Payments & Deposit Operations Representative IV (US)

TD Bank•Mount Laurel, NJ

5d•$24 - $34•Onsite

About The Position

The Payments & Deposit Operations Representative IV provides a broad range of operational support and perform general to specialized transactions and/or other processing activities. May contribute to analysis/ reporting on projects to support process improvement. Offer comprehensive knowledge and/or guidance related to partners business area, determining solutions to customer problems based on a clear understanding of their needs. Depth & Scope: Works within broad and/or non-standard parameters, involving multiple steps, systems, and jurisdictions and where there could be a lack of market standard/practice, referring to a more senior role when necessary Top level expert on products, end-to-end processes and systems for own specialized area Transactions and activities require top level expertise across a broad range or variety of products, processes or systems and where transactions could be characterized by moderate to high volatility Transactions are characterized by moderate to high risk/financial impact Low to moderate decision-making authority within defined parameters Provides process/policy guidance to others – internal partners and external customers (as needed) May act as a primary coordinator on small scale initiatives or work stream packages for assigned area Focus of work is daily, weekly, monthly and/or longer with addition of ad-hoc and initiative-based requests, as required Generally interacts with internal partners and external customers for functions performed May interact with cross-functional teams and/or involving external contacts Requires advanced knowledge of the business unit and operational functions for the business area supported and a general understanding of regulatory issues/requirements for jurisdictions supported

Requirements

High School diploma, Undergraduate degree preferred
1+ year of experience
Advanced knowledge of the business unit and operational functions for the business area supported and a general understanding of regulatory issues/requirements for jurisdictions supported

Responsibilities

Executes more complex transactions and overrides accurately, on time and in line with established guidelines/procedures while adhering to formal or informal Service Level Agreement(s) (SLAs)
Refers or escalates processing or operational issues as needed based on a solid understanding of the issue, connecting with the appropriate function/partner to facilitate resolution and ensures that service quality is maintained
Identifies opportunities to improve service delivery
Provides accurate and thorough analysis of key process drivers, root or systemic causes of cross functional operational issues, interprets findings and makes recommendations
Supports partners with both inbound and outbound requests from various channels, answering questions to perform adjustments within authority levels
Prioritizes and completes own workload to meet SLA requirements for service and productivity and/or support team manager in prioritizing and managing team workload
Actively maintains understanding of internal and industry regulations and trends, developing and sharing knowledge of emerging issues/risks, and assesses potential impacts as it relates to operating policies, standards and procedures
Consistently exercises discretion in managing correspondence, information and all matters of confidentiality
Supports development and/or implementation of standards, policies, procedures, and solutions that mitigate risk and maximize availability of service, efficiency and effectiveness
Contributes to the development/delivery of presentations/communications to management or broader audiences
Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
Adheres to enterprise frameworks and methodologies that relate to operations activities for own area (e.g. Anti-Money Laundering, Business Continuity Management)
Supports change management projects or programs that impact the business, functions or processes and ensures clear communication and documentation of new processes
Identifies, leads and actively participates in process improvements and determines solutions that will allow business to grow
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures the timely communication of issues/points of interest
Supports the team by actively building operations knowledge, thinks critically about processes and opportunities for improvement, shares ideas and transfers knowledge within the team, across the function, and with partners (e.g., audit, business insights)
Provides training, coaching and/or guidance to others on the team
Participates in personal performance management and development activities, including cross training within own team and other teams in the operations function
Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other departments
Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
Contributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Engages and liaises with contracted external vendors to support, solution, and supplement business needs and processes
Acts as a brand ambassador for the function and the bank, both internally and/or externally

Benefits

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.

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