunrise Banks
St. Paul, MN
03.2011 - 07.2013
- Provided online banking and cash management support for products including Bill Pay, ACH, RDC, Positive Pay, and online wires.
- Managed and monitored ACH customer activity.
- Enrolled new business clients in online banking using the ITI system.
- Created and maintained detailed work manuals.
Wire Transfer Administrator
Sunrise Banks
St. Paul, MN
08.2008 - 03.2011
- Monitored and managed incoming and outgoing wire activity to ensure accurate processing and compliance.
- Provided wire transfer support and conducted investigations to resolve discrepancies and enhance service quality.
- Managed daily cash position and ensured correspondent accounts were properly funded.
- Executed fund assignments and reconciled wire-related accounts to maintain accurate financial records.
Customer Service Representative
Mainstreet Bank
Minneapolis, MN
08.2007 - 08.2008
- Provided customer service through email, phone, and in-person interactions, addressing inquiries and resolving issues.
- Facilitated promotion of banking products and services to customers, enhancing customer engagement.
- Managed opening and closing of consumer and commercial accounts, ensuring accurate documentation.
Customer Service Representative
EastBank
Minneapolis, MN
05.2005 - 08.2007
- Processed non-posts, returns, stop payments, and NSF items to ensure accurate account management.
- Reconciled internal and correspondent accounts daily.
- Assisted with account opening and closing to enhance customer satisfaction and streamline onboarding.
- Managed cash position and monitored wire activity to maintain financial integrity and support operational efficiency.
Teller
EastBank
Minneapolis, MN
09.2003 - 05.2005
- Managed large cash volumes, maintaining quality control to safeguard financial integrity.
- Balanced ATM cash to prevent discrepancies and enhance operational efficiency.
- Processed tax payments, filing CTRs and SARs accurately and punctually to ensure compliance.
Skills
- Product Management & Strategy
- Commercial & Digital Banking Platforms
- Treasury Management
- Regulatory Compliance & Risk Management
- ACH Operations & Risk
- Project & Program Leadership
- Operational Efficiency & Process Design
- Team Leadership & Talent Development
- Relationship Building & Cross-Functional Collaboration
- Creative Problem Solving & Action Planning
Specialized Product Knowledge
- 20+ years of experience with Fiserv
- Expertise across consumer and commercial digital banking platforms: Fiserv Retail & Business Online, Commercial Center, Alkami, CheckFree, Zelle, PEP+, Payments Exchange, File Exchange, WebConnect, BAI2
- Weiland Account Analysis
- Treasury risk tools including PIQS
Timeline
AVP, Commercial Product Management
Bridgewater Bank
12.2024 - Current
Director, Commercial Product Management
Bridgewater Bank
12.2021 - 12.2024
Commercial Product Manager
Bridgewater Bank
12.2019 - 12.2021
Business Services Manager
Bridgewater Bank
12.2016 - 12.2019
Cash Management Specialist
Bridgewater Bank
07.2013 - 12.2016
Cash Management Specialist
Sunrise Banks
03.2011 - 07.2013
Wire Transfer Administrator
Sunrise Banks
08.2008 - 03.2011
Customer Service Representative
Mainstreet Bank
08.2007 - 08.2008
Customer Service Representative
EastBank
05.2005 - 08.2007
Teller
EastBank
09.2003 - 05.2005