Retail Banker I (US) - Arlington, MA

TD Bank • Arlington, MA

5d • Onsite

About The Position

The Retail Banker I is a banking professional who delivers TD’s relationship-driven banking experience by partnering with clients to help them achieve their financial goals. The role acquires and deepens client relationships through consultative engagement, product knowledge, personalized solutions, and disciplined execution, while meeting TD’s risk and regulatory standards.

Based in a bank location, the Retail Banker engages walk-in clients, manages leads, and conducts outbound outreach. The banker discovers client needs, explains relevant options and potential risks in clear language, recommends appropriate products, services, or partners, and establishes follow-up. The role provides ongoing client guidance on TD products, services, and digital capabilities; handles concerns; and supports mortgage inquiries and referrals. It also requires accurate documentation, client identification and authentication, risk awareness, regulatory compliance, teamwork, and ongoing training.

Requirements

• High school diploma or GED, or an equivalent combination of education and experience.
• At least 1 year of experience engaging with clients in a service, sales, or relationship-building environment.
• Experience educating clients about products and services in a consultative manner.
• Ability to communicate clearly and effectively with clients and colleagues.
• Ability to manage multiple tasks, prioritize work, and meet deadlines in a fast-paced environment.
• Sound judgment and problem-solving skills in client interactions.
• Basic proficiency with Microsoft Office or similar workplace technologies.
• Ability to complete required job-related training upon hire.
• Ability to obtain and maintain active registration with the Nationwide Mortgage Licensing System and Registry (NMLS), as required for the role.
• Eligibility for employment with a covered financial institution under Regulation Z standards.
• Eligibility for registration as a mortgage loan originator with NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required applicant statements or certifications regarding government-agency findings.

Nice To Haves

• Teller or cash-handling experience in a financial institution.
• Notary license, or ability to obtain one.

Responsibilities

• Engage walk-in clients, manage leads, and conduct outbound outreach to acquire clients and build relationships.
• Conduct meaningful, goals-based discovery to understand client needs and priorities.
• Explain relevant banking options, including features, benefits, and potential risks, in clear and transparent language.
• Recommend personalized solutions and next steps, connecting clients with appropriate products, services, or partners.
• Execute accurately, document client information, establish follow-up, and support clients’ long-term financial progress.
• Educate clients about TD products, services, and digital capabilities to simplify banking and support financial wellness.
• Build client relationships through consistent, personalized interactions and a client-first approach.
• Accept mortgage inquiries, refer clients for mortgage solutions, and conduct other residential lending activities as applicable.
• Serve as the primary point of accountability for client concerns, resolving issues where possible and escalating them when needed.
• Balance client needs with risk and compliance requirements; verify client identification and follow established authentication and documentation standards.
• Identify discrepancies, material changes, or risk indicators and escalate them according to policy and procedure.
• Complete operational activities in compliance with company guidelines, AML laws, and regulatory requirements.
• Complete required training and strengthen risk and compliance knowledge.
• Share insights, lessons learned, and best practices; collaborate with colleagues and contribute to a positive team environment.
• Participate in performance and development activities and uphold TD’s code of conduct, brand, and culture.

Benefits

• 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
• Training and onboarding
• Access to an online learning platform and mentoring programs
• Eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan

What This Job Offers

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