Banking Associate - West Peabody, MA

Work Location, Hours, Pay, and Line of Business Work Location: West Peabody, Massachusetts, United States of America. Hours: 40. Pay: $22.00 - $27.75 USD. Line of Business: Personal & Commercial Banking. Job Description The Banking Associate is a professional in banking that plays a key role in delivering TD’s Brand promise at a store location. It 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. Depth & Scope Processes customer transactions. Opens new accounts and educates customers on all banking products and services. Delivers end-to-end advice customers expect: building trust with educational content and tools, providing consultative support, and advocating with proactive insights and recommendations. Utilizes TD’s systems and tools to engage with customers, acquiring and deepening relationships through advice and guidance to ultimately attract and retain customers. 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. Accurately completes 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. Serves customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, Regulation E, mobile and online (digital) banking. Connects with customers, provides financial advice, and deepens relationships through lead management activities including the creation and management of self-generated leads, management of partner/retail referral leads or campaign leads, outbound calls, relay SMS, setting and/or hosting appointments, and lead prioritization. Education & Experience High school diploma or GED. 1 year experience working with customers in any capacity, 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 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. Customer Accountabilities Consistently provides legendary customer service while transacting, promoting, educating, and referring TD products to new and existing customers. Establishes and nurtures customer relationships by consistently displaying product knowledge and actively listening to customer needs while engaging in additional conversations to identify any additional needs and offer a solution or partner referral. Manages wait times to meet with a banker by scheduling, rescheduling, or canceling client meetings. Engages in lobby leadership and represents the first point of contact for customer inquiries and helps to orchestrate the customer walk‑in traffic and can be the first point of contact for customer resolution or to make appointments to see an expert. Understands and supports the bank’s customer service strategy. Considers the impact of decisions on the well‑being of TD, its customers, and stakeholders. Drives referrals to store colleagues and partners to support the broader more complex financial needs of customers. 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. Is knowledgeable of and complies with TD Code of Conduct. Shareholder Accountabilities Ensures 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 processes cash/deposit/withdrawal transactions and other account servicing requests. Decides & processes everyday transactions such as opening/closing, servicing accounts, depositing or cashing checks, reordering a debit card, or updating 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 as accountable for cash drawers including maintaining cash limits and securing cash drawers/stations/balances, out cash drawer, and TCR. Follows policy and procedure for Customer Authentication Acts as a Dual Control agent when required. Follows all required open/close procedures. Employee/Team Accountabilities Contributes to a positive work environment by aligning to TD Model, Brand, and Culture by participating fully as a member of the team. Be an active participant 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. Partners as a team player. Actively seeks opportunities to improve delivery of work with high attention to quality standards. Actively takes ownership of own career and aspirations, seeking 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. Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%; Domestic Travel – Occasional International Travel – Never Performing sedentary work – Frequent Performing multiple tasks – Continuous Operating standard office equipment – Continuous Responding quickly to sounds – Continuous Sitting – Frequent Standing – Frequent Walking – Frequent Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Occasional Squatting – Occasional Bending – Occasional Kneeling – Occasional Crawling – Occasional Climbing – Occasional Reaching overhead – Occasional Reaching forward – Occasional Pushing – Occasional Pulling – Occasional Twisting – Occasional Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous ADA Statement The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Accommodation & Equal Opportunity Accommodation 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 View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr