Business consultant (all) — Migros Bank

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Geographic detail

This page corresponds to the job slug consulenti-per-conti-chiave-e-finanza-strutturata-tutti-migros-bank-zurich-1xt2he (trailing token: Bank Zurich 1xt2he).

The reference location stated in the job ad is Zürich, Canton of Ticino. Remote-tagged roles still retain the city reference for tax, contract and G Permit enrolment purposes.

Original description

With us you can live your passion for corporate customer business every day and become a trusted partner for all financial topics for your customers. We are looking for you: A personality that is best known in the company's customer business and also brings a lot of enthusiasm for the acquisition. Mansioni - You bear the holistic responsibility for consulting, care and further development of medium-sized companies in the Zurich area - You advise medium-sized companies on commercial & complex real estate financing, analyze business figures and conduct the examination and approval of loan applications - In cooperation with our specialists in Leasing & Structured Finances, you can fully support our customers in financing decisions - With your communicative, customer-oriented personality, you establish our position as a corporate customer bank in Zurich and convince by your professional performance - Your opinion counts, both for your young, dynamic teammates and across all departments, to the management Requisiti - Mind. 4-6 years: Corporate customer consulting - Completed degree (Uni/ETH, FH, HF): Business Administration - Your very good communication skills, your proven acquisition strength and your negotiation skills can be used with pleasure and ease in everyday life - Our corporate customers benefit from your deeper expertise on all financing needs and your multi-year consulting experience - You recognize complex relationships quickly and have the gift of directly networking them and presenting exciting solutions. - Your proactivity and implementation strength in collaboration with various internal and external stakeholders characterize you - German (sales-proof) Cosa offriamo - Central workplace: optimally accessible, centrally located workplace - Flexible working time: annual working time for all and confidence working time for many - Migros Bank: Accounts, mortgages and financial services with preferential conditions - Social benefits: Optimum coverage of illne

Job details

Company: Migros Bank
Position: Business consultant (all)
Location: Zürich, Ticino
Expired on: 2026-07-07

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Find your next opportunity as a cross-border worker in Switzerland.

Information for cross-border workers

Migros Bank is located in Zürich in the Canton of Ticino. Cross-border workers need a G Permit, renewable annually, to work in Switzerland. The Canton of Ticino applies withholding tax at variable rates on gross income. Since 2024, the New Tax Agreement introduces concurrent taxation between Italy and Switzerland.

Swiss social contributions include AVS (5.3%), unemployment insurance (1.1%) and LPP (occupational pension). Use our free tax simulator to calculate your net salary and compare the cost of living between Switzerland and Italy.

G permit and residence. To apply for this position as a cross-border worker you must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. The employer files the G permit at the cantonal migration office after the contract is signed: first issuance takes 2-6 weeks and is then renewed yearly. Full-time remote work from Italy is not compatible with cross-border status; extended absences from the Italian home (more than a working week without returning) jeopardise the fiscal regime.

Net salary and the 2024 fiscal agreement. The gross salary advertised here is withheld at source by the Swiss employer at effective rates between 5 % and 19 % in the Canton of Ticino depending on income, marital status and dependants. Cross-border workers hired on or after 1 January 2024 fall under the new Italy-Switzerland concurrent regime: Italy taxes foreign employment income while granting a tax credit on Swiss withholding up to 80 %, declared in section RW of the Italian tax return. Together with social charges the typical gross-to-net gap is 18-28 %. For a personalised calculation on the gross offered by Migros Bank open the salary simulator.

Commute and quality of life. Working in Zürich means a daily commute that depends on which crossing you use: Brogeda (A2 motorway) and Chiasso-strada cover the Mendrisiotto and Luganese areas; Stabio and Gaggiolo serve commuters from the Varese province; Ponte Tresa is the historic gateway for Luino and the Verbano lake region. At peak times a Como-Lugano leg runs 25-50 minutes; Varese-Lugano typically takes 35-60. For those considering relocation to Ticino, average rent for a 3.5-room flat in Lugano is CHF 1,500-2,200/month, against EUR 600-900 for an equivalent unit in the province of Como. The Swiss healthcare network (LAMal) offers shorter access times than the Italian SSN but at a monthly premium of CHF 350-500 per adult — a substantial line item in any net-vs-net comparison.

Frequently asked questions

What is the net salary for a cross-border worker in Ticino?: Net salary depends on gross income, marital status and number of children. In the Canton of Ticino, withholding tax ranges from about 2% to 15%. Together with AVS-AI-IPG (5.3%), unemployment insurance (1.1% up to CHF 148,200/year) and LPP (7-18% by age), the typical gross-to-net gap is 18-28%. Use our simulator for a personalised calculation against this listing.
Do cross-border workers need Swiss LAMal health insurance?: New cross-border workers since 2024 must enrol in Swiss LAMal within 3 months of starting work, unless they exercise the right of option to stay in the Italian SSN. Premiums vary by canton, insurance model (standard, family doctor, telmed, HMO) and deductible (CHF 300 minimum up to 2,500 maximum): compare LAMal premiums.
How do I get a G permit to work in the Canton of Ticino?: The G permit is filed by the employer at the cantonal migration office after the contract is signed. First issuance takes 2-6 weeks; the permit is renewed yearly up to the contractual limit. You must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. Full-time remote work from Italy is not compatible with the status.
13th-month salary, vacation and overtime: what does Swiss law say?: The 13th salary is not statutory but is standard practice in Ticino and almost always specified in the contract: paid in December or split into two tranches (June + November). Minimum statutory holiday is 4 weeks (5 weeks for under-20s and over-50s with seniority). Overtime above 40-45 weekly hours, under the Labour Act (LL), is compensated with a 25% premium or equivalent time off within 14 weeks.
What documents do I need to apply for a Swiss job?: For the initial application: CV (European or Swiss format, in a cantonal language), cover letter, and a recent work certificate. After the contract is signed: valid ID card (passport recommended), Italian residence certificate, birth certificate for the G-permit filing, and — for regulated sectors (healthcare, schools, security) — recognition of the Italian degree by SBFI/SEFRI or the relevant cantonal authority, a process that takes 3-6 months.

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