Trust Officer Resume examples & templates

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Copyable Trust Officer Resume examples

Ever wondered who's behind the careful management of multi-million dollar estates or the protection of family legacies that span generations? Trust Officers sit at the intersection of finance, law, and relationship management – acting as fiduciaries who balance client needs with regulatory requirements in an increasingly complex financial landscape. With high-net-worth individuals expected to transfer more than $68 trillion in assets to younger generations by 2030, the demand for skilled Trust Officers who can navigate both wealth preservation and family dynamics has never been greater.

Trust work has evolved dramatically from its origins in basic asset management. Today's Trust Officers need expertise in everything from alternative investments to digital assets, while simultaneously serving as a steady hand during emotionally charged family situations. The field attracts professionals from diverse backgrounds – former attorneys, financial advisors, and accountants who share a common interest in building long-term client relationships. As wealth transfer accelerates and financial products grow more sophisticated, Trust Officers who can blend technical knowledge with genuine interpersonal skills will find themselves at the forefront of this rewarding career path.

Junior Trust Officer Resume Example

Melissa R. Chadwick

San Diego, CA | (619) 455-2871 | melissa.chadwick@email.com | linkedin.com/in/melissarchadwick

Detail-oriented Trust Officer with 1+ year of experience supporting trust administration and estate planning processes. Strong foundation in fiduciary responsibilities combined with excellent client relationship skills. Quick learner who thrives in collaborative environments while maintaining meticulous attention to financial details. Seeking to leverage my banking background and legal knowledge in a growth-oriented trust department.

EXPERIENCE

Junior Trust Officer – Coastal Pacific Banking Group, San Diego, CA
June 2022 – Present

  • Manage a portfolio of 75+ trust accounts with assets totaling $12.4M, serving as primary point of contact for beneficiaries
  • Review and process trust distributions, ensuring compliance with trust documents and maintaining detailed records of all transactions
  • Collaborate with investment team to monitor portfolio performance and prepare quarterly client statements
  • Draft routine trust correspondence and prepare documentation for annual trust reviews
  • Participate in 8-person working group to improve trust onboarding process, reducing setup time by 31%

Trust Services Assistant – Coastal Pacific Banking Group, San Diego, CA
January 2022 – June 2022

  • Supported 3 Senior Trust Officers with administrative duties, including scheduling, document preparation, and client communication
  • Processed routine trust distributions and bill payments following established procedures
  • Maintained accurate records in trust accounting system and prepared basic reports
  • Responded to basic client inquiries and escalated complex issues to appropriate personnel

Personal Banking Representative – First Community Bank, La Jolla, CA
May 2021 – December 2021

  • Opened new accounts and cross-sold banking products while providing exceptional customer service
  • Identified potential wealth management clients and facilitated introductions to trust department
  • Processed routine banking transactions and resolved customer service issues

EDUCATION

Bachelor of Science in Business Administration, Finance Concentration
San Diego State University, San Diego, CA – May 2021
GPA: 3.7/4.0

Certifications:

  • Cannon Financial Institute – Personal Trust Fundamentals (In progress, completion expected Sept 2023)
  • California Notary Public Commission (2022)
  • Series 6 Investment License (2021)

SKILLS

  • Trust Administration
  • Estate Planning Basics
  • Fiduciary Responsibilities
  • Client Relationship Management
  • Trust Accounting Software (SEI Trust 3000)
  • Microsoft Office Suite (Excel, Word, PowerPoint, Outlook)
  • Financial Document Review
  • Regulatory Compliance (FDIC, OCC guidelines)
  • Problem-solving
  • Client Communication

PROFESSIONAL AFFILIATIONS

  • Associate Member, San Diego Estate Planning Council (2022-Present)
  • Member, Young Professionals in Trust & Wealth Management (2022-Present)

Mid-level Trust Officer Resume Example

Natalie Morrow

Portland, OR 97205 • (503) 555-8721 • natalie.morrow@email.com • linkedin.com/in/nataliemorrow

Trust Officer with 5+ years of experience managing high-value client relationships and complex fiduciary responsibilities. Skilled in trust administration, financial planning, and estate management for high-net-worth individuals. Strong track record of reducing processing times while maintaining strict compliance with regulatory requirements. Known for clear communication with clients during sensitive life transitions.

EXPERIENCE

Senior Trust Officer | Pacific Northwest Bank & Trust | Portland, OR | March 2021 – Present

  • Manage $187M portfolio for 43 high-net-worth clients, providing comprehensive trust and estate administration services
  • Reduced account opening time from 14 days to 6 days by streamlining documentation processes while maintaining compliance standards
  • Lead quarterly portfolio reviews with clients, explaining complex financial concepts and investment strategies in accessible terms
  • Collaborated with legal team to resolve a complex multi-jurisdiction estate issue that preserved $1.2M in client assets
  • Mentor 2 junior trust officers, developing training materials on fiduciary responsibilities and regulatory compliance

Trust Officer | Columbia Financial Services | Portland, OR | January 2019 – February 2021

  • Administered 35+ personal and charitable trusts with combined assets of $94M
  • Performed financial analyses and made recommendations for trust distributions based on client needs and market conditions
  • Partnered with tax specialists to minimize tax liabilities for beneficiaries during trust distributions
  • Organized and maintained detailed records for annual fiduciary accountings and tax preparation

Trust Associate | First Western Trust | Seattle, WA | June 2017 – December 2018

  • Assisted senior trust officers with account administration and client service for 65+ trust accounts
  • Prepared documentation for trust creation, amendment, and termination
  • Coordinated with internal departments to process distributions and resolve client inquiries
  • Built client relationship management database that reduced response time for client requests by 37%

EDUCATION

Bachelor of Science, Finance | University of Washington | Seattle, WA | 2017

Certified Trust and Fiduciary Advisor (CTFA) | American Bankers Association | 2020

Certificate in Estate Planning | Portland Community College | 2018

SKILLS

  • Trust Administration & Fiduciary Services
  • Estate & Wealth Planning
  • Client Relationship Management
  • Regulatory Compliance (ERISA, UPIA, GLBA)
  • Financial Analysis & Reporting
  • Tax Planning Strategies
  • TrustProcessing Software
  • Investment Portfolio Management
  • Probate Administration
  • Cross-functional Team Collaboration

PROFESSIONAL MEMBERSHIPS

Oregon Bankers Association, Member, 2019-Present
Pacific Northwest Estate Planning Council, Associate Member, 2020-Present

Senior / Experienced Trust Officer Resume Example

Michael A. Thornton

Boston, MA | (617) 555-8294 | mthornton@email.com | linkedin.com/in/michaelthornton

Trust professional with 11+ years of experience managing complex fiduciary relationships and high-value client portfolios. Skilled in trust administration, estate planning, and fiduciary tax matters with expertise in navigating complex family dynamics. Known for translating technical financial concepts into clear guidance for clients while maintaining strict regulatory compliance.

EXPERIENCE

Senior Trust Officer | Commonwealth Financial Group | Boston, MA | 05/2019 – Present

  • Manage $218M in assets across 47 complex trust relationships, including multigenerational wealth transfers, special needs trusts, and charitable remainder trusts
  • Reduced account administration time by 31% through implementation of new fiduciary management software while maintaining 99.7% compliance rating
  • Lead team of 4 junior trust officers and 2 trust associates, providing mentorship and professional development while ensuring service excellence
  • Collaborate with estate planning attorneys, tax professionals, and investment advisors to develop comprehensive wealth management strategies for UHNW clients
  • Created standardized documentation templates that reduced review cycles from 6 days to less than 3

Trust Officer | Eastern Bank Wealth Management | Boston, MA | 02/2016 – 04/2019

  • Administered 62 personal and charitable trust accounts with combined assets of $175M
  • Served as primary point of contact for beneficiaries, resolving sensitive distribution requests and maintaining detailed documentation of all client interactions
  • Prepared and reviewed fiduciary accountings, tax information, and regulatory filings to ensure compliance with state and federal regulations
  • Developed expertise in special needs trusts, becoming the department’s go-to resource and handling our most complex cases
  • Recognized with “Excellence in Client Service” award (2018) for exceptional handling of a complicated trust dispute

Associate Trust Officer | Fidelity Personal Trust Company | Boston, MA | 09/2013 – 01/2016

  • Supported senior trust officers in managing 80+ trust accounts with combined assets exceeding $240M
  • Conducted trust reviews, ensuring investments aligned with trust objectives and beneficiary needs
  • Processed distributions, prepared trust tax information, and kept up accurate account documentation
  • Participated in client meetings, gradually taking on greater responsibility for relationship management

EDUCATION & CERTIFICATIONS

Certified Trust and Fiduciary Advisor (CTFA) | American Bankers Association | 2017

Juris Doctor | Suffolk University Law School | Boston, MA | 2013

Bachelor of Science, Finance | Boston College | Chestnut Hill, MA | 2010

SKILLS

  • Trust Administration & Fiduciary Responsibilities
  • Estate & Tax Planning
  • Fiduciary Accounting & Reporting
  • Investment Management Oversight
  • Client Relationship Management
  • Regulatory Compliance (OCC, FDIC)
  • Trust Operations & Documentation
  • SEI Trust Platform & Fiduciary Advantage
  • Team Leadership & Development
  • Conflict Resolution

PROFESSIONAL AFFILIATIONS

Boston Estate Planning Council, Member (2015-Present)
Massachusetts Bankers Association, Trust Committee (2018-Present)

How to Write a Trust Officer Resume

Introduction

Trust Officers occupy a unique position at the intersection of finance, law, and client service. Your resume needs to reflect this balance while showcasing your fiduciary expertise and relationship management skills. I've reviewed thousands of Trust Officer resumes over my career, and the difference between those that land interviews and those that don't often comes down to how well you communicate your technical knowledge alongside your soft skills. This guide will walk you through creating a resume that speaks directly to what trust departments and wealth management firms are looking for.

Resume Structure and Format

Trust Officer positions demand attention to detail and organization—qualities your resume format should reflect immediately.

  • Keep your resume to 1-2 pages (2 pages is acceptable for those with 7+ years of experience)
  • Use a clean, conservative format with clearly defined sections
  • Choose readable fonts like Calibri, Arial, or Georgia in 10-12pt size
  • Include plenty of white space to improve readability
  • Save your file as a PDF named "FirstName_LastName_TrustOfficer.pdf"
Pro tip: Many financial institutions still use traditional resume screening methods. While creative formats might work in other industries, stick with a conventional layout for Trust Officer positions—it signals you understand the conservative nature of the field.

Profile/Summary Section

Your professional summary should immediately establish your qualifications. This 3-4 sentence paragraph needs to pack a punch.

  • Mention your years of experience in trust administration or wealth management
  • Highlight relevant credentials (CTFA, JD, CPA, CFP)
  • Reference your expertise with specific trust types (testamentary, living, charitable)
  • Touch on your client relationship management approach

For example: "Trust Officer with 6+ years managing complex fiduciary relationships for HNWI clients with assets exceeding $175M. CTFA-certified with specialized experience in special needs trusts and estate settlement. Known for translating complicated fiduciary concepts into clear guidance for beneficiaries while ensuring regulatory compliance."

Professional Experience

This section carries the most weight. Focus on achievements rather than just listing responsibilities.

  • Start each bullet with a strong action verb (managed, administered, resolved)
  • Include specific trust asset values you've managed ($XXM in assets)
  • Mention the number and types of accounts in your portfolio
  • Highlight complex trust situations you've successfully navigated
  • Include metrics where possible (reduced settlement time by 31%, maintained 98% client retention rate)

Education and Certifications

Trust administration requires specific credentials that should be prominently featured.

  • List degrees in reverse chronological order
  • Feature relevant certifications prominently (CTFA, CFTA, etc.)
  • Include continuing education in trust-specific topics
  • Mention relevant coursework if you're newer to the field

Keywords and ATS Tips

Many financial institutions use Applicant Tracking Systems to screen resumes before human eyes ever see them.

  • Include terms like: fiduciary responsibility, trust administration, estate settlement, beneficiary distributions, investment management
  • Mention specific software you've used: SEI Trust, FIS Trust, Accutech
  • Reference regulations you're familiar with (Regulation 9, UPIA, state trust codes)
  • Avoid abbreviations the ATS might not recognize

Industry-Specific Terminology

Show your industry knowledge by naturally incorporating relevant terms:

  • Fiduciary capacity
  • Prudent investor rule
  • Principal and income accounting
  • Directed trusts vs. discretionary trusts
  • Trust accountings (Schedule K-1)
  • Remainder interests

Common Mistakes to Avoid

After reviewing hundreds of Trust Officer resumes, these are the missteps I see most often:

  • Being too vague about the types and values of trusts managed
  • Focusing solely on administrative tasks without showing client relationship skills
  • Failing to demonstrate understanding of both financial and legal aspects
  • Omitting specific software proficiencies
  • Leaving out relevant metrics that quantify success

Before/After Example

Before: "Responsible for trust administration and client service."

After: "Administered a portfolio of 87 personal and charitable trusts ($143M AUM) while serving as primary contact for 42 multi-generational client families, resulting in 96% client satisfaction rating and 4 referrals generating $17.5M in new assets during 2022."

Remember—your resume is often your first opportunity to demonstrate the precision and attention to detail that make an excellent Trust Officer. Take the time to craft it carefully, just as you would a complex trust document!

Soft skills for your Trust Officer resume

  • Client relationship management with high-net-worth individuals (including navigating family dynamics)
  • Clear communication of complex financial concepts to non-technical audiences
  • Ethical decision-making when balancing competing interests
  • Active listening to understand beneficiary concerns and fiduciary responsibilities
  • Diplomatic conflict resolution in estate disputes
  • Attention to detail while maintaining big-picture perspective on client goals

Hard skills for your Trust Officer resume

  • Fiduciary account management (personal trusts, employee benefit trusts, foundation/endowment accounts)
  • NetX360/TrustPortal administration for multi-generational wealth accounts
  • UPIA and Prudent Investor Rule compliance monitoring
  • Trust tax preparation in CCH Axcess and Lacerte Tax systems
  • Retirement plan distribution calculations (RMDs, 72(t) schedules)
  • Expertise in irrevocable life insurance trusts (ILIT) and charitable remainder trusts (CRT)
  • Bloomberg Terminal financial analysis and asset valuation
  • Proficiency with trust accounting software (TrustDesk 6.2, FIS Charlotte)
  • CTFA certification (Certified Trust and Financial Advisor)