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ING Direct has a handle on where banking is headed, so they should be the place to be if you want to work in “retail” banking.

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I’m a big proponent of making personal finance part of the job search. By managing your money wisely (even if you barely have any left), you’re creating a project for yourself that you can use to demonstrate to employers how you’ll be an effective employee. When I need information on personal finance, I always look to Ramit Sethi, the founder of a website called I Will Teach You To Be Rich and the author of a book by the same name (he also just launched a course on how to make money freelancing and he’s doing a free webinar tonight at 7 PM PST – affiliate links). One thing that he strongly recommends is using online banks that offer high interest rates and great easy to use features. One of these banks is ING Direct, which is headquartered in Wilmington, DE. While you may have noticed that most banks are on a real estate binge as they try to gain customers, ING Direct is doing the opposite. They operate almost entirely “in the cloud.” Since they “believe saving money should be as simple as having a cup of coffee,” they do have cafés in New York, Philadelphia, Los Angeles, Wilmington, Chicago, St. Cloud, and Honolulu where you can ” sip a latte, surf the Internet for free and talk to [them] about how [they] can help you Save Your Money.” And by keeping a low overhead, ING Direct is able to offer better interest rates and fewer fees, which gives them a huge advantage in winning over customers.

Saving Towards a Career

It may be hard to imagine not needing a brick and mortar bank, but ING Direct makes it work. They have a huge ATM network, they’ll write and mail your checks for you, and they make transferring money between accounts simple. It’s the way that you’ll expect to bank in the future, but ING Direct is doing it now. ING Direct is owned by ING, the Dutch financial institution, but it seems that they act quite independently—they’re not like other banks. This is where banking is headed, so ING Direct should be the place to be if you want to work in “retail” banking. To get started, you need to check out ING Direct’s Jobs page. You’ll see that in addition to their Wilmington, DE location, they also have offices in St. Cloud, MN; Los Angeles, CA; and Seattle, WA. There are dozens of positions posted, and quite a few of them appear suitable for new grads. Most of these positions fall into one of three categories: Sales, Analyst, or IT/Software Development; however, there are a few exceptions like Interactive Advertising Designer and Card Dispute Associate. Unfortunately, ING Direct’s applicant tracking system is kind of terrible, so it makes it impossible for me to link to specific positions. You’ll have to browse through the listings yourself, and apply through their submission form.

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