Just the Math

You're Worth More
Than You Think

Charlotte market data · April 2026

Prepared for
Leighanna Margaret Aguililla
Prepared by your biggest fan —
the one who sees the best in you
and believes the most in you.
You Right Now
$67K
Bank of America · Band 5
Market Rate
$95K
Same role · Charlotte
Here's the thing

A Treasury Analyst — a role junior to yours — starts at $67K in Charlotte and goes up to $97K. You're making the starting salary of someone a level below you.

What your title actually pays

Treasury Implementation Specialist: $70–$115K
Implementation Manager: $110–$157K

Your $67K isn't just low. It's below the published range entirely.

Every Year at $67K Instead of $95K
−$29,000
In base pay alone. Plus lower 401(k) match, lower bonuses, lower future raises — all compounding off a smaller number.
What this is actually about

At $95–100K you can drop Legion. Same take-home or better. Keep your two WFH days. Actually have energy when you get home. One move eliminates the gap that two jobs currently can't close.

The Paycheck — What Actually Hits Your Account
Now · Bi-Weekly
$2,045
$4,431/month
At $95K · Bi-Weekly
$2,757
$5,973/month
The Difference — In Your Pocket
+$712
more per paycheck
+$1,542 more per month
Plus two months a year with 3 paychecks instead of 2
That extra $1,542/month is more than Legion pays you. You could drop the bartending and still take home more than you do right now working both jobs.
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It's not you — it's the system

BofA's internal band compression is well-documented. They'll bring someone from outside at $95K for the same role they'd promote you into at $78K. The system is designed to underpay people who stay. That's not about your performance — it's about how internal pay bands work at every large bank.

Right now in Charlotte

Wells Fargo, JPMorgan, Truist, Ally, Huntington, First Horizon, U.S. Bank, HomeTrust, Credit Karma, AvidXchange — all posting treasury and implementation roles right now. Charlotte is the #2 banking city in America. There is year-round demand for exactly what you do.

Someone already did this

An Implementation Officer at BofA Charlotte — same title, same team type — left and went to AvidXchange. Within 4 years she was promoted three times to Strategic Implementation Project Manager. Same starting point. Same city. She just made the move.

Two Years of Staying
−$60–80K
In cumulative lost earnings. That's not including the compounding effect on every raise, bonus, and match from here forward.
You said something important

"I have been thinking of going to other banks. I'm just comfortable here."

Comfortable and underpaid by $28K are not the same thing. You can find somewhere that feels just as good and pays you what you're actually worth — and you'd never have to pick up another bartending shift to make rent. Those places exist. They're hiring. Right now.

What It Takes to Fix This
Nothing Yet
Phil's building everything. When it's ready, you copy and paste. That's the whole plan. You don't have to figure anything out.
The honest read — no hype

These numbers are being as conservative as possible. $95K is not a stretch target — it's actually below the market midpoint for your title and experience. Here's what's real:

Confidence Level
$85–$92K
Very High
Regional banks — HomeTrust, South State, First Horizon. They hire fast and value your BofA pedigree.
$95–$105K
High
Mid-tier banks and fintech — Huntington, Ally, AvidXchange, Paymentus. Your sweet spot.
$105–$115K
Solid
Major banks — Wells, JPM, Truist, Citi. Possible in 3–6 months with the right recruiter intro.
You haven't wasted a single day

Four years as an Officer at Bank of America is not time lost — it's the foundation everything else gets built on. In Charlotte banking, BofA tenure carries real weight. Recruiters at every other bank in this city know exactly what Band 5 means. That credibility is already built. You just haven't used it yet.

How fast this can move

This isn't a 6-month project. Your LinkedIn could be updated by the end of the day. Recruiters search Charlotte for treasury implementation talent every single week. Once your profile is live and optimized, you could realistically be getting recruiter messages within days — not months. The demand is there right now. The only missing piece is you being visible.

Your Real Estate License Matters Too
You're a licensed Realtor. You know how to read a market. So read this one: the market for your skills in Charlotte is hot, the supply of qualified people is tight, and you're sitting on an asset you haven't listed yet. You'd never let a client underprice their home by $30K. Don't do it to yourself.

You're not behind.
You're not starting from scratch.
You're in a good spot.

You've already done the hard part. Now let's go get what's yours.

You're not leaving because you hate your job. You're leaving because the market values you more than your current employer does. That's not disloyal — that's math.

"For I know the plans I have for you," declares the Lord, "plans to prosper you and not to harm you, plans to give you hope and a future."
Jeremiah 29:11
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When You're Ready
The Chitty Chat ✿
This is the fun part. No forms. No applications. Just you talking into your phone like you're telling a story at happy hour.
How This Works
1
Open the Voice Memos app on your iPhone. It's the one with the little red soundwave. It's already on your phone.
2
Hit the red button. Start talking. That's it. Don't stop and start. Don't try to sound professional. Don't edit yourself. Just ramble.
3
Leave the recorder going in the background. Read a question below, then just talk. If your mind drifts — follow it. If a random work story pops up, go with it. If you think "that's not important" — it probably is. The more you chitty chat, the better this works.
4
When you're done (3 minutes, 10 minutes, doesn't matter), send the voice memo to Phil. Text it, AirDrop it, whatever. Done.
5
Phil handles everything else. You'll get back finished copy. You paste it into LinkedIn. That's the whole plan.
The Only Rules
Tap any question to see what to think about. You don't have to answer all of them — even 2 or 3 is plenty. ✿
1
Who comes to you when things go sideways?
▾
When someone on your team is stuck or a client is frustrated — are you the one they come to? Think of a recent time. What happened? What did you do? Just tell the story like you're telling me over drinks.
2
What do you do that's technically not your job?
▾
The stuff you handle that nobody asked you to handle — but if you stopped doing it, things would fall apart. What is that for you? Even the small things count.
3
Tell me about the "helps too much" thing.
▾
Your only year-end critique was that you help too much. I love that. Tell me about a time that happened — where you jumped in to save something and it cost you time on your own stuff. What was the situation?
4
Walk me through a messy client situation.
▾
Think of an implementation that got complicated. What was the product? What went sideways? How did you get it across the finish line? The messier the starting point, the better the story.
5
What did you build that's still being used?
▾
A process, a template, a checklist, a way of doing things — anything at the bank that existed in chaos before you and has structure now because you built it. Even something small.
6
Has a client ever asked for you by name?
▾
A client who specifically requested you, or a relationship you saved when things were going south. What happened? What did you do that went beyond the normal playbook?
7
What would your favorite manager say about you?
▾
If they had 30 seconds to tell someone why they should hire you — not the polite version, the real version — what would they say? What's the thing they'd fight to keep you for?
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What are you most proud of that nobody knows?
▾
The thing about your work you're most proud of that nobody outside your immediate team would ever know about. The quiet wins. Those are usually the best ones.

That's It. Send the Ramble.

However long, however messy. Voice memo, wall of text, whatever. Phil turns it into magic. You copy, paste, and wait.

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Data: Indeed · Salary.com · Robert Half · Glassdoor · ZipRecruiter · LinkedIn · 2025–2026