New York, New York

TD Description

About TD Bank, America's Most Convenient Bank®
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at and

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol \"TD\". To learn more, visit

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Department Overview

Joining TD Bank as a Financial Advisor Trainee, will not be a job, but a career. If you are a performance-driven individual, are a focused and dedicated professional with a drive to achieve, the Financial Advisor Trainee position with TD Bank is the position for you. TD's Financial Advisor Trainee are supported and are given the tools to succeed along with having the ability to grow within the TD footprint.

Job Description

The Financial Advisor Trainee role is intended to be a transitional role where in addition to the below responsibilities, it is expected you learn the requisite set of skills to qualify for the role of Financial Advisor in the expected time frame.

Once the Trainee program is complete you will be transitioned into an FA role and will need to be able to attract and retain clients, in the Mass Affluent segment by addressing their wealth management advisory needs. You will meet with prospects and clients to analyze their financial information, including income, cash flow, assets and liabilities, analyze and understand their short and long term financial goals, educate and advise prospects and clients regarding investment and insurance strategies and products, and recommend personalized/tailored investment and insurance strategies and products to meet their financial and wealth creation objectives.

You must possess broad knowledge, and the demonstrated ability to inform, educate and advise clients, with respect to financial analysis, financial markets, financial goals, investment and insurance strategies and products, and wealth management. You must also possess strong interpersonal skills in order to develop a thorough understanding of each client's individual circumstances and a lasting role as the client's advisor. As an FA you will be a fiduciary, and will put the client's financial interests first when providing ongoing objective financial advice, long-term retirement planning, and annual reviews to determine if there have been changes in the client's financial status or goals or the need for different strategies or products. Once transitioned to an FA role you will be responsible for all aspects of developing and maintaining client relationships by providing on-going consultation, advice, planning and day to day account servicing.

As an FA, you will need to rely on relationship building skills and the ability to influence in order to develop their client base and meet their assigned goals. Once assigned a territory, you will educate and coach Retail Store staff to identify referral prospects. You will need to be able to identify enterprise opportunities and engage key partners across the organization as appropriate/necessary

Job Requirements

  • Must be eligible for employment under regulatory standards applicable to the position.

  • Obtains the requisite set of skills to qualify for the role of Financial Advisor within a specified time frame
    Actively calls and meets with TD Bank customers and prospects with the goal to deepen customer relationships, assist with customer service issues, and identify customer financial needs
    Utilizes a financial needs assessment tool to identify annuity and insurance sales opportunities as well as referral opportunities to TD Wealth businesses and affiliates
    Meets the insurance agency requirements, policies and procedures to effectuate annuity and insurance sales, including for qualified accounts in accordance and compliance with all of TD Wealth's policies and procedures
    Recommends and provides direct sales and fulfillment of insurance and annuity solutions, where suitable
    Provides TD Bank employees information and education on wealth products & service offerings, including training on annuities and insurance products
    Provides sales training on annuity and insurance offerings for TD Bank licensed insurance agents
    Maintains on-going relationships with insurance and annuity clients and refers to TD Wealth businesses and affiliates based on customer wants and needs
    Responsible for all aspects of insurance and annuity business in their region, including sales and renewal process, application intake, delivery, and other servicing needs
    Maintains close relationship with Insurance Companies to achieve excellent customer service
    Develops detailed understanding of products and services offered within TD Wealth businesses and affiliates in order to make appropriate referrals for each customer
    Maintains expert knowledge of the annuity and insurance products, local market, competitive offers, economic and regulatory trends
    Responsible for accurate and complete reporting, as required by management
    Meets regularly with Retail Bank employees to educate on annuity and insurance products and offerings from TD Wealth businesses and affiliates


    Bachelor's Degree or equivalent experience
    2 + years of financial services related experience at a retail bank level
    1+ years of Life Insurance sales experience
    Completion of TD Wealth's IRA certification training program
    Required Licenses or Registrations (or ability to obtain within Licensing & Registration Schedule): Life/Health, Series 65 (or equivalent)
    Self-directed, with developing ability to plan own activities to achieve sales and referral goals
    In-depth knowledge of Insurance and Annuity products, features, benefits, suitability and industry regulations
    General understanding of wealth products and services
    Strong verbal and written communication skills
    Strong organization and time management skills


    At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

    If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

    EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

    New York, New York

    Opportunity awaits at TD Bank...join us!

    As America's Most Convenient Bank, we need to WOW! our customers every day! That's why we're looking for talented, motivated people with a passion for excellence, a focus on the customer and the drive to Build The Better Bank. If you have what it takes to be a part of something legendary – we have an opportunity for you!

    Come grow with us!
    Whether you have years of banking experience and are looking for a different kind of bank, or if you're beginning your career in financial services, we have opportunities for you. With award-winning career training programs, competitive salaries and incentives, full and part-time schedule choices, and a complete range of benefits, this is the place to be!

    Are you ready?
    Get started by checking out the exciting opportunities available at TD Bank.

    Are you already a TD Bank Employee? Please visit TD Bank's company intranet to apply for your next position.

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