Banking Operations Associate

Banking Operations Associate

About TD Bank:

With a presence in numerous countries around the world, TD stands out as a premier financial institution known for its exceptional customer service and extensive branch network. Serving over 27 million households and businesses, the company aims to enrich the lives of its customers, employees, and communities. TD's workforce of over 95,000 staff members is united in their efforts to achieve the vision of being the best bank possible.

Job Overview:

The Banking Operations Associate's primary function revolves around fulfilling common banking transactions accurately at a designated Store branch, all the while offering insight and educational aid on a range of services, products, and resources that are designed to assist customers in meeting their financial aspirations in alignment with TD's Brand commitment.

Qualifications:

• Candidates must have either a high school diploma or a GED as a prerequisite.
• Preferred: At least 1 year of exposure to customer interactions (volunteering, academic, or military involvement accepted).
• Displayed expertise in customer service is favored.
• Teller experience preferred.
• Capacity to fulfill work obligations at non-traditional hours including nights, weekends, and public holidays.
• New hires must finish Teller training as well as Part 1 of platform training.
• Skilled in maintaining order and juggling various tasks efficiently in a high-speed work environment.
• Exceptional communication prowess (brief, transparent, and cohesive).
• Skilled in resolving challenges effectively and prioritizing responsibilities efficiently.
• Showing the aptitude to carry out tasks independently and fulfill designated due dates.
• Possessing sound judgment is essential for making informed choices.
• Adept with Microsoft Office applications.
• Notary License preferred.

Customer Engagement & Relationship Management involves actively engaging with customers to understand their needs and preferences to enhance their overall experience:

• Establishes relationships with customers, delivers recommendations on money management, and strengthens connections by managing leads effectively.
• Creates and fosters client relations through attentive listening and a deep understanding of the merchandise.
• Discovers openings for promoting and educating about products and services or forwarding to the right partner.
• Acts as the primary liaison for inquiries, overseeing lobby operations, and directing customer visits.
• Organizes and manages appointment bookings, reschedules meetings when needed, and assists in coordinating the availability of bankers.
• Communicates with customers about opening/closing accounts, utilizing digital banking resources, resolving card problems, and addressing various service-related inquiries.

The functions of sales, service, and banking operations encompass various activities such as promoting products, assisting customers, and managing financial transactions:

• Proficiently handles regular transactions at the teller line and platform.
• Responsible for the creation and maintenance of personal checking and savings accounts and resolving any debit or credit card problems.
• Involves in outreach efforts to connect with customers, including reaching out through phone calls, sending SMS messages, pursuing leads from campaigns, and creating leads personally.
• Constantly offers top-notch service while endorsing, educating on, and directing towards TD merchandise.
• Refers clients to Store associates and partners for intricate financial concerns.

Risk oversight, adherence to regulations, and the establishment of controls are integral to effective risk management:

• Guarantees conformity with all operational policies, protocols, and regulatory criteria.
• Implements customer authentication protocols, exercises caution in due diligence efforts, and ensures compliance with relevant transaction and account regulations.
• Handles transactions effectively by ensuring accuracy in depositing, withdrawing, and cashing checks.
• Handles cash trays, safeguards currency, sticks to cash boundaries, and abides by dual verification processes.
• Confirms the maintenance of correct documentation following guidelines, important timelines, and internal safeguards.
• Successfully fulfills mandatory training on compliance and regulatory matters specific to the job.

Operational Excellence:

• Backs TD's customer care strategy and ensures that choices are in line with the satisfaction of customers and stakeholders.
• Engages in managing store operations to ensure alignment with TD's risk framework.
• Complies with all audit, risk, and regulatory guidelines, furnishing accurate responses when requested.
• Ensures that activities are carried out in compliance with established protocols and displays effective decision-making skills.
• Exhibits high-quality service in every interaction with customers.

Cognitive Requirements:

• Staying attentive for prolonged periods - Stretched
• Utilizing logical thinking in consistent challenges - Constant
• Comprehension and composition of guidelines - Uninterrupted
• Foundational mathematics (addition, subtraction, multiplication, division) – Persistent

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