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Personal Financial Advisor (PFA)

Company: Toronto-Dominion Bank (TD)
Location: Greenville
Posted on: May 3, 2021

Job Description:

Company Overview 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 more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at . 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 .Department Overview These roles will be an internal sales role position and have a specialized incentive target. These roles will be situated in Greenville, SCJob Description The Personal Financial Advisor (PFA) I works from a centralized hub with clients in the Mass Affluent (MA) segment to attract and retain clients by addressing their wealth management needs. The PFA I meets remotely with prospects and clients to understand their long-term financial goals, objectives and risk tolerance by analyzing their financial information including but not limited to their income, assets and liabilities. The PFA I recommends personalized investment and insurance solutions to meet the client's objectives. The PFA I will be part of a sales desk team responsible for developing and maintaining TD Wealth's client base from several sources including Retail Store referrals from stores without Financial Advisors, digital prospects, marketing lead lists & accounts transitioned from a field Financial Advisors to the central desk. The PFA I possesses broad knowledge and the ability inform and educate clients on the financial markets and market conditions. As a fiduciary the PFA I puts the client's financial interests first when providing ongoing objective financial advice, long-term retirement planning and when conducting annual reviews to determine if there have been changes in their financial status or goals. The PFA I will be part of a team that collectively is responsible for all aspects of maintaining client relationships by providing on-going advice, planning and day to day account servicing.Requirements Analyzes client's financial information to determine appropriate investment and insurance strategies and productsBuilds a client base by acquiring new clients on an ongoing basisMaintains existing client base keeping client information up to dateRetains a book of business through relationship management and periodic updates to client's financial plan as neededMeets quarterly and annual sales goalsProficient in Fin-Tech software to effectively track client engagement and provide adviceEnsures all new clients receive the complete on-boarding experience, which includes:A thorough client discovery leading to a truly exceptional client experienceCompletion of a financial needs analysis to provide goals-based adviceCompletion of all requisite client onboarding documentsEffectively implements 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 contactsServes as a central sales and planning point of contact for TD Mass Affluent clients, without a local FA relationship, who have a Wealth need; service all aspects of the client's relationship and submits appropriate referrals to all relevant partners, including local field FAsAnticipates client's needs and suggests the most appropriate Wealth solutionsExecutes in a manner that is compliant with regulations, policies and proceduresAdheres 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 attainedResponsible for understanding and adhering to TD Bank & TD Wealth Policies and ProceduresResponsible 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 proceduresUncovers clients asset and transitions higher threshold clients to appropriate HNW Wealth partners as neededResponsible for fostering and contributing to a positive and constructive work environment with a focus on supporting the overall Wealth teamContributes individually, as a team member and as a mentor to new FAs, to ensure strong performance, collaboration and enthusiasmRepresents TD Wealth to the general public in a professional mannerBe involved in the community and support TDBG charity and community initiatives Must be eligible for employment under regulatory standards applicable to the position. Qualifications Bachelor's degree preferred2+ years of financial services industryValid and active Series S65 is required, or obtained within allotted time periodA valid and active Life & Health insurance license is required, or obtained within allotted time periodUnderstanding wealth management business development techniques, products, services and overall industry.Understanding and experience with retail and small business banking and experience interacting with Mass Affluent and HNW clientsConsultative sales experience preferred.Ability to establish relationships and partner effectively with other departments OCC Language: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 FINRAMust 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 FINRASatisfactory 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 positionHours 40InclusivenessAt 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.

Keywords: Toronto-Dominion Bank (TD), Greenville , Personal Financial Advisor (PFA), Other , Greenville, South Carolina

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