Banking Relationship Associate

Banking Relationship Associate

About TD Bank:

As a leading global financial institution, TD ranks among the top five largest banks in North America due to its extensive branch network. The company is committed to providing unparalleled customer experiences to over 27 million households and businesses across the world. With a team of over 95,000 employees, TD is dedicated to realizing its vision of surpassing as a superior bank and its mission to positively impact the lives of customers, communities, and employees.

Job Overview:

In the capacity of a Banking Relationship Associate, individuals are integral to the effective delivery of TD's Brand promise within the physical confines of a Store outlet. This entails not only accurately conducting everyday banking transactions but also offering counsel and educational resources on the various services, products, and tools that are instrumental in helping customers realize their financial ambitions.

Qualifications:

• The minimum educational requirement is a high school diploma or GED.
• year of preferred customer-facing experience (volunteering, educational background, or military service welcomed).
• Candidates with established customer service skills are preferred.
• Teller experience preferred.
• Capability to adhere to the work schedule that may include evenings, weekends, and holidays.
• Fulfillment of Teller training along with Part 1 of platform training is mandatory for new hires.
• Shows adeptness at managing workload and multitasking effectively in a fast-paced milieu.
• Remarkable communication proficiency (crisp, direct, and unwavering).
• Displays a talent for resolving issues and prioritizing workload effectively.
• Being capable of working independently and delivering results according to set schedules.
• The capability to exercise sound judgment enhances one's decision-making abilities.
• Knowledgeable in Microsoft Office programs.
• Notary License preferred.

Effective Customer Engagement & Relationship Management strategies involve utilizing various channels to communicate with customers and gather feedback to improve products or services:

• Engages with customers, provides financial recommendations, and strengthens connections through lead handling activities.
• Forms and nourishes customer relationships by actively listening and demonstrating product expertise.
• Pinpoints opportunities to promote and educate on products and services or guide to the relevant partner.
• Undertakes the role of the first point of contact for queries, supervising lobby functions, and overseeing customer visits.
• Manages the scheduling of appointments, rearranging meetings as required, and assists in coordinating the availability of bankers.
• Involves customers in discussions related to initiating or terminating accounts, digital banking tools usage, card issues, and general service requirements.

The coordination of sales, service, and banking operations is essential for a bank to maintain a competitive edge, provide excellent customer service, and manage its financial activities effectively:

• Skillfully conducts everyday banking transactions at the teller station and service desk.
• Manages the servicing of personal deposit accounts and addresses any problems related to debit and credit cards.
• Engages in customer outreach tasks such as making outbound calls, sending SMS messages, following up on campaign leads, and generating leads independently.
• Consistently delivers top-tier service while promoting, educating about, and recommending TD offerings.
• Sends clients to Store associates and partners for a wider range of financial services.

Effective risk management involves the handling of risks, ensuring regulatory compliance, and establishing control measures:

• Guarantees compliance with operational protocols, policies, and regulatory obligations.
• Applies customer authentication strategies, conducts diligent investigations, and adheres to compliance protocols when handling transactions and establishing accounts.
• Performs accurate transaction processing, which involves deposit handling, cash withdrawal, and check cashing.
• Supervises cash coffers, ensures cash security, adheres to cash thresholds, and implements dual monitoring procedures.
• Ensures the correct recording of information in alignment with regulations, key dates, and internal monitoring.
• Successfully undergoes training tailored to job-specific compliance and regulatory standards.

Operational Excellence:

• Stands behind TD's customer service strategy by ensuring decisions prioritize the well-being of customers and stakeholders.
• Involves in overseeing store operations to ensure adherence to TD's risk protocols.
• Follows all audit, risk, and regulatory protocols diligently, providing accurate information when required.
• Confirms that responsibilities are fulfilled within approved policies and exhibits sound judgment in decision-making.
• Displays a consistent level of superior service in all customer interactions.

Cognitive Requirements:

• Concentrating for lengthy durations without interruption - Unbroken
• Applying basic rationale to standardized predicaments - Perpetual
• Processing and expressing written guidance - Persistent
• Core arithmetic procedures (addition, subtraction, multiplication, division) – Constant

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