Our Business Groups

Provides solutions for our customers' everyday banking, financing, investing, retirement, credit card, and insurance needs. Our national multi-channel distribution system offers customers convenience and choice in meeting their banking needs.

Provides business clients – independent businesses, small and medium sized enterprises and mid-market clients – with a broad range of banking products and services. Our relationship managers offer a full suite of integrated commercial and capital markets products and financial advisory services.

Provides custom-engineered financial solutions to meet the continually changing needs of emerging and existing mid-size companies. We take a Relationship Management approach, providing clients with a single point of access to a wide variety of financial options. Clients benefit significantly from an integrated suite of commercial and capital market products, delivered by experienced and devoted financial professionals.

Our headquarters team (including Marketing, Products, Distribution and Operations) support the development and implementation of our customer strategies to differentiate BMO Bank of Montreal^® in the Canadian market.

Full Service Investing operates as BMO Nesbitt Burns to offer comprehensive and client-focused investment and wealth advisory services, leveraging strong financial planning capabilities, a broad range of internal and external partnerships and top-quality products.

Operates as BMO InvestorLine. We understand and anticipate our clients' needs and offer a range of tools to help self-directed investors plan, research and manage investing decisions their own way.

Operates as BMO Harris Private Banking in Canada and Harris Private Bank in the United States. We deliver a planning and advice-based value proposition to high net worth and ultra-high net worth clients, offering a comprehensive range of services.

Operates as BMO Mutual Funds, BMO Guardian Funds and Group Retirement Services, and includes our joint venture with the mutual fund company Fullgoal (China). Our Funds business offers clients innovative investment solutions across a range of channels. Our Group Retirement Services business provides record-keeping and administrative services for defined contribution pension plans.

Operates in Canada, the United States and the United Kingdom, providing the highest standard of investment management services and ETFs.

Operates as two businesses: BMO Life Insurance, which focuses on creditor insurance, and BMO Life Assurance, which concentrates on life insurance and annuity products and services.

Has more than 70 equity analysts who provide coverage on 800+ public companies across diverse industry sectors in the U.S. and Canada. Our Canadian equity research team has been ranked first for 28 consecutive years in the Brendan Wood International survey of institutional investors.

Provides a broad range of complex financing solutions, including:

• Debt and Equity Financing
• Merger & Acquisition Advisory Services
• Mezzanine Financing
• Private Placements
• Private Equity
• Securitization

Works directly with companies to determine how best to fulfill their ambitions, using a broad range of solutions to take a business to the next level. The Corporate Banking team has the full-service backing of an international bank, ensuring businesses have access to both great ideas and solid execution in corporate lending and asset-based lending products across a broad range of industry expertise.

Helps businesses manage risk with integrated debt, currency, interest rate and commodity solutions; also provides efficient funding and liquidity management to corporate, institutional and government clients through:

• Commodity Products
• Credit Derivatives
• Equity Derivatives
• Foreign Exchange
• Interest Rate Derivatives

Provides top-ranked research, trade liquidity, sales and trading, and innovative structuring through:

• Bonds
• Equities
• Loan Syndications
• Money Markets
• Prime Brokerage
• Securitized Products

Offers a full range of banking products for the Securities and Mutual Fund industries across Canada:

• For Mutual Funds: cash management, treasury and deferred sales commission financing and corporate finance (through BMO^® Financial Group)
• For Securities: short-term liquidity financing, cash management, treasury and trust company services. Within the Securities industry, BMO Financial Group is seen as the premier source of banking services, with high-quality staff and after-sales service. Among non-bank-owned dealers across Canada, we enjoy a market share of close to 70%.

Offers innovative, integrated cash management solutions to leading companies looking for ways to maximize efficiency and gain control over cash both domestically and throughout North America.

Is a group of risk professionals who ensure that BMO^® is an industry leader in risk management. They are responsible for policy setting, reporting, risk oversight, transactional management, portfolio management and education.

Sets overall communications strategy and provides strategic advice and counsel for internal clients; sets guidelines and standards for communications across the organization; and manages the timing of all corporate announcements.

Is a group of highly skilled legal, compliance, corporate secretary and security professionals that manage and lead BMO's legal, compliance, security and regulatory affairs. LCCG is responsible for managing enterprise legal matters, regulatory affairs and training, fraud management, corporate governance, knowledge management, security and education.

Provides value added information, knowledge and advice. This involves preparation, analysis and dissemination of information on financial performance and condition, in order to ensure the Bank's high standards of governance are maintained; ensure regulatory requirements are met; provide financial support and advice to business initiatives as needed; and position financial results with the external communities. This group is also responsible for corporate development initiatives, financial strategy, asset liability management, balance sheet funding, liquidity, securitization, capital management, taxation and investor relations.

Drives the development of winning strategies. To catalyze strategy development at both the enterprise and group levels, the OSM closely collaborates with colleagues across BMO. Together we define the goals, draw up the blue prints, and determine the measurable outcomes that will produce competitive advantage for BMO Financial Group, wherever we do business.

Forges the link between strategy, people and performance, enabling BMO to execute our customer-focused business strategies.

• The HR Standards and Services Teams are centralized HR groups, developing overall HR architecture and providing strategies and frameworks that ensure BMO meets its people management objectives.
• The HR Business Partners perform HR functions within each Business Group, providing strategic human resources insight in areas such as performance management, organization design, leadership, HR planning and staffing and workplace equity.

Conducts independent, periodic objective audits of the effectiveness of internal control of all branches, departments, units, strategies and initiatives. This group also reviews the results of independent audits of equity investees, joint ventures and material outsourcing arrangements.

Is responsible for developing and managing a coordinated brand strategy including BMO & BMO Harris Bank^sm's advertising, corporate sponsorships and special events strategies. It is also responsible for market research, as well as the governance and coordination of our e-business and merchandising functions. Corporate Marketing works with our other Business Groups to increase our share of wallet, and continue to build equity in the BMO brand in Canada and the BMO Harris Bank brand in the United States.

Provides BMO Harris Bank employees with the means and knowledge they need to engage in endeavours that make a difference in the community. We do this through programs such as Matching Gifts (BMO Harris Bank will match employee contributions to qualifying not-for-profit organizations), corporate partnerships with local cultural institutions and our support of United Way. This group's mission is to enhance BMO Harris Bank's image and strengthen our communities through building relationships that focus primarily on financial education and community development.

Is responsible for technology development, architecture and enterprise infrastructure for the bank. The Technology organization partners with BMO's lines of business to develop IT solutions that maximize the value of our technology investment across BMO while enabling our customer-facing personnel to provide superior service.

The Operations teams of Product Operations for P&C Canada, P&C US, Private Client Group and BMO Capital Markets^® provide critical day-to-day operations activities that enable BMO to successfully compete as a leading financial institution. Business Process Improvement works in partnership with the banking groups and Technology and Operations to achieve dramatic and sustained strategy-driven improvements in operational performance.

Influences BMO's annual supplier spend, generating substantial savings for the enterprise through the identification of cost reduction opportunities and negotiations with suppliers.

Manages strategic planning, development, and the acquisition, sale, lease and facilities management of BMO's global real estate portfolio.