Banking Associate

Job Summary:

The Banking Associate is a key role in delivering TD's Brand promise at a store location. This position is accountable for accurately completing everyday banking transactions and providing advice and educational support on services, products, and tools to help customers achieve their financial goals.

Key Responsibilities:

• Processes a wide range of tasks across multiple areas within a Store location, including processing customer transactions, opening new accounts, and educating customers on all banking products and services.
• Delivers end-to-end advice to customers, building trust with educational content and tools, providing consultative support, and advocating with proactive insights and recommendations.
• Utilizes TD's systems and tools to engage with customers, acquire and deepen relationships, and provide advice and guidance to attract and retain customers.
• Understands customer financial needs to identify opportunities to promote and educate on products, services, and/or refer them to the appropriate team member or internal Bank partner, while ensuring a positive customer experience.
• Accurately completes everyday banking transactions, either on the teller line or on the platform, while uncovering customer financial needs and educating on products, services, and tools or referring to the appropriate expert.
• Services customers on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and online banking.
• Connects with customers, provides financial advice, and deepens relationships through lead management activities, including creating and managing self-generated leads, managing received partner/retail to retail referral leads or campaign leads, customer outreach, setting and/or hosting appointments, and lead prioritization.

Requirements:

• High school diploma or GED.
• 1 year experience working with customers in any capacity, which can be demonstrated through volunteering, education, military experience, or other relevant experience.
• Demonstrated Customer Service skills preferred.
• Ability to work during operating hours, including evenings, weekends, and holidays as scheduled.
• Teller experience preferred.
• Required to complete Teller training and part 1 of platform training upon hire.
• Strong organization skills to handle multiple tasks in a fast-paced environment.
• Excellent communication skills with the ability to be concise, clear, and consistent.
• Demonstrated effective problem-solving skills.
• Demonstrated ability to schedule and prioritize work.
• Demonstrated ability to work independently and within deadlines.
• Sound judgment in decision making and problem solving.
• Proficient in Microsoft Office.
• Notary License preferred.

Customer Accountabilities:

• Consistently provides legendary customer service while transacting, promoting, educating, and referring TD products to new and existing customers.
• Establishes and nurtures customer relationships by consistently displaying product knowledge, actively listening to customer needs, and engaging in additional conversations to identify any additional needs and offer a solution or partner referral.
• Manages wait times to meet with a Banker by scheduling, rescheduling, or canceling client meetings.
• Engages in lobby leadership and represents the first point of contact for customer inquiries and helps to orchestrate the customer walk-in traffic and can be the first point of contact for customer resolution or to make appointments to see an expert.
• Understands and supports the Bank's customer service strategy.
• Considers the impact of decisions on the well-being of TD, its customers, and stakeholders.
• Drives referrals to Store colleagues and partners to support the broader more complex financial needs of customers.
• Ensures tasks are performed within established policy and procedures.
• Successfully completes all required job-specific, compliance-related training.
• Understands, utilizes, and follows compliance/risk and control programs.
• Ensures ongoing compliance with internal/external audit and regulatory requirements. Provides prompt and comprehensive responses to all external audit, regulator, and compliance requests and findings. Maintains appropriate records of action plans.
• Is knowledgeable of and complies with TD Code of Conduct.

Shareholder Accountabilities:

• Ensures compliance when completing operational activities in accordance with company guidelines and regulations, such as the Bank Secrecy Act and Patriot Act, to minimize risk and protect the customer.
• Accurately processes cash/deposit/withdrawal transactions and other account servicing requests.
• Decisions and processes everyday transactions, such as opening/closing, servicing accounts, depositing or cashing checks, reordering a debit card, or updating address.
• Ensures compliance with all regulations, policies, and procedures, adhering to required controls, critical dates, and accurate documents.
• Applies customer authentication principles, compliance regulations, and due diligence to new account openings and transactions.
• Accurately and efficiently performs transactions, accountable for cash drawers, including maintaining cash limits and securing cash drawers/stations/balances out cash drawer and TCR.
• Follows policy and procedure for Customer Authentication.
• Acts as Dual Control agent when required.
• Follows all required open/close procedures.

Employee/Team Accountabilities:

• Contributes to a positive work environment by aligning to TD Model, Brand, and Culture by participating fully as a member of the team.
• Be an active participant in personal performance and development activities.
• Acts as a brand champion both internally and externally.
• Collaborates with team members in contributing to the success of the team and organization.
• Partners as a team player.
• Actively seeks opportunities to improve delivery of work with high attention to quality standards.
• Actively takes ownership of own career and aspirations. Seeks out diverse feedback to continuously develop and enhance skills.
• Positively embraces change.
• Adheres and participates in TD's Shared Commitments.
• Models quality service at every Customer interaction.
• Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience.
• May train and act as a mentor to newer colleagues.

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional.
• International Travel – Never.
• Performing sedentary work – Continuous.
• Performing multiple tasks – Continuous.
• Operating standard office equipment - Continuous.
• Responding quickly to sounds – Occasional.
• Sitting – Frequent.
• Standing – Frequent.
• Walking – Frequent.
• Moving safely in confined spaces – Occasional.
• Lifting/Carrying (under 25 lbs.) – Occasional.
• Lifting/Carrying (over 25 lbs.) – Never.
• Squatting – Occasional.
• Bending – Occasional.
• Kneeling – Occasional.
• Crawling – Never.
• Climbing – Never.
• Reaching overhead – Never.
• Reaching forward – Occasional.
• Pushing – Never.
• Pulling – Never.
• Twisting – Never.
• Concentrating for long periods of time – Continuous.
• Applying common sense to deal with problems involving standardized situations – Continuous.
• Reading, writing, and comprehending instructions – Continuous.
• Adding, subtracting, multiplying, and dividing – Continuous.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. The listed or specified responsibilities and duties are considered essential functions for ADA purposes.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States, and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities, and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Additional Information:

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process

We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.