Banking Retail Associate

Banking Retail Associate

About TD Bank:

TD is one of the world's leading global financial institutions and the fifth largest bank in North America by branches. We deliver legendary customer experiences to over 27 million households and businesses and globally. With over 95,000 colleagues, TD is guided by its vision to Be the Better Bank and its purpose to enrich the lives of customers, communities, and colleagues.

Job Overview:

The Banking Retail Associate is a banking professional who plays a key role in delivering TD's Brand promise at a Store location. The role is accountable for accurately completing everyday banking transactions while providing advice and educational support on services, products, and tools that help customers achieve their financial goals.

Qualifications:

• A high school diploma or its GED equivalent is a must-have qualification.
• One year of customer service experience is preferred (volunteer work, educational background, or military service accepted).
• Effective customer service skills are a preferred asset.
• Teller experience preferred.
• Preparedness to cover work shifts on evenings, weekends, and holidays as necessary.
• It is a prerequisite for newly hired staff to finish both Teller training and Part 1 of platform training.
• Displays a talent for efficiently multitasking and organizing duties amidst a fast-paced backdrop.
• Top-notch communication capabilities (clear-cut, coherent, and uniform).
• Shows a knack for problem-solving and skill in managing work priorities.
• The talent for working autonomously and fulfilling deadlines promptly.
• Sound judgment plays a significant role in the process of making informed choices.
• Skilled at using Microsoft Office efficiently.
• Notary License preferred.

Successful Customer Engagement & Relationship Management requires businesses to tailor their approach to each customer, understanding their unique preferences and behaviors:

• Builds relationships with customers, provides financial guidance, and strengthens connections through lead nurturing tactics.
• Forges and maintains customer ties through active listening and a solid understanding of products.
• Identifies opportunities for promoting and educating on products and services or suggesting the relevant partner.
• Manages initial inquiries, directs lobby procedures, and orchestrates customer traffic efficiently.
• Assists in scheduling and managing appointments, rearranging meetings when necessary, and coordinating banker availability.
• Communicates with customers about the commencement/conclusion of accounts, digital banking tool functionalities, credit/debit card challenges, and general servicing inquiries.

Within the scope of sales, service, and banking operations, there is an emphasis on streamlining processes, enhancing customer experiences, and driving revenue growth for the bank:

• Expertly completes standard transactions at the teller counter and service area.
• Deals with the setup and maintenance of individual deposit accounts along with providing support for debit and credit card matters.
• Participates in customer outreach endeavors including making outbound phone calls, relaying messages via SMS, following up on campaign leads, and generating self-sourced leads.
• Dependably offers exceptional service while promoting, educating about, and directing towards TD products.
• Supports colleagues and partners at Store by directing referrals for elaborate financial matters.

Risk management strategies involve risk mitigation efforts, compliance measures, and control implementation:

• Ensures conformity with operational policies, procedures, and regulatory prerequisites.
• Utilizes customer authentication techniques, conducts in-depth investigations, and ensures adherence to compliance standards during transaction processing and account opening procedures.
• Upholds customer privacy by safeguarding their information and following security protocols set by the bank.
• Manages cash funds, secures cash reserves, follows cash boundaries, and adheres to dual verification guidelines.
• Confirms the proper documentation aligned with regulations, crucial dates, and internal governance.
• Successfully finishes training programs that address compliance and regulatory obligations specific to the role.

Operational Excellence:

• Backs TD's customer service strategy and ensures decisions are attuned to the well-being of customers and stakeholders.
• Plays a role in store operations to maintain alignment with TD's risk guidelines.
• Maintains compliance with all audit, risk, and regulatory standards, ensuring accurate responses are provided as per request.
• Validates that activities are performed within set policies and exhibits sound reasoning in decision-making processes.
• Ensures that each customer interaction reflects a commitment to exceptional service.

Cognitive Requirements:

• Uninterrupted focus over an extended time frame - Persistent
• Employing simple logic in standardized challenges - Persistent
• Interpreting and formulating directives - In a continual fashion
• Basic mathematical computations (addition, subtraction, multiplication, division) – Unbroken

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