Work Location:
Falmouth, Massachusetts, United States of America
Hours:
40
Pay Details:
$90,000 - $90,000 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. 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.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
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Line of Business:
TD Wealth
Job Description:
The Transitional Financial Advisor (TFA) role is a three-year program with a draw, for financial advisors or planners who will be providing financial planning guidance & selling investment management solutions.
A Transitional FA will need to leverage their experience to service the unique and complex needs of clients in the Mass Affluent (MA) segment by identifying needs, reviewing financial goals and making investment recommendations aligned to their client's goals. The role will serve as the central point of contact, responsible for providing client service & developing the relationship to achieve greater share of wallet by helping clients achieve their goals related to asset accumulation, preservation, growth, and protection.
Depth & Scope:
- Experience selling investments and providing financial plans
- Demonstrates a commitment to being customer-centric by delivering legendary service during every customer interaction to maximize retention and growth
- Ensures all NEW clients receive the complete on-boarding experience, which includes: a thorough client discovery, completion of a financial needs analysis to provide goals-based advice, an introduction to the centralized client servicing team as per client need, and completion of all requisite client documents
- Ability to partner and promote lead generation
- Manages goals, prioritizes tasks and comfortable working in a fast paced environment
- Ensures all new & existing clients are provided with a MA Planning Experience
- Effectively implement a process to ensure every client receives an Annual Client Review (ACR) meeting with an enhanced agenda focused on the client's overall wealth needs, as well as pro-active contacts
- Serves as the primary point of contact for TD Wealth client relationships for MA segment; manages all aspects of the client's relationships with TD Bank and refers to Retail and Wealth partners & affiliates as needed
- Implements and executes a differentiated service model/experience for MA clients
- Meets quarterly and annual sales goals
- Deepens wallet share by anticipating client needs and suggesting the most appropriate Wealth solutions. Maximizes profitability, while ensuring the client receives an exceptional client experience
- Identifies opportunities within your portfolio and network to refer business to Retail and Small Business/Commercial Partners
- Executes in thorough manner that is compliant with regulations, policies and procedures
- Adheres to all federal, state, SRO regulations and Firm policies related to all business activities (e.g. OCC, SEC, State Insurance Commissioners, NY Department of Financial Services, etc.)
- Ensures all Continuing Education requirements are attained
- Responsible for understanding and adhering to TD Bank & TD Wealth Policies and Procedures
- Responsible for implementing TD's Customer Identification Program (CIP) by collecting and verifying required customer identification information, and performing other Customer Due Diligence and Enhanced Due Diligence Requirements as outlined in the Business Unit AML procedures
- Uncovers client's asset and transitions higher threshold clients to appropriate HNW Wealth partners as needed
- Responsible for fostering and contributing to a positive and constructive work environment with a focus on supporting the overall Wealth team
- Provides coaching, Wealth referral training & on-going feedback to Retail and Small Business staff
- Contributes individually, as a team member and as a mentor to new FAs, to ensure strong performance, collaboration and enthusiasm
- Represents TD Wealth to the general public in a professional manner
- Is involved in the community and support TDBG charity and community initiatives
Education & Experience:
- 4-year degree required or equivalent work experience
- 2+ years of selling investments & providing financial planning with a track record of success
- In-depth knowledge of investment products and services
- Series 65 or 66 required
- Series 7 or ability to obtain within 90 days
- Life and Health insurance licenses required, or ability to obtain within licensing and registration schedule
- Advanced understanding of wealth management business development techniques, products, services and overall industry
- Proven ability to achieve sales goals
- Proficient with retail and small business banking
- Proven ability to establish relationships and partner effectively with other departments within TD Bank, America's Most Convenient Bank
- Ability to travel within assigned Market to meet prospects, clients and partners
- Driver's License required in select territories based on geographical coverage
Customer Accountabilities:
- Understands and supports the Bank's Customer Service Strategy
- Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
- Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
- Models quality service delivery at every interaction
- Leads and contributes to the ongoing improvement of the partner / Customer experience
Employee/Team Accountabilities:
- Is engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and create an extraordinary employee experience
- Participates fully as a member of the team and contribute to a positive work environment
- May provide leadership, training, and guidance to other team members
- Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest
- Actively shares information and knowledge, and proactively learn from the expertise of others
OCC:
- This position is with a FINRA member, broker and/or dealer and is subject to the requirements of FINRA and Securities Laws. May (or may not) be a registered position under FINRA.
- Must be eligible for employment under standards established by FINRA. Subject to the investigation and verification requirements of FINRA Rule 3110(e), including: the Firm's obligation to investigate the good character, business reputation, qualifications and experience of an applicant for registration before applying to register the applicant with FINRA and filing the applicant's Form U4 with the CRD, and before representing on the applicant's Form U4 that it has conducted this investigation and verified the accuracy and completeness of the information contained in the applicant's Form U4; and the Firm's obligation to verify the accuracy and completeness of the information contained on the applicant's Form U4, no later than 30 calendar days after the Form U4 is filed with FINRA.
- Satisfactory results on a criminal background check, credit report check, civil litigation search, and regulatory agency or self-regulatory organization enforcement action search, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority or self-regulatory organization, are required by federal law for this position.
Who We Are:
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
Our Total Rewards Package
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) 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. Learn more
Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
If you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.