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About the Role

The Retail Banker I is a customer liaison integral to delivering TD’s Brand promise by utilizing financial expertise and consultative advice to assist Customers with their banking solutions and needs. This role contributes to achieving business objectives that enable growth through identifying appropriate TD solutions that help Customers achieve their financial goals and optimize their relationship with TD.

Responsibilities

Educate customers on Bank products and services or refer them to appropriate team members or internal Bank partners, ensuring a positive customer experience.
Establish and nurture customer relationships by consistently displaying product knowledge, actively listening to customer needs, and identifying additional needs to offer solutions or partner referrals.
Make product recommendations based on customer needs, highlighting features and benefits that support customers, save time and money, and exceed their needs.
Utilize customer relationship management tools to play a key role in customer assessments, proactively identify customer solutions, and engage in lead-focused outbound sales activities.
Independently resolve customer issues, errors, and problems, escalating when necessary.
Build working relationships with customers and explain detailed or complicated information.
Participate in customer outreach, servicing, and advice activities to deliver on our unexpectedly human promise.
Engage in conversations with customers about loan products and facilitate application intake.
Deliver Legendary customer experience by helping customers, building relationships, and providing service and advice.
Understand and support the Bank's Customer Service Strategy, delivering expected end-to-end advice.
Serve as a customer advocate in improving customer financial confidence, providing customer resolution, proactive tips, and insights on saving time and money.
Consistently execute appropriate behaviors to deliver a Legendary Customer experience.
Engage in lobby leadership by orchestrating customer flow, warmly welcoming, discovering initial needs, and guiding customers appropriately.
Understand customer preferences with banking and educate customers on self-service options.
May act as a point of escalation for customer questions or concerns.
May perform a variety of teller transactions, monitoring fraud mitigation and adhering to operational policies and procedures.
Consider the impact of decisions on the well-being of TD, its customers, and stakeholders.
Act as a brand champion both internally and externally.
Recognize transaction needs and educate clients on self-service channels, including digital options.
Turn each banking transaction into a personalized interaction.
Ensure compliance when completing operational activities in accordance with company guidelines and regulations to minimize risk and protect the customer.
Participate in daily store operations to ensure alignment with TD's risk framework.
Understand and apply operating policies and procedures.
Support the timely and accurate completion of business processes and procedures.
Escalate non-standard or high-risk transactions/activities as necessary.
Ensure prepared/completed documentation is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulations.
Ensure necessary due diligence to support the accuracy of all customer transactions/activities.
Comply with Bank Code of Conduct.
Contribute to business objectives for Operational Excellence by fully understanding accountability in driving an operationally sound location.
Execute with excellence by adhering to all risk and control policies/procedures.
Participate fully as a member of the team, support a positive work environment, and ensure timely communication of issues/points of interest.
Enhance knowledge/expertise in own area and participate in knowledge transfer within the team and business unit.
Participate in personal performance management and development activities.
Keep others informed about the status/progress of projects and/or relevant information.
Contribute to a fair, positive, and equitable environment that supports a diverse workforce.
Act as a brand ambassador for your business area/function and the Bank.
Utilize feedback through coaching sessions to demonstrate stronger performance.
Establish relationships with partner bankers to make effective referrals.
Contribute to a positive work environment by aligning to TD Model, Brand, and Culture.
Collaborate with team members in contributing to the success of the team and organization.
Actively seek opportunities to improve delivery of work with high attention to quality standards.
Actively take ownership of own career and aspirations, seeking diverse feedback to continuously develop and enhance skills.
Positively embrace change.
Adhere to and participate in TD's Shared Commitments and code of conduct expectations.
Engage in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda and creates an extraordinary employee experience.

Requirements

Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
Must be able to complete teller training upon hire to take customer transactions.
Demonstrated ability to engage in customer conversations while educating them on products and services preferred.
Demonstrated organization skills to handle multiple tasks in a fast-paced environment.
Excellent communication skills with ability to be concise, clear and consistent.
Demonstrated ability to schedule and prioritize work.
Demonstrated ability to work independently and within deadlines.
Sound judgment in decision making and effective problem solving.
Proficient in Microsoft Office.
This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007.
Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36.
Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007.
Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position.

Skills

Financial expertise
Consultative advice
Product knowledge
Customer relationship management
Problem solving
Microsoft Office proficiency
Communication skills
Organization skills
Scheduling
Prioritization
Judgment
Sales activities

Location

New York, New York, United States of America

Work Type

Full-time

Experience Level

1+ years' experience working with customers and/or sales in any capacity or equivalent demonstrated through volunteering, education, military experience preferred.
Teller experience preferred.

Education Level

HS Diploma or GED
Notary License (Preferred)

Salary/Compensations

$24.25 - $32.50 USD

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 programs

About the Company

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores.
Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world.
More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience.
TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing.
Together, we are reimagining what banking can be for our clients, colleagues and communities.

Equal Opportunity

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.