Deeper understanding leads to better outcomes
We have the opportunity—you bring it to life
Our company was built on long-lasting relationships and trust—earned through an unshakable foundation and shared success. A steadfast commitment to honor runs through everyone in our organization.
Our promise is that we will learn your unique business needs—in depth—and tailor solutions specifically for those needs, intent on helping you grow and prosper.
We invite you to follow along for the latest news and information about SMBC Group in the Americas. Our journey is a long one, steeped in history and innovation to help build a sustainable future. Here you will find the latest about the company and see how we connect to the world around us. Our experts have the industry experience and understanding of world markets, economies, and regulations to put it all in perspective. Our clients are on the leading edge, and we help them achieve their purpose. You can read about it here.
Finance fuels the world and we are at the forefront of making our clients’ projects and ambitions a reality. As an international team of passionate financial experts, we have a place for both experienced professionals and those beginning their careers.
When it comes down to it, one of our greatest differentiators is our people. Our people strategize and implement unique solutions—nothing pre-packaged for our clients.
Joining SMBC Group in the Americas feels like coming home for a lot of people. It is an environment where all are respected, teams work together to support one another, and clients get products and services designed just for them.
Get hands-on experience and an inside look at an exciting career in global finance. Our summer intern and analyst programs are designed for rising seniors and recent graduates with diverse backgrounds and skill sets.
SMBC Group in the Americas is consistently recognized as a leader in the world of finance for our outstanding service and growth.
We value partnerships and build relationships that last. The collaborative nature of our people and their determination to deliver for you—our clients—has been a pivotal part of our success.
A company's leadership has a decisive moment when it decides what it is going to stand for and what values will be upheld. It is upon that which the culture is built. We stand for investing in our people and our world. Honor is at our core and with that, prosperity has meaning — all of our people stand behind that promise.
It’s not enough to merely tolerate differences. At SMBC Group in the Americas, we value and celebrate the diversity of our people. We know that every individual helps determine who we are as a whole.
Each business has unique goals, and no two paths are the same. Our advisors tailor investment solutions that meet short-term needs while remaining focused on long-term plans.
SMBC Group in the Americas is consistently recognized for our business, sustainability, and being an inclusive workplace. Our people make all of this happen on behalf of our clients and ourselves.
SMBC offers end-to-end solutions for payment processes and cash management needs. Our experts combine industry insights with technology to streamline your day-to-day operations and achieve your financial goals—all while mitigating risk.
Our analysts, economists, and strategists create timely, in-depth analyses of companies, industries, markets and economies.
Throughout our history, SMBC Group has been a responsible corporate citizen. As a financial institution, we’ve always understood the role we play in building and sustaining a safer and better world.
Our U.S. Chief Economist adds color to the landscape of world economics. He has unparalleled experience in helping clients navigate the ever-changing global financial environment. Coupled with our deep industry expertise, his analysis and commentary strike the right balance to provide unique thinking and insights to clients who must make daily decisions that impact their businesses, customers, employees, and communities.
In the Americas, we are powered by more than 4,000 dedicated industry experts. We work to deliver comprehensive financial solutions to institutions in seven countries across the Americas.
Our role is to ensure you, as the client, have the most up-to-date information and analysis on what’s happening in the world and its markets. With the team we have assembled, you are assured the best perspective into the world in which you do business.
In a world of constant change, it is refreshing to deal with a stable partner whom you can trust to be there for you. We are that institution—400+ years old, with a storied history of supporting our valuable clients. On this rich legacy, we have built a modern, global business, supporting our clients’ needs around the world with bespoke service. Our strength in Transaction Banking is our ability to offer an extensive banking network worldwide, to meet clients’ needs in specific markets of choice.
We understand that not every client fits into a standard, cookie-cutter solution, so we work to provide customized, tailor-made global liquidity and cash management services to support a diverse set of clients. We are committed to Transaction Banking, with hundreds of staff members positioned around the globe, ready to support your business.
We provide solutions for cash management and payment processing that help you easily collect, view, automate, and control your cash in a secure and timely manner to optimize your global cash positions. We offer standard as well as customized solutions to support you, including:
For large-value-fund transfers that need same-day attention, including investments, foreign exchange, and third-party settlements, our Wire Transfer solution allows for fast and efficient domestic and international payment processing. We also provide real-time tracking features that give you transparency into the status of your payments and generate confirmations when transfers are completed.
For cost-efficient, high-volume payments to vendors, tax authorities, or employees, our ACH service securely facilitates single or batch electronic disbursements in a quick and transparent manner. We support future-dated and same-day payments and collections.
Controlled Disbursement is designed to improve cash management by minimizing disbursement risk, reducing borrowing requirements, and taking advantage of investment opportunities with minimal administrative involvement. Paired with our other risk-mitigating features, such as Positive Pay and Payee Positive Pay, Controlled Disbursement helps reduce the occurrence of fraudulent activity.
Our Commercial Card service provides you the flexibility to issue credit cards to employees, which they can use for things like purchasing supplies and booking services, as well as travel and entertainment expenses. This service helps corporate clients simplify and gain visibility into their expense management, while realizing additional discounts from early-payment terms.
Our clients benefit from the protection of Positive Pay, an automated check-matching service that mitigates check-fraud risk and facilitates account reconciliation. For additional risk mitigation, Payee Positive Pay allows you to include payee information as a data element. All incoming checks are reviewed and paid only when every data element is matched with the information you provide. Checks that do not match the information you provide are flagged as exceptions for you to analyze further.
Our team understands the challenges you face and provides a variety of receivables solutions to help you meet your objectives. Our products include:
EBPP provides the ability to distribute bills, process payments, track, and reconcile billing from a uniquely branded, easy-to-use, centralized portal on our client’s website. Any payments made via your website will automatically credit to your SMBC-linked account. Multiple payment methods and types are supported for the convenience of everyone, including your valuable customers and vendors.
Our Lockbox services help you to streamline receivables and reduce risk, with a national network of collection sites and automated data capture with online archives of images. Automatic escalation and exception management, combined with consolidated reporting, allow for transparent and easy management of receivables.
With Remote Check Deposit, you can quickly process high volumes of checks from the convenience of your office, by optically scanning and transmitting the images to us, where they are processed and cleared. This solution helps reduce per-deposit costs and provides you the flexibility to increase volumes and more quickly process receivables.
Various liquidity management solutions are offered to optimize cash balances and put surplus funds to work. We provide liquidity services for corporate customers across the Americas, with tools to manage liquidity positions. It provides companies with a means to centralize control of cash positions, leading to maximizing the use of idle cash balances.
Our Global Cash Pooling solution allows clients to centralize excess cash into a single account automatically, to manage it more efficiently. This enables clients to better understand group companies’ liquidity needs and provides opportunities to invest excess funds in interest-earning products. Cash pooling helps you make the most of your money, with funds automatically swept between your designated subsidiary accounts and main pooling accounts at the end of each day.
To provide clients with precise control of funds and automated balance transfer, Zero Balance Accounts sweeps ending balances to a central account, where they can be better managed, earn interest, or cover overdrafts. Zero Balance Accounts help efficiently manage multiple accounts across regions, and various institutions, reducing costs and risks while yielding cash management benefits.
We provide you with a range of digital solutions tailored to meet your business needs. These options include:
Our Direct Transmission or host-to-host solution enables you to send and receive files securely in industry-standard file formats, to connect you to your preferred enterprise resource planning or treasury management system.
Manage your cash virtually and make real-time business decisions securely through E-Moneyger®—our corporate online banking portal with tailored reporting features and fund-transfer capabilities.
As a member of the SWIFT network, we help you make payments and receive banking information via SWIFT’s messaging platform. This facilitates streamlined communication with multiple banking partners through a consolidated, secure, and standard communication channel. And with the implementation of SWIFT GPI, our team is ready to provide you enhanced capabilities for status, tracking, and confirmation.
We work with our clients to identify and customize global liquidity and cash management services to support your specific business needs.
Please provide our team with the necessary information below to help us respond with the appropriate information from one of our Cash Management Services team members.
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