Banking Associate - Bridgewater (30 hour)

Work Location: Bridgewater, New Jersey, United States of America

About the role

The Banking Associate is a professional in banking who 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.

Performs 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 customers expect by building trust with educational content and tools, providing consultative support, and advocating with proactive insights and recommendations.

Responsibilities

• Utilize TD's systems and tools to engage with customers to acquire and deepen relationships by providing advice and guidance to attract and retain customers.
• 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.
• 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.
• Service 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 online (digital) banking.
• Connect with customers, provide financial advice, and deepen relationships through lead management activities including the creation and 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.
• Consistently provide legendary customer service while transacting, promoting, educating, and referring TD products to new and existing customers.
• Establish and nurture customer relationships by displaying product knowledge, actively listening to customer needs, and engaging in additional conversations to identify needs and offer solutions or partner referrals.
• Manage wait times to meet with a Banker by scheduling, rescheduling, or canceling client meetings.
• Engage in lobby leadership and represent the first point of contact for customer inquiries, helping to orchestrate customer walk-in traffic, and being the first point of contact for customer resolution or to make appointments to see an expert.
• Understand and support the Bank's customer service strategy and consider the impact of decisions on the well-being of TD, its customers, and stakeholders.
• Drive referrals to store colleagues and partners to support the broader, more complex financial needs of customers.
• Ensure tasks are performed within established policy and procedures and successfully complete all required job-specific, compliance-related training.
• Understand, utilize, and follow compliance/risk and control programs, ensuring ongoing compliance with internal/external audit and regulatory requirements.
• Provide prompt and comprehensive responses to all external audit, regulator, and compliance requests and findings, maintaining appropriate records of action plans.
• Ensure 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 process cash/deposit/withdrawal transactions and other account servicing requests.
• Make decisions and process everyday transactions such as opening/closing, servicing accounts, depositing or cashing checks, reordering a debit card, or updating address.
• Apply customer authentication principles, compliance regulations, and due diligence to new account openings and transactions.
• Accurately and efficiently perform transactions, maintain cash drawers including securing cash drawers/stations, balance out cash drawer, and follow TCR procedures.
• Follow policy and procedure for customer authentication and act as a dual control agent when required.
• Follow all required open/close procedures.
• Contribute to a positive work environment by aligning to TD’s model, brand, and culture by participating fully as a member of the team.
• Be an active participant in personal performance and development activities.
• Act as a brand champion both internally and externally and collaborate with team members to contribute to the success of the team and organization.
• Actively seek opportunities to improve delivery of work with high attention to quality standards and take ownership of your career and aspirations.
• Positively embrace change and adhere to TD's shared commitments.
• Model quality service at every customer interaction and be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda.
• May train and act as a mentor to newer colleagues.

Requirements

• High school diploma or GED.
• 1 year of experience working with customers in any capacity, which can be demonstrated through volunteering, education, or 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 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).

Physical Requirements

• Domestic Travel: Occasional (1-33%)
• International Travel: Never (0%)
• Performing sedentary work: Frequent (34-66%)
• Performing multiple tasks: Continuous (67-100%)
• Operating standard office equipment: Continuous (67-100%)
• Responding quickly to sounds: Continuous (67-100%)
• Sitting: Frequent (34-66%)
• Standing: Frequent (34-66%)
• Walking: Frequent (34-66%)
• Moving safely in confined spaces: Occasional (1-33%)
• Lifting/Carrying (under 25 lbs.): Occasional (1-33%)
• Lifting/Carrying (over 25 lbs.): Occasional (1-33%)
• Squatting: Occasional (1-33%)
• Bending: Occasional (1-33%)
• Kneeling: Occasional (1-33%)
• Crawling: Occasional (1-33%)
• Climbing: Occasional (1-33%)
• Reaching overhead: Occasional (1-33%)
• Reaching forward: Occasional (1-33%)
• Pushing: Occasional (1-33%)
• Pulling: Occasional (1-33%)
• Twisting: Occasional (1-33%)
• Concentrating for long periods of time: Continuous (67-100%)
• Applying common sense to deal with problems involving standardized situations: Continuous (67-100%)
• Reading, writing, and comprehending instructions: Continuous (67-100%)
• Adding, subtracting, multiplying, and dividing: Continuous (67-100%)

Pay

$23.75 - $31.00 USD per hour. TD is committed to providing fair and equitable compensation opportunities to all colleagues. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

Benefits

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).
• 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.

Colleague development opportunities include regular development conversations, training programs, and access to an online learning platform and mentoring programs to help unlock future opportunities.