Spot Treasury Management Leads
⚡ TL;DR
Claude enables Bank Tellers to identify high-value Treasury Management leads by analyzing transaction patterns and customer complaints. This workflow transforms loose observations into qualified referrals, increasing incentive pay without requiring deep technical product knowledge.
Identifying high-value referral opportunities is the fastest way for Bank Tellers to distinguish themselves and increase incentive payouts. However, spotting complex Treasury Management (TM) needs amidst a busy teller line is difficult without deep product knowledge. This workflow uses Claude to analyze transaction patterns and business behaviors, turning everyday interactions into qualified Treasury Management leads.
Why This Workflow Matters
Most Bank Tellers focus on transaction speed, missing subtle cues that indicate a business customer is struggling with cash flow or fraud risks. By using Claude to decode these triggers, you can confidently recommend high-value solutions like Remote Deposit Capture or Positive Pay. This workflow allows you to double your referral volume without memorizing complex product manuals.
Prerequisites
- A free account with Claude (Anthropic).
- A list of 3-5 recent interactions with business customers (anonymized/mental notes).
- Basic understanding of your bank's incentive structure (to know what counts as a referral).
- Compliance Warning: Never input real customer names, account numbers, or PII into AI.
Step-by-Step Guide
Step 1: Train Claude on Your TM Products
First, you need to establish a baseline. Claude creates better referral triggers if it understands what your specific bank offers. You will paste a summary of your Treasury Management products to create a context window.
Please act as a Senior Banking Consultant. Briefly explain the \"pain point\" each product solves for a business owner in one sentence per product. Then, tell me the one specific visual or verbal cue I would see at the teller line that indicates a need for each.
Step 2: Analyze Pseudo-Scenarios for Triggers
Now, use Claude to analyze observations from your day. Instead of guessing if a customer needs help, describe the scenario (generically) to Claude to see if a TM trigger exists.
Scenarios:
1. A restaurant manager depositing a large bag of cash and coins daily, complaining about the drive time.
2. A construction contractor writing 30+ physical checks for payroll every Friday.
3. A medical practice manager stressed about a recent check fraud attempt on their operating account.
Output a table with columns: Customer Type, Pain Point, Recommended Product, and One Conversational Question I should ask next time.
Step 3: Generate the \"Soft Ask\" Script
The hardest part of a referral is the transition from transaction to sales conversation. Use Claude to script natural, non-pushy openers that feel like service, not sales.
Target Audience: A small business owner who manually writes many checks.
Goal: Get them to agree to a 10-minute call with a TM specialist to discuss 'Positive Pay' and 'ACH'.
Tone: Helpful, observant, and time-saving. Avoid banking jargon. Focus on security and efficiency.
Step 4: Create a Cheat Sheet for Your Station
Ask Claude to condense this insight into a tiny reference guide you can tape to your monitor or keep in your drawer.
Column 1: \"If Customer Says/Does...\" (The Trigger)
Column 2: \"You Suggest...\" (The Product)
Column 3: \"The Hook\" (5-word benefit phrase).
Include triggers for: high check volume, late cash deposits, excess cash balances, and fear of fraud.
Pro Tips
- Batch Process Observations: Don't use Claude during a transaction. Jot down notes on a scratchpad and run the analysis during your lunch break or end-of-day balancing.
- Customize for Industries: Ask Claude specifically about industries common in your branch (e.g., "What are TM triggers for Dental Practices?").
- Roleplay Objections: Ask Claude, "If the customer says they are too busy to talk, what is a 1-sentence rebuttal that respects their time but emphasizes value?"
Common Mistakes to Avoid
- Inputting PII: Never type a customer's name, EIN, or account number into Claude. Always use generic terms like "Client A" or "The Construction Company."
- Overloading the Client: Don't try to sell the product yourself. Your only goal is to sell the appointment with the TM Officer. Use Claude to find the hook, not explain the technical specs.
- Ignoring Negative Triggers: Not all triggers are positive. Complaints about fees or slow processing are prime opportunities for TM reviews.
Frequently Asked Questions
Q: Can I use this workflow on a bank computer?
A: Most financial institutions block external AI tools on internal networks for security. Access Claude via your personal smartphone during breaks, keeping strict adherence to your bank's mobile phone policy.
Q: How accurate is Claude at spotting financial needs?
A: Claude is excellent at pattern recognition and matching problems to solutions. However, it relies on the quality of your description. It cannot see the customer's account balance, so it functions as a logic engine, not a financial advisor.
Q: Will this help me if I don't know what \"Treasury Management\" is?
A: Yes. In fact, this workflow is designed to bridge the knowledge gap. By asking Claude to explain products in simple terms (Step 1), you learn the banking concepts while generating the leads.
🎯 Key Takeaways
- Increase referral volume by 30%+ by spotting hidden triggers like high check volumes or manual reconciliation complaints.
- Shift from transactional processing to consultative banking without memorizing complex product manuals.
- Requires only a free Claude account and generic, anonymized observation notes.
