You either work for a large bank or own a small one. You spend your life learning how to make money out of money. Although seen as business only fit for greedy, soulless exploiters, you don't necessarily have to be one yourself. Some banks for example are forbidden by their faith from taking interest, while others participate in social projects, especially since their business is seen as amoral. Lastly, some who are forbidden from practicing an "honest" trade are pushed into the business, holding a risky position of influence and wealth that depends on the good will of the governing body. As soon as they get too rich or the ruler does not need them anymore, they can easily be expelled and their assets confiscated. Work with the DM to establish the nature of the bank you worked for, its size, influence and membership. In addition, you may want to find a justification for your adventuring lifestyle. Did you grow bored with the trade? Maybe you have some debts to collect? Did your bank go bankrupt? If so, is there anyone responsible for the deed? Do you still have friends from your former life?

Skill Proficiencies: Persuasion or Insight

Languages: Two languages of your choice

Equipment: An ink pen, Fine Clothes, a bottle of ink, 10 sheets of parchment, and a pouch containing 25 gp

Suggested Characteristics

Those working in the banking business are a varied lot. Some see the way banks accumulate money as a path out of the parochialism of a feudal rule, where war, famine and ignorance are fostered, into a future free from want. Others relish the money and debt give them over others, while a few use the money to do charitable work and use their power to change society for the better. In any case, appearing trustworthy, groomed and educated are very important to all bankers, especially when don't have any of these qualities.

d8	Personality Trait
1	I hold myself up to high standards of behavior and others just as much.
2	A stovepipe is the sign of a refined person. As such, I never leave my home without one.
3	I am so much better than these uneducated brutes around me.
4	I prefer a cautious and safe approach. Charging ahead seems foolish.
5	Too much work has left me morose and withdrawn.
6	I delight in ordering others around with spiteful and meaningless tasks.
7	I use polished and refined language, to showcase my good education.
8	My appearance and grooming are always impeccable, no matter how dire the situation.

d6	Ideal
1	Change. The dynamic and efficient system I represent will one day do away with overcome traditions and silly beliefs. (Chaotic)
2	Charity. I help the poor by investing in social projects, like housing for the homeless and universal education. All the money of the world isn't worth it if my soul goes to hell. (Good)
3	Power. I relish the power money allows me to hold over others. There is nothing as delightful as legally robbing a person of everything they hold dear. (Evil)
4	People. Who cares about the money or what the bank wants? It's all the different people I met and talk to that matter in the end. (Any)
5	Money. Money is the first and foremost thing a banker should have in mind. (Neutral)
6	Obedience. If I do how I am told, everything will work out fine. (Lawful)

d6	Bond
1	I will take revenge on all who laughed at me while I was younger.
2	My current job is everything to me.
3	I have only ever loved two things: money and myself.
4	I am loyal to my boss and will enforce their will, whatever it takes.
5	I plan to extend the influence of my bank to the far reaches of the world.
6	I work to pay off a debt.

d6	Flaw
1	I don't care for the less fortunate. As far as I am concerned, they should have pulled themselves up by their bootstraps instead of wasting their lives.
2	I utterly believe in the word of whoever governs the bank.
3	I would do anything to get more money.
4	I am unused to rough living, being used to living a life of luxury.
5	I tend to trust the wrong persons too much, leading to unsound investments.
6	Plagued by the fear of failure and I tend to overwork myself.