Bilingual Spanish or Portuguese preferred

TD•Delran, NJ

19h•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. This role performs a wide range of tasks across multiple areas within a Store location; to include processing customer transactions, opening new accounts and educating customers on all banking products and services. The associate delivers end-to-end advice customers expect by building trust with educational content & tools, providing consultative support, and advocating with proactive insights & recommendations. They utilize 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. The associate 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. They accurately complete 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. The associate services 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. They connect with customers, provide financial advice, and deepen 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.

Requirements

High school diploma or GED
1 year experience working with customers in any capacity (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

Nice To Haves

Bilingual Spanish or Portuguese preferred
Volunteering experience
Education experience
Military experience
Demonstrated Customer Service skills
Teller experience
Notary License

Responsibilities

Processes customer transactions, opens new accounts and educates customers on all banking products and services.
Delivers end-to-end advice to customers, building trust with educational content & tools, providing consultative support, and advocating with proactive insights & recommendations.
Utilizes TD's systems and tools to engage with Customers to acquire and deepen relationships by providing advice and guidance.
Identifies opportunities to promote and educate on products and services, or refers customers to the appropriate team member or internal Bank partner.
Accurately completes everyday banking transactions, uncovers customer financial needs, and educates on products, services, and tools or refers to the appropriate expert.
Services customers on the teller line and platform, including opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Connects with customers, provides financial advice, and deepens relationships through lead management activities.
Manages self-generated leads, partner/retail to retail referral leads, and campaign leads.
Conducts customer outreach via outbound calls and SMS, sets/hosts appointments, and prioritizes leads.
Consistently provides legendary customer service while transacting, promoting, educating, and referring TD Products to new and existing customers.
Establishes and nurtures customer relationships by displaying product knowledge, actively listening to customer needs, and offering solutions or partner referrals.
Manages wait times by scheduling, rescheduling, or canceling client meetings.
Engages in lobby leadership, acts as the first point of contact for customer inquiries, orchestrates customer walk-in traffic, and resolves issues or makes appointments.
Understands and supports the Bank's customer service strategy.
Drives referrals to Store colleagues and partners to support customer financial needs.
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.
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 and processes everyday transactions such as opening/closing accounts, servicing accounts, depositing or cashing checks, reordering a debit card, or updating an 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, including managing cash drawers, maintaining cash limits, and securing cash drawers/stations/balancing out cash drawers and TCRs.
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.
Participates fully as a member of the team.
Engages 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.
Acts as a team player.
Actively seeks opportunities to improve delivery of work with high attention to quality standards.
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.
Is 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

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