Banking Associate (US) - Auburn, Maine

TD • Auburn, ME

9d • $22 - $28 • Onsite

About The Position

The Banking Associate is a professional in banking, plays a key role in delivering TD’s Brand promise at a store location. This role 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. The Banking Associate role involves performing 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. They deliver end-to-end advice by building trust with educational content & tools, providing consultative support, and advocating with proactive insights & recommendations. Utilizing TD's systems and tools, they engage with Customers to acquire and deepen relationships by providing advice and guidance to attract and retain customers. They understand 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. They accurately complete everyday banking transactions on the teller line or platform, uncovering customer financial needs and educating on products, services, and tools or referring to the appropriate expert. They service customers on both the teller line and platform, with the ability to open/close personal deposit accounts, handle everyday bank transactions, debit/credit card issues, Regulation E, and mobile and on-line (digital) banking. They connect with customers, provide financial advice, and deepen relationships through lead management activities, including the creation & management of self-generated leads, management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization.

Requirements

• High school diploma or GED
• 1 year experience working with customers in any capacity and can be demonstrated through any of the following: volunteering, education, military experience preferred
• Demonstrated Customer Service skills preferred
• Ability to work during operating hours to include 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 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 authentication principles, compliance regulations and due diligence to new account openings and transactions
• Cash drawers including maintaining cash limits and securing cash drawers/stations/balances out cash drawer and TCR
• Policy and procedure for Customer Authentication
• Dual Control agent when required
• Required open/close procedures
• TD Model, Brand and Culture
• Personal performance and development activities
• Brand champion both internally and externally
• Teamwork
• Attention to quality standards
• Ownership of own career and aspirations
• Diverse feedback to continuously develop and enhance skills
• Embraces change
• TD's Shared Commitments
• Quality service at every Customer interaction
• Advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience.

Nice To Haves

• Volunteering, education, military experience preferred
• Demonstrated Customer Service skills preferred
• Teller experience preferred
• Notary License preferred

Responsibilities

• Accurately completing everyday banking transactions.
• Providing advice and educational support on services, products, and tools to help Customers achieve their financial goals.
• Processing customer transactions.
• Opening new accounts.
• Educating customers on all banking products and services.
• Delivering end-to-end advice by building trust with educational content & tools, providing consultative support, and advocating with proactive insights & recommendations.
• Utilizing TD's systems and tools to engage with Customers to acquire and deepen relationships by providing advice and guidance to ultimately attract, and retain the customer.
• Understanding 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 completing 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.
• Servicing the customer, 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 on-line (digital) banking.
• Connecting with customers, providing financial advice, and deepening relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization.
• 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 while 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.
• Ensures compliance when completing operational activities in accordance with company guidelines and regulations such as 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 & processes everyday transactions such as but not limited to 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 as 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.
• 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.

Benefits

• Base salary
• Variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan)
• 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
• Reward and recognition

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED