Banking Product Associate

Job Overview for Banking Product Associate:

The Banking Product 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:

• The job requires all applicants to have either a high school diploma or GED.
• Desired qualification: 1 year of customer service experience (volunteer work, educational background, or military service welcomed).
• Preferred candidates will showcase their customer service skills.
• Teller experience preferred.
• Preparedness to cover work shifts on evenings, weekends, and holidays as necessary.
• Upon hire, individuals must undergo Teller training and also complete the first portion of platform training.
• Shows adeptness at managing workload and multitasking effectively in a fast-paced milieu.
• Stellar communication aptitude (to the point, unambiguous, and steady).
• Demonstrates a strong aptitude for finding solutions and organizing tasks by urgency.
• Showing the aptitude to carry out tasks independently and fulfill designated due dates.
• Having the ability to make wise and sensible decisions is crucial.
• Adept with Microsoft Office applications.
• 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:

• Builds relationships with customers, provides financial guidance, and strengthens connections through lead nurturing tactics.
• Builds and preserves customer associations by paying attention and having in-depth product knowledge.
• Pinpoints opportunities for promoting and educating on products and services or recommending the suitable partner.
• Takes charge of initial queries, leadership in the lobby, and coordination of customer walk-ins effectively.
• Manages the coordination of appointments, adjusts meeting schedules when required, and supports in aligning banker availability.
• Interacts with clients regarding account start-ups/closures, digital banking tools, card disputes, and overall service-related assistance.

Sales, service, and banking operations involve a combination of sales strategies, customer relationship management, and financial transactions to ensure a well-functioning banking environment:

• Effectively manages standard transactions at both the teller line and service platform.
• Handles the opening and management of personal deposit accounts and assists with troubleshooting debit and credit card issues.
• 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.
• Continuously delivers exceptional service while advocating for, informing about, and recommending TD offerings.
• Refers clients to Store associates and partners for intricate financial concerns.

Mitigating risks, upholding compliance standards, and enforcing controls are essential aspects of risk management practices:

• Ensures alignment with operational procedures, policies, and regulatory mandates.
• Utilizes customer authentication techniques, conducts in-depth investigations, and ensures adherence to compliance standards during transaction processing and account opening procedures.
• Ensures the confidentiality of customer data by adhering to bank security measures and protocols.
• Administers cash tills, protects cash reserves, adheres to cash limits, and implements dual control measures.
• Verifies the correct documentation aligned with regulations, significant dates, and internal policies.
• Successfully covers all aspects of compliance and regulatory training relevant to the job.

Operational Excellence:

• Stands behind TD's customer service strategy by ensuring decisions prioritize the well-being of customers and stakeholders.
• Participates in store activities to enforce compliance with TD's risk framework.
• Ensures adherence to all audit, risk, and regulatory procedures, delivering precise replies promptly.
• Ensures that activities are carried out in compliance with established protocols and displays effective decision-making skills.
• Demonstrates exceptional service standards in all customer engagements.

Cognitive Requirements:

• Concentrating for lengthy durations without interruption - Unbroken
• Using practical judgment in continuous problems - Incessant
• Interpreting and formulating directives - In a continual fashion
• Elementary math processes (addition, subtraction, multiplication, division) – Unceasing

About TD Bank:

TD is a renowned global financial institution that stands as the fifth largest bank in North America in terms of branch coverage. Serving a customer base of over 27 million households and businesses globally, the company is focused on delivering exceptional customer service. With a workforce of more than 95,000 employees, TD is driven by its vision to transform into the best bank while aiming to improve the well-being of customers, communities, and colleagues.

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