Greenville, South Carolina, United States of America **Hours:** 40 **Pay Details:** $125,000 - $187,000 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.
**Line of Business:**
Risk Management
**:**
Additional Job Description
**Department Overview:**
**As an expert credit professional, the Loan Review Senior Commercial Examiner serves as both a team leader and individual contributor within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios. The Senior Commercial Examiner independently conducts borrower file reviews, evaluates and responds to reviews completed by other Commercial Examiners, and provides leadership, in concert with the Examiner-In-Charge, relative to ongoing Examinations and continuous review testing activities.**
**Depth & Scope:**
**Serves as Team Lead for examinations. Plans for resources, workload assignments and monitors examination work in process throughout the examination; conducts and participates in the examination. Reads, assesses, and provides feedback regarding reviews completed by other Commercial Examiners to ensure accuracy, consistency and quality of assessments and conclusions**
**Conducts independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios to assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration**
**Interprets and applies Regulatory feedback and requirements as well as Bank policies and credit standards and evaluates adherence of reviewed credits to these policies, credit standards, risk limits, and Regulatory guidance**
**Analyzes and interprets borrower specific information, including an independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk**
**Utilizes independent judgment and subject matter expertise to develop and provide management with a risk rating assessment for all borrowers reviewed, ultimately in support of the Bank's Expected Loss determination**
**Participates in and contributes to risk rating discussions, both internally and with Line of Business partners.**
**Utilizes and applies subject matter expertise in development of job aids in support of Examination activites and other less-experienced Examiners**
**Interacts independently and professionally, both verbally and in writing, with lending and credit management staff in conjunction with loan reviews. Works productively to resolve any discrepancies and disputes with lending and credit management, incorporating Line of Business feedback in final assessments, where appropriate**
**Maintains an expert knowledge of Bank credit policies and procedures to measure appropriate adherence during loan reviews. Initiates professional development to stay well informed on credit products and structures, industry trends and regulatory changes**
**Produces workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review**
**Aids and assists in the professional development of other Commercial Examiners**
**Maintains confidentiality of customer information at all times**
**Performs other related duties as required**
**Education & Experience:**
**Bachelor's Degree in business or related field required. Strong preference for Finance or Accounting major or concentration, but actual work experience can offset a different degree type**
**Minimum of 10 years Commercial credit experience in loan review, credit** **underwriting/analysis,** **credit management, credit risk management, Commercial lending or Regulatory examinations**
**Expert knowledge of Commercial lending and credit analysis with extensive experience in corporate, syndicated and leveraged loans highly desired**
**Excellent verbal and written communication skills**
**Must be able to independently compile data collected during reviews and interpret the data in narrative and analytical form to present the resulting review findings to senior business management**
**Must be able to present well-formed and supported opinions of process, procedure and credit risk condition to senior business management**
**Must be able to prioritize and organize assignments and meet strict deadlines**
**Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems**
**Preferred Qualifications:**
**Highly competent in commercial credit analysis, credit risk assessment, and risk rating via Regulatory definitions**
**Flexible to manage multiple roles including individual contributions as an Examiner, broader oversight as a Team Lead, and special projects as assigned**
**Able to work well with and influence others over whom they have no direct management control**
**Effective collaboration and coaching via strong spoken and written communication**
**Highly organized and attentive to detail**
**Able to make observations and connections that may highlight potential credit risk**
**Able to determine, support, and advocate for a position based on available data and knowledge**
**Able to effectively communicate potential credit risk up to Exam Management**
**Able to navigate well potentially contentious circumstances**
**Physical Requirements:**
**Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%**
**Domestic Travel - Occasional**
**International Travel - Never**
**Performing sedentary work - Continuous**
**Performing multiple tasks - Continuous**
**Operating standard office equipment - Continuous**
**Responding quickly to sounds - Occasional**
**Sitting - Continuous**
**Standing - Occasional**
**Walking - Occasional**
**Moving safely in confined spaces - Occasional**
**Lifting/Carrying (under 25 lbs.) - Occasional**
**Lifting/Carrying (over 25 lbs.) - Never**
**Squatting - Occasional**
**Bending - Occasional**
**Kneeling - Never**
**Crawling - Never**
**Climbing - Never**
**Reaching overhead - Never**
**Reaching forward - Occasional**
**Pushing - Never**
**Pulling - Never**
**Twisting - Never**
**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**
**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.**
**\#** **LI-AMCBCorporate**
**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**
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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
$125k-187k yearly 34d ago
Looking for a job?
Let Zippia find it for you.
Data Steward I- Data Governance
TD Bank 4.5
TD Bank job in Wilmington, DE
Greenville, South Carolina, United States of America **Hours:** 40 **Pay Details:** $72,280 - $117,520 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.
**Line of Business:**
Data & Analytics
**Job Description:**
The Data Steward I provides data governance expertise and manages and / or executes data governance activities for a business or function. The role executes on business data strategy and deliverables in alignment with Data Policy, Standards and Strategy. The role also provides reporting, analysis, and assessments to support data governance within their business area or function. Appointed as a Data Steward for their business.
**Depth & Scope:**
+ Subject matter expert level professional role requiring in-depth knowledge / expertise with respect to data governance and data asset risk management for a given business line and working knowledge of broader related areas
+ Analyzes current and emerging data related risks in day-to-day activities, operations, products and services within the Business, to ensure activities are within TD's Risk Appetite and policies
+ Governs and manages data under their stewardship, acting as a focal point for data governance within the Line of Business
+ Ensures their Line of Business (LOB) adheres to data related policies, standards and meets requirements set out by the Enterprise Data and Information Management Policy and Standards
+ Creates, designs, implements, and maintains LOB-specific processes, templates, and appropriate mitigating controls, to support enterprise data policy and standards and ensure effective management and control of LOB data
+ Ensures data-related activities are compliant with applicable laws and regulations
+ Provides 1st line oversight of LOB data management activities, including metadata and data quality management, data retention and disposition within BAU processes, projects, programs and change initiatives
+ Escalates data risks and issues and analyzes and provides advice to business owners in developing and implementing action plans for data risk mitigation and issue resolution
+ Works in partnership with control partners (i.e., Technology Risk Management, Legal, Privacy, Office of the Chief Data Officer (OCDO), LOB First Line of Defense partners, etc.) to protect the Bank's data assets
+ Creates and delivers training programs and tools, and provides advice, to ensure the governance and oversight of data
+ Helps define the Line of Business data strategy
+ Promotes a strong data risk management culture
+ Acts as a subject matter expert within their own area of specialty or a resource for others
+ Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
+ Contributes to setting standards within area of expertise
+ Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders
+ Uses advanced methods to contribute to new solutions and recommend standards against which others will operate
+ Impacts a range of functional programs and operations across own and related teams
+ Analyzes guidelines, standards, policies and results of analysis to inform decision making at senior levels
+ Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels
+ Works independently as the senior technical lead and guides others within area of expertise
+ Analyzes and leads problem resolution for complex issues at all levels
+ Participates in project meetings/working sessions to provide advice on data governance requirements
+ Independently completes data impact assessments and provides direct input to project teams in how to appropriately safeguard and manage data.
+ Performs data quality analysis and assessment for critical business data and reports breaches through risk escalation forums.
+ Analyzes key business processes for the appropriate level of data controls, and advises on additional/revised controls if applicable.
+ Analyzes and documents metadata to support adherence to internal requirements and external regulatory requirements
+ Manages data risk across lifecycle of data element (production, movement and consumption) i.e., pRCSA review and approval
+ Establishes and maintains thought leadership of data driven considerations within the LOB as well as other 1B functions
+ Influences business to continuously review for emerging risks and provides advice on possible regulatory implications of risks and issues.
+ Proficiency in working across stakeholder teams to reach consensus on various topics in support of sound data management practices.
+ Analyzes business processes that are causing data quality issues and determines root cause for issues and business processes to prevent future issues.
+ Determines appropriate rules to evaluate the data quality at a data element level.
+ Works directly with senior members of project teams to confirm data governance requirements are delivered. Makes calculated compromises in support of projects to meet delivery dates while also delivering optimal data governance.
+ Provides input in how data management policies are operationalized within the line of business.
+ Analyzes key business processes for robustness of data controls and advises on changes/enhancements.
+ Advises on issues/challenges that should be taken into account within future business objectives.
+ Performs in-depth root cause analysis for data quality issues on behalf of management and stakeholder teams.
**Education & Experience:**
+ Undergraduate degree or technical certificate
+ 5+years of relevant experience
+ Proficient knowledge of data governance/data management practices, enterprise data policy, standards &strategy
+ Proficient knowledge of M&A due diligence process, LOB data strategy, data risk management, and data life cycle management
+ Knowledge of current and emerging competitor and market trends
+ Skill in using analytical software tools, data analysis methods and reporting techniques
+ Skill in mentoring/coaching others
+ Skill in using computer applications including MS Office
+ Ability to communicate effectively in both oral and written form
+ Ability to work collaboratively and build relationships
+ Ability to work successfully as a member of a team and independently
+ Ability to exercise sound judgement in making decisions
+ Ability to analyze, organize and prioritize work while meeting multiple deadlines
+ Ability to handle confidential information with discretion
**Preferred Qualifications:**
+ Experience with Data governance surrounding projects & data issues, governance control, and risk
+ Operational Risk experience
+ Familiarity with KPI's and metrics
+ Excellent attention to detail
+ Strong organizational and time management skills
+ Strong communication skills (written and verbal)
**Customer Accountabilities:**
+ Provides guidance to the Business on identification of critical data and critical data elements
+ Provides guidance and oversight on the business' metadata management and data quality tasks
+ Provides guidance and oversight on the business' data retention and disposition tasks
+ Partners with technology and architecture stakeholders to drive effective data activities for business
+ Acts as a SME and/or research and analyze data issues, remediate and implement changes in various data councils and other forums on behalf of their business
+ Provides specialized data governance / management advice / support to management / leadership and respective teams for area(s) of specialization with industry, external and internal, enterprise and business awareness; understands trends, identifies issues and opportunities and provides recommended action to management
+ Leads on the implementation of initiatives in support of the overall data policies, standards, and strategy
+ Manages a set data governance work activity requiring coordination across multiple areas
+ Supports / manages the integrated implementation of policies / processes / procedures / changes in across multiple functional areas
+ Provides data governance expertise and/or input to projects/initiatives as a representative for area of specialization, and where necessary participate in identifying, designing and testing solutions and supporting implementation activities
+ Participates in Segment Data Council meetings
+ Supports the identification of business data owners and business data SMEs for the LOB
+ Facilitates socialization and training of the LOB data governance and data management community on data policies, procedures, tools, and templates
**Shareholder Accountabilities:**
+ Supports the stewardship of data in accordance with the Enterprise Data Policy, Standards and Strategy
+ Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s)
+ Ensures respective programs / policies / practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
+ Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
+ Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
+ Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations
+ Conducts internal and external research projects; support the development / delivery of presentations / communications to management or broader audience
+ Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs / policies / practices
+ Monitors service, productivity and assesses efficiency levels within own function and implements continuous process / performance improvements where opportunities exists
+ Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues
+ Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
+ Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
**Employee/Team Accountabilities:**
+ Participates fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
+ Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit
+ Keeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
+ Participates in personal performance management and development activities, including cross training within own team
+ Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
+ Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
+ Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.
+ Contributes to a fair, positive and equitable environment that supports a diverse workforce
+ Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
**Physical Requirements:**
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
+ Domestic Travel - Occasional
+ International Travel - Never
+ Performing sedentary work - Continuous
+ Performing multiple tasks - Continuous
+ Operating standard office equipment - Continuous
+ Responding quickly to sounds - Occasional
+ Sitting - Continuous
+ Standing - Occasional
+ Walking - Occasional
+ Moving safely in confined spaces - Occasional
+ Lifting/Carrying (under 25 lbs.) - Occasional
+ Lifting/Carrying (over 25 lbs.) - Never
+ Squatting - Occasional
+ Bending - Occasional
+ Kneeling - Never
+ Crawling - Never
+ Climbing - Never
+ Reaching overhead - Never
+ Reaching forward - Occasional
+ Pushing - Never
+ Pulling - Never
+ Twisting - Never
+ 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
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.
**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**
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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
$72.3k-117.5k yearly 29d ago
VP, Relationship Manager III - Middle Market Lending
Provident Bank 4.7
Hamilton, NJ job
How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees' experience.
POSITION SUMMARY:
This position is responsible for origination, evaluation and structuring of complex loan requests and transactions. Additional responsibilities will include portfolio management and cross-selling other Bank products and increasing the bank's visibility in the marketplace.
KEY RESPONSIBILITIES:
Solicits credit-worthy potential and existing customers in an effort to develop new business and increase or retain existing business within the framework of the policy and procedures of the Bank. Promotes profitable growth of the loan portfolio and maximum customer responsiveness.
Oversees the preparation of loan presentation including detailed financial analysis and assessment of borrower's financial capacity and creditworthiness.
Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure displaying sound credit judgment.
Establishes and promotes customer and community relationships; cross sell other Bank products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.
Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.
Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.
Mentor the junior Relationship Managers on the team
MINIMUM QUALIFICATIONS:
Bachelor's degree in Accounting, Finance or Business Administration
Minimum 10 years' experience commensurate with job function
Comprehensive loan analysis experience.
Comprehensive financial analysis experience.
Comprehensive knowledge of underwriting techniques.
Proven new business track record.
Strong oral, written and communication and management skills.
Proficient with software programs (Microsoft Word and Excel).
WORKING CONDITIONS
Work is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations.
Prolonged sitting
Lifting from 5 to 10 lbs. (printer paper, storage boxes)
Occasional bending or overhead lifting (storing files or boxes)
The hazards are mainly those present in a normal office setting.
This may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.
Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here.
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.
Pay Details:
$133,800 - $219,800 annually
Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.
This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.
Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.
$133.8k-219.8k yearly 60d+ ago
Senior Web Application Penetration Tester
M&T Bank 4.7
Wilmington, DE job
This role offers a hybrid work schedule at our Wilmington, DE Tech Hub.
Searches for application weaknesses that are exploitable, and partners with technology, cybersecurity, and risk teams to remediate any found weaknesses. Collaborates with technology teams when implementing new applications to help the team identify weaknesses before an attacker does.
Primary Responsibilities:
Complete penetration testing (primarily Grey & White Box testing) of web applications, Application Programming Interfaces (APIs), hardware, and mobile.
Define testing methods to meet the scope and goals of assigned penetration tests.
Gather intelligence to better understand how target works and its potential vulnerabilities.
Understand breach and attack simulation solutions and work with the team to validate controls effectiveness.
Document and formally report testing initiative findings.
Maintain tools and scripts used in penetration testing and red team processes.
Effectively educate and train Cybersecurity teams on new tactics, techniques, and procedures to ensure technology applications and services are not at risk of compromise or will leak information.
Collaborate across Cybersecurity and Technology teams to leverage intelligence sources, identify new threats, improve tool usage and workflow, and mature monitoring and response capabilities.
Identify areas of opportunities in daily tasks to advance penetration testing skills and regularly learn new tactics, techniques, procedures to assess risk and implement and validate controls as necessary.
Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
Complete other related duties as assigned.
Scope of Responsibilities:
Engages in regular interaction with middle management within Internal Audit, Compliance, Risk Management, and Technology.
Determines and develops approach to solutions. Work is evaluated upon completion to ensure objectives have been met. Work is accomplished with periodic check-ins for alignment and limited direction.
Basic knowledge of all penetration testing and red team tools.
Strong knowledge of networking and network protocols.
Intermediate working knowledge of operating systems and scripting and/or coding.
Manager Responsibilities:
No supervisory responsibilities.
Education and Experience Required:
Bachelor's degree and a minimum of 3 years' relevant work experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience.
Intermediate working knowledge of penetration testing and red team tools to be able to simulate attacker tactics, techniques, and procedures
Strong knowledge of networking and network protocols
Intermediate working knowledge of operating systems and scripting and/or coding
Education and Experience Preferred:
Bachelor's degree in an applicable discipline such as Computer Science, Cybersecurity, or Information Technology
Strong understanding of information security concepts (both technical and organizational requirements)
Highly ethical and expected to maintain a level of professionalism at all times
Intermediate working knowledge in social engineering, application security (web and mobile), physical methods, lateral movement, threat analysis, internal and external network architecture and a wide array of commercial and bring-your-own (BYO) products
Prior experience with and demonstrable aptitude for quickly learning new technical skills
Experience training others to ensure they have basic knowledge of and ability to use function-specific tools and systems
Ability to analyze and draw conclusions based on quantitative data from multiple sources
Penetration testing-specific or Cybersecurity domain-related industry-recognized certification
#Hybrid #LI-JB3
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $106,700.00 - $177,900.00 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationWilmington, Delaware, United States of America
$106.7k-177.9k yearly Auto-Apply 6d ago
Client Relationship Associate
The Vanguard Group 4.6
Malvern, PA job
About this job:
At Vanguard, we have a client-first mentality that we live and breathe every day through our mission, “to take a stand for all investors, to treat them fairly, and to give them the best chance for investment success.” Our Client Relationship Associates fulfill our mission by helping our clients through life's biggest moments - from buying their first home to preparing for retirement. In this role, you will connect with clients via inbound phone calls to assist with their account-related needs.
If you have a passion for serving others, building your skillset, and giving every investor the best chance for investment success, join our team of “crew” as a Client Relationship Associate!
At Vanguard, we believe in supporting our “crew” personally through all life stages.
Total potential compensation for this role is between $74,500 - 77,500 ($52,000 - 55,000 base salary based on licenses held plus up to a one-time $12,500 bonus and eligible partnership and promotional bonuses) within your first year upon obtaining the required licensing and achieving performance standards.
Responsibilities:
We are here to simplify the world of investing, meet our clients where they are, and ensure they feel supported when they call in to Vanguard. As a Client Relationship Associate, you will:
Partner with our clients via inbound phone calls to assist them with a wide range of financial inquiries, from account maintenance to identifying and resolving issues.
Lead with empathy and a problem-solving mindset to help uncover client needs and provide timely and accurate solutions to clients.
Collaborate with internal departments through various strategic initiatives to continuously improve the client and “crew” experience.
What it takes:
You don't have to be a financial expert to be an advocate for our clients!
We welcome, and encourage, individuals from all backgrounds and experiences -- the most important things you need are a passion for serving others and a thirst for knowledge. We have seen most success from individuals with:
Strong interpersonal and client relationship management (CRM) skills to engage with our clients and our “crew.”
Customer-facing and/or in-bound phone experience.
A learner's mindset and an appetite for financial acumen.
Undergraduate degree or equivalent combination of experience, preferred.
This job requires a Series 7 and 63 regulatory license and/or registration (e.g. FINRA, state, SFC). These will be determined by Compliance based on role-specific duties.
How we will help:
Choosing the next step in your career path can be a difficult decision - we are here to support you to ensure you thrive professionally from the moment you join. Our training, development, culture, and benefits are designed with “crew” in mind. We will provide you with:
Fully paid training, coaching, and continuous support needed to pass the SIE and FINRA Series 7 & 63
Access to learning and development resources to equip, and empower, you with the skillset to continuously improve and problem solve in collaboration with your peers and business partners
Hands-on coaching by purpose-driven leaders to help you excel in your current role, and prepare you for the next
Acumen building on our products and services to equip you with the expertise necessary to have meaningful conversations with our clients
Special Factors:
Please note new hires may need to be full jurisdiction registered in all US states and territories.
Vanguard is not offering visa sponsorship for this position.
About Vanguard
We are Vanguard. Together, we're changing the way the world invests.
Because when you invest with courage, when you invest with clarity, and when you invest with care, you have the chance to get so much more in return. We invest with purpose - and that's how we've become a global market leader. Here, we grow by doing the right thing for the people we serve. And so can you.
We want to make success accessible to everyone. This is our opportunity. Let's make it count.
Special Factors
Sponsorship
Vanguard is not offering visa sponsorship for this position.
About Vanguard
At Vanguard, we don't just have a mission-we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
$74.5k-77.5k yearly Auto-Apply 60d+ ago
Executive Sales Consultant
Trustmark 4.6
Trenton, NJ job
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**Overview of Role**
Responsible for selling self-funded health products via Broker partners for groups under 200 lives then transitions account to an account manager for ongoing maintenance and service. Develops new accounts and/or generates new business from existing accounts. Pursues sales leads within assigned territory, defined by geographic area. Responds to customer inquiries and offers guidance on appropriate products. Executes sales strategy, identifies new opportunities/leads, and generates sales reports.
**Key Accountabilities**
+ Career-level position highly skilled at sales techniques and demonstrates strong understanding of company products and industry.
+ Utilizes knowledge of industry/clients to recommend updates to product offerings.
+ Sales completed with little to no supervision.
+ Maintains an established network of contacts.
+ Demonstrates strong ability to identify and cultivate sales from new and/or existing clients.
+ Completes complex sales.
+ Utilizes developing knowledge of product and industry to evaluate and recommend best solutions for customer.
+ Typically has established base of accounts and stable revenue responsibility.
**Minimum Requirements**
+ Bachelor's Degree with 4- 6 years of relevant sales experience OR High School Diploma or GED with 6 - 8 years relevant sales experience.
+ Active life and health license preferred or mustcomplete within 90 days of hire with company support required.
+ Must be able to model consultative sales skills to less experienced staff.
+ Capable of presenting to executive audience; appropriately assertive.
+ Knowledgeable in self-funded benefit plan designs for small - mid size businesses.
+ Demonstrated history of sales success
Brand: Trustmark
We offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
**For the fourth consecutive year we were selected as a Top Workplace by the Chicago Tribune.** The award is based exclusively on Trustmark associate responses to an anonymous survey. The survey measured 15 key drivers of engaged cultures that are critical to the success of an organization.
All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, sexual identity, age, veteran or disability.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
$119k-153k yearly est. 60d+ ago
Executive Speechwriter, Senior Specialist
The Vanguard Group 4.6
Malvern, PA job
We are seeking an experienced speechwriter to support Vanguard's chief executive officer in articulating a compelling vision, inspiring internal and external audiences, and advancing the company's reputation and leadership voice. The successful candidate will be an expert storyteller and researcher and will have experience working with C-suite leaders in the financial services industry. The executive writer will be able to translate complex ideas into clear, persuasive, authentic, and memorable narratives tailored to a variety of audiences and formats.
Responsibilities:
Partner with the head of the Executive Office and the head of Executive Communications to maintain and evolve a distinctive executive voice with consistent messaging, tailored for channel and audience.
Research, draft, and edit speeches, remarks, talking points, op-eds, and other materials for the CEO.
Craft nuanced, persuasive communications that reflect the CEO's tone, priorities, and expert business insights.
Build a library of reusable narratives, anecdotes, and data points that reinforce the CEO's leadership themes.
Ensure all communications meet legal, regulatory, and reputational standards. Partners with Legal, Compliance, and Risk teams to proactively manage sensitive topics.
Coach and mentor communications team members on executive-level storytelling, and stakeholder influence.
Participate in special projects and perform other duties as assigned.
Qualifications:
Minimum 10 years of experience in executive communications, public affairs, journalism, or strategic messaging.
Prior experience in an executive speechwriting role.
Exceptional writing and editing skills, with the ability to capture and executive voices.
Ability to develop a variety of compelling content under tight deadlines.
Excellent judgment and experience providing communications advice and counsel to senior executive leaders.
Experience navigating matrixed organizations.
Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred.
Special Factors
Sponsorship
Vanguard is not offering visa sponsorship for this position.
About Vanguard
At Vanguard, we don't just have a mission-we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
$84k-115k yearly est. Auto-Apply 17d ago
Events Marketing Specialist, Personal Investor and Advice & Wealth Management (AWM) Marketing
The Vanguard Group 4.6
Malvern, PA job
The Events team within Personal Investor & AWM Marketing is seeking an experienced events specialist to execute marketing strategies in support of broader business objectives. The Specialist will play an active role in our invitation strategy and provide creative insights to support and refine our distribution plan. In addition, the Events Marketing Specialist will be a key contributor throughout the planning and execution of webcasts and in-person events, delivering meaningful, insight-driven experiences for clients and prospects. This position will be instrumental in bringing marketing strategies to life and ensuring that Vanguard's events are client-centric, compliant, and aligned with business priorities.
As a key partner to marketing and business stakeholders, the Events Marketing Specialist provides creative input and supports content development for live and digital events. The ideal candidate combines storytelling skills with operational expertise, ensuring every event reflects Vanguard's brand integrity, regulatory standards, and commitment to client engagement. This position reports to the Head of Events & Seismic.
Responsibilities:
Partner with Personal Investor & AWM business teams to execute webcast and event strategies from start to finish, including distribution and channel optimization, creative development, and content alignment.
Develop cohesive communications plans for events that support business objectives and enhance client experience.
Manage planning workflows in Adobe Workfront, ensuring timely input of project details and creative requests.
Collaborate with creative teams to produce clear, engaging, and compliant client-facing content.
Track and analyze event performance metrics, leveraging insights to recommend improvements and inform future strategies.
Coordinate logistics with Media Services and Corporate Event Planning teams to deliver seamless experiences for executives and business partners.
Support special projects and flex into additional communications strategy work as needed.
What It Takes
Growth Mindset: Ability to adapt to changing priorities and thrive in dynamic environments.
Collaboration: Strong interpersonal skills and proven ability to work effectively with cross-functional teams.
Technical Expertise: Experience with webcast platforms and event technology (e.g. Kaltura, Wistia) preferred.
Experience: Minimum of five years of relevant work experience.
Education: Bachelor's degree or equivalent combination of education, training, and experience.
Nice to Have
Proficiency with project management tools (e.g., Workfront).
Familiarity with CRM systems and data management practices.
Experience designing surveys and leveraging data to inform strategic decisions and recommendations.
Special Factors
Sponsorship
Vanguard is not offering visa sponsorship for this position.
About Vanguard
At Vanguard, we don't just have a mission-we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
$82k-102k yearly est. Auto-Apply 8d ago
Regional Sales Director LA
Trustmark 4.6
Trenton, NJ job
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**About the role**
We are looking for a Regional Sales Director for the LA area.
Increases new business sales through establishing strong, consultative partnerships with major worksite and voluntary benefit distributors to include brokers, agents, financial planners, consultants, and employees within Trustmark. Customers typically include hospitals, medical centers, manufacturing, public entities, services, warehousing, and wholesale trade who want to offer their stable workforce a comprehensive benefit solution. Activities will include learning and staying informed on health care trends, market intelligence and product information for all product solutions within voluntary benefits; establishing, updating and managing target account lists and pipeline management; following a comprehensive sales process that will include marketing programs, educational seminars, customer needs analysis meetings, presentations to develop new and expand existing accounts; managing both external and internal stakeholders throughout the sales process and contributing to sales planning, forecasting and product development.
**Key Accountabilities**
+ Achieve annual new business sales, net growth & reenrollment objectives as assigned:
+ Demonstrate the value proposition to distribution partners.
+ Direct and manage the acquisition process by establishing priorities with sales support team and serving as a liaison between producers and customers to maximize sales efforts.
+ Proactively develop and maintain an effective relationship with Sales Implementation, Key Account Managers, Case Underwriting & Marketing.
+ Prospecting:
+ Generate new business opportunities by leveraging existing relationships, prospecting new relationships, conducting market analysis and cold calling channel distributors.
+ Partner with marketing and product development in developing programs to educate the network channel on Trustmark value proposition to create demand in the marketplace.
+ Partner with distribution channel to identify new sales opportunities, influence the RFP design, and develop solutions that will secure new business.
+ Reporting & Analytics
+ Monitor and report on competition to evaluate Trustmark's position in the marketplace.
+ Actively utilize Salesforce.com for activity reporting, forecasting, business requests, workflow management, travel bookings and expense reporting.
+ Provide monthly reports of pipeline, forecasts and metrics using Salesforce automation tool.
+ Other duties as needed/assigned.
**Minimum Requirements**
+ 5 years of Voluntary product sales or equivalent work experience
+ Consultative sales experience required.
+ Experience generating and analyzing reports to enhance sales or customer experience.
+ Excellent oral & written communication skills; persistent and patient in endeavoring to fully understand customer/producer needs and offer valuable information and solutions.
+ Ability to work independently, make good decisions consistent with divisional objectives and in a timely manner, and handle conflict with minimal oversight.
+ Exceptional organizational skills, adept at handling multiple tasks simultaneously, committed to follow through and completing assignments in a timely & professional manner.
+ Interpersonal effectiveness with proven ability to establish/maintain mutually respectful relationships with managers, peers, support staff, agents/brokers and customers; handle conflict, resolve complex issues, negotiate, achieve consensus and promote team spirit.
+ Capable of operating the complete MS Office Suite
The compensation range for this role is (based on the corporate location in Lake Forest, Illinois):
$92,359.68 - $133,409.90 per year
The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market.
Brand: Trustmark
In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
$92.4k-133.4k yearly 15d ago
Operational Risk Analyst
TD Bank 4.5
TD Bank job in Mount Laurel, NJ
Hours: 40 Pay Details: $72,280 - $117,520 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.
Line of Business:
Risk Management
Job Description:
The Senior Group Risk Analyst provides a broad range of research, analysis, reporting, monitoring and/or operational process support within a defined area of function. Supports business by providing expert guidance/advice on a range of risk related matters within assigned or own area of specialization. The Senior Group Risk Analyst may support and/or provide oversight, commentary, and strategy analysis in connection to team and/or individual initiatives.
Depth & Scope:
* Utilizes expertise to exercise sound and expert independent professional judgement and discretion in interacting and communicating with staff and senior management of the Bank with respect to regulatory risk and other matters
* Empowered to make prudent professional recommendations - in rendering advice and counsel to business lines or assigned area and risk which impact performance of the business and overall enterprise strategies and objectives
* Integrates the broader organizational context into advice and solutions within own functional area
* Understands the industry, competition and the factors that differentiate the organization
* Acts as the primary subject matter expert and expected to make sound decisions in setting standards within area of expertise
* Applies expert knowledge and best practices to implement process, product or service improvements
* Oversees and/or independently performs tasks from end to end
* Acts as a subject matter expert within own area of specialty or as a resource for others
* Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs
* Executes on complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders
* Recommends and implements solution within own are or responsibility that impact the strategies and objectives of the department
* Uses advanced methods to contribute to new solutions and recommends standards against which others will operate
* Impacts a high level of complexity in operational/reporting/process and/or analysis function requiring medium to longer term focus. Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise. Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels
* Works independently as the senior technical lead and guides others within area of expertise
* Identifies and leads problem resolution for complex issues at all levels
Education & Experience:
* Undergraduate degree or technical professional certification and/or
* 5+ years relevant experience
* Proficient knowledge of risk management, programs, policies, practices & reporting for business supported and/or area of discipline
* Understanding and experience with various programing tools
* Knowledge of risk management environment, standards, regulations and mitigation
* Knowledge of current and emerging competitor and market trends
* Ability to lead, plan, implement, and evaluate program/project activities to ensure completion of initiatives
* Advanced skill in using analytical software tools, data analysis methods and reporting techniques
* Skill in using computer applications including MS Office
* Ability to communicate effectively in both oral and written form
* Ability to work collaboratively and build relationships
* Ability to work successfully as a member of a team and independently
* Ability to exercise sound judgement in making decisions
* Ability to analyze, organize and prioritize work while meeting multiple deadlines
* Ability to handle confidential information with discretion
Preferred Skills:
* Experience in non-financial, operational, or compliance risk
Customer Accountabilities:
* Develops and operationalizes standards, policies and processes to identify, report and mitigate overall risk exposures within the business
* Proactively analyzes potential risks and ensures key risks are aggregated/escalated to appropriate areas
* Supports ongoing risk measurement activities by acquiring, analyzing and reporting business operational or relevant loss data
* Establishes and provides regular risk analysis and reporting on operational loss performance of the business
* Supports business with analysis and reporting on risk issues and their impact which may include scenario analysis
* May be responsible for coordinating business continuity management (BCM) processes and supporting regulatory/compliance related initiatives impacting overall risks to the business (e.g. CDIC, anti-money laundering)
* Supports established enterprise-wide risk escalation, review and approval processes, data management, policies and risk assessment processes
* Contributes to the monitoring of Key Risk Indicators through the identification of key risk drivers for the business
* May also monitor/report on compliance, management, and strategic initiatives
* Provides regular commentary and industry analysis in supporting the development/maintenance/oversight of policies/procedures/practices
Shareholder Accountabilities:
* Adheres to enterprise frameworks or methodologies that relate to activities for our business area
* Ensures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities
* Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
* Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
* Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
* Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
* Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations and assess the effectiveness of programs/policies/practices
* Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
* Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues
* Actively manages relationships within and across various business lines, corporate and/or oversight functions and ensures alignment with enterprise and/or regulatory requirements
* Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
* Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Employee/Team Accountabilities:
* Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
* Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
* Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
* Participates in personal performance management and development activities, including cross training within own team
* Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
* Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
* Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
* Contributes to a fair, positive and equitable environment that supports a diverse workforce
* Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
* Domestic Travel - Occasional
* International Travel - Never
* Performing sedentary work - Continuous
* Performing multiple tasks - Continuous
* Operating standard office equipment - Continuous
* Responding quickly to sounds - Occasional
* Sitting - Continuous
* Standing - Occasional
* Walking - Occasional
* Moving safely in confined spaces - Occasional
* Lifting/Carrying (under 25 lbs.) - Occasional
* Lifting/Carrying (over 25 lbs.) - Never
* Squatting - Occasional
* Bending - Occasional
* Kneeling - Never
* Crawling - Never
* Climbing - Never
* Reaching overhead - Never
* Reaching forward - Occasional
* Pushing - Never
* Pulling - Never
* Twisting - Never
* 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
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.
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
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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
$72.3k-117.5k yearly Auto-Apply 8d ago
Insurance Onsite Relationship Specialist 93220
New York Life 4.5
Horsham, PA job
Join our Field Service Team, the driving force behind the delivery of exceptional experiences for New York Life's agents and clients. As part of our diverse team, you will have the opportunity to shape seamless customer experiences. Whether you're helping an agent meet their clients' life insurance needs, supporting strategic initiatives designed to enhance our operating environment, or educating our agents on innovative digital solutions, your work will have a direct and powerful impact on our success in fostering customer trust and loyalty.
Role Overview
Our General Offices serve as crucial hubs for our insurance agents and advisors throughout the country, providing them with support in various aspects of their business. We are seeking a motivated and efficient Operations Specialist to support the daily operations in one of our General Offices. This role resides within our Service organization and is the first point of contact for agents and clients. In addition, they provide dedicated support to the local Managing Partner, handling administrative and operational responsibilities to streamline processes for Agency stakeholders. The role requires strong relationship-building skills, organizational abilities, effective communication, as well as a proactive approach to problem-solving, ensuring the smooth functioning of the organization.
What You'll Do
* Provide administrative and operational support to the Managing Partner and management team
* Collaborates with the onsite Service Leader to ensure efficient operations
* Act as a point of contact for agents, addressing their inquiries promptly and professionally
* Greet and welcome visitors
* Answer and direct phone inquiries
* Coordinate accounts payable and receivable, including efficiently managing requests related to Agent payments, submitting operational expenses, and reconciling purchase cards
* Handle incoming and outgoing mail and deliveries, to include incoming correspondence distribution in accordance with regulatory guidelines
* Assist with facility management (building maintenance requests, troubleshoot local network issues, etc.)
* Manage resource assignments for new agents, ensuring their onboarding experience is smooth
* Additional administrative duties such as control reports, coordinating conference rooms, preparing for meetings, and handling fingerprinting for candidates
What You'll Bring
The role requires strong relationship-building skills, organizational abilities, effective communication, and a proactive approach to problem-solving, ensuring the smooth functioning of the organization.
Required Skills:
* Ideal candidate should have 3 or more years of experience in customer service and/or office administration
* Excellent written and verbal communication skills
* Strong computer skills with proficiency in the Microsoft Office Suite
* Associates, or bachelor's degree preferred, but not required
Training & Development
Customer Service Representatives receive on-the-job training to learn about the insurance industry, product and policy provisions, and transaction processing. Coaching and feedback are provided to help you gain the necessary skills to be successful.
Shift Information
This is a full-time onsite position Monday through Friday. Candidates should be flexible to work any 7.5-hour shift between 8:00 AM - 5:00 PM.
Salary
Competitive full-time base salary, overtime eligibility plus target bonus
Benefits
Paid Vacation, Health Care, 401K match, Pension Plan, Tuition Assistance, Flexible Spending Accounts, Student Loan Repayment Program
Career Opportunities
New York Life offers a variety of corporate opportunities within the Service Organization, including management, quality control, training, underwriting and claims.
Pay Transparency
Salary Range: $45,000-$65,000
Overtime eligible: Nonexempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.
Please note: This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting.
Company Overview
At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact.
Our diverse business portfolio creates opportunities to make a difference across industries and communities-inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you'll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress.
As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what's next, and your growth powers it.
Our Benefits
We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work. Click here to discover more about our comprehensive benefit options or visit our NYL Benefits Site.
Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life's leadership in this space.
Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of ********************
Visit our LinkedIn to see how our employees and agents are leading the industry and impacting communities.
Visit our Newsroom to learn more about how our company is constantly evolving to meet our clients' and employees' needs.
Job Requisition ID: 93220
$45k-65k yearly 5d ago
Co-Head of US Active Fixed Income Investment Risk
The Vanguard Group 4.6
Malvern, PA job
Are you ready to shape the future of fixed income investing at a global scale? Vanguard is seeking a visionary leader to serve as Co-Head of US Active Fixed Income Investment Risk, a pivotal senior leadership role responsible for setting the strategic direction and governance of risk across our active taxable fixed income platform, with influence on over $1T in AUM across 30+ mandates globally.
In this role, you will lead the development and execution of a comprehensive investment risk framework-bringing clarity, discipline, and innovation to how we assess and manage risk across diverse fixed income strategies. You'll partner closely with portfolio managers and senior leaders to elevate decision quality, safeguard client outcomes, and drive superior risk-adjusted performance.
This is more than a risk oversight role-it's an opportunity to influence the investment process, shape the research agenda, and apply cutting-edge analytics to solve complex challenges. You'll lead with insight and integrity, ensuring our risk posture aligns with fund objectives and investor expectations in a dynamic global environment.
Responsibilities
Directs investment risk strategy to ensure an effective and efficient risk management infrastructure. Manages, measures, monitors, and reports aggregate global fixed income investments risk exposures. Provides thought leadership and takes a leadership role in shaping the research agenda and infrastructure.
Designs and implements best practices for fixed income investment and business activities to control various risks. Provides guidance on fixed income investment risk management policies and procedures, limits, and guidelines. Uses a variety of analytical resources to develop and enhance existing risk-return analysis, including performance attribution, multifactor risk models, scenario analysis, and stress testing.
Partners with portfolio management teams to influence and add value to the investment process and enhance risk adjusted returns by applying analytical insight, judgment and experience to evaluate risk and performance of funds. Frequently conducts ad-hoc analysis to support PM/Traders understanding of portfolio and market risks.
Facilitates strong oversight and governance of fund outcomes through frequent interactions with senior management, including the fixed income Senior Investment Committee, Fixed Income Leadership Team, Chief Risk Officer, and Chief Investment Officer.
Leads a high-performing team in the development of specialized fixed income investment risk management, performance analysis and other analytical skills that raise the capabilities of the investment risk team. Also plays a key role in the development, implementation, and interpretation of risk and performance attribution analytics based on risk models.
Sponsors and undertakes research to improve the risk and return analysis. Works closely with portfolio management teams, IT teams, and vendors to identify opportunities, define project briefs, drive effective prioritization and follow through with disciplined execution.
Using professional judgment and industry experience, guides and collaborates with global counterparts to take Investment Management Group (IMG) policies and procedures to a global standard.
Serves as an expert resource to members of the IMG. Develops and maintains knowledge of financial markets, securities and investment themes in order to bring an informed perspective to portfolio analysis.
Represents the Investment Risk team to internal and external clients and at industry forums. Contributes to IMG, Risk Division, and Vanguard-wide management initiatives and strategies.
Leads and/or participates in special projects and performs other duties as assigned.
Qualifications
Minimum of ten years related work experience. Supervisory experience preferred.
Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred.
Professional certification (CFA, FRM) preferred.
Experience in investment risk management, with deep expertise in fixed income markets (credit, rates, securitized products).
Experience with risk modeling and analytical techniques. Experience with Aladdin preferred.
Demonstrated ability to think critically and facilitate change through collaborative effort. Strong interpersonal, verbal, and written communication skills.
Proven track record of designing and leading risk frameworks for large, complex portfolios.
Experience influencing portfolio construction and partnering with PMs and traders to enhance risk-adjusted returns.
Exceptional communication skills-able to translate complex analytics into actionable insights for senior stakeholders.
Strategic thinker with a global mindset and ability to drive innovation in risk management practices.
Special Factors
Sponsorship
Vanguard is offering visa sponsorship for this position.
About Vanguard
At Vanguard, we don't just have a mission-we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
$105k-156k yearly est. Auto-Apply 46d ago
Senior Process Improvement Analyst
The Vanguard Group 4.6
Malvern, PA job
Join Vanguard's Enterprise Investment Service Division and lead complex or large process improvement initiatives using process improvement methodology (e.g., Lean, Agile, etc.) to develop, identify, analyze, and improve existing business processes. You will also apply functional expertise to improve business and client results and support the business Senior Management by aiding in the analysis of business strategic initiatives and supporting the business with competitive research and serving as a coach to leadership.
Responsibilities:
Develops and applies process definition, improvement and design methodologies to identify, analyze and improve business processes to improve quality, reduce costs, increase efficiencies/productivity, increase customer satisfaction, etc. Leverages technical expertise to coach other process improvement crew through initiatives.
Concatenates process improvement data and uses key metrics to measure outcomes.
Manages process improvement initiatives from inception through implementation ensuring deadlines are met. Defines scope and requirements, establishes timeline, and ensures timely completion of deliverables.
Develops documentation to support analysis and improvement including business requirements, functional specifications, process maps, and gap/problem analyses.
Develops and manages effective working relationships with internal clients (primarily senior leaders) and key stakeholders.
Supports the development of training and/or change management materials and activities to support new processes and procedures.
Coordinates follow-up meetings for project teams using process improvement tools to ensure work is completed and improvements are maintained. Plans and implements quality assurance and compliance processes.
Participates in special projects and performs other duties as assigned.
Qualifications:
Minimum of five years' related work experience with progressive responsibility required.
Undergraduate degree or an equivalent combination of training and experience required. Graduate degree preferred.
Process improvement certification (i.e. McKinsey Lean training, Six Sigma certification) preferred. Ability to obtain certification within 1 year period required.
Special Factors
Sponsorship
Vanguard is not offering visa sponsorship for this position.
About Vanguard
At Vanguard, we don't just have a mission-we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
$79k-103k yearly est. Auto-Apply 10d ago
CVP, SAP Collections and Disbursements (FSCD) Functional Lead
New York Life Insurance 4.5
Philadelphia, PA job
Group Benefit Solutions delivers comprehensive insurance and absence management solutions for mid-sized and large companies. Our work fosters a healthier, happier, and more secure workforce, contributing to New York Life's legacy of being there when we're needed most. Here, you'll design, implement, and support these solutions directly impacting employees' lives. At our core, we provide financial security and peace of mind to people through our absence, accident, disability, voluntary benefits, and life insurance solutions. Click here to learn more about Group Benefits solutions.
Preferred location is Philadelphia and hybrid / 3 days onsite schedule. A remote work arrangement may be considered for well-qualified candidates.
Role Overview:
The SAP Collections and Disbursements (FSCD) Specialist is accountable and responsible for implementation and maintaining SAP FSCD and S/4 HANA systems.
The SAP FSCD Specialist responsible for Project integration of varying sizes and delivering projects within program expectations, on time through improved productivity, performance.
The SAP FSCD Specialist demonstrates leadership competencies by engaging with Cross-functional teams to manage project delivery lifecycle, from Conception, blueprint, realization to go-live and support.
The SAP FSCD Specialist support large, complex projects, working with distributed teams together to focus on execution and delivery.
What You'll Do:
Responsible for defining, planning, tracking, and managing SAP FSCD projects successfully by identifying key resources and providing direction to meet defined objectives.
Lead and support S/4 HANA Finance pursuits and engage with all Development initiatives
Supervise and coach junior colleagues and manage parts of project engagements
SAP FSCD specialists deliver the technology and services to help meet business performance goals and improve processes
Promote and foster collaboration and knowledge sharing between Business & Technology teams
Participate in project planning activities and manage the execution of enhancements & multiple parallel Projects
Manage relationship with project stakeholders, keeping them informed of progress and issues in order to manage expectations on all the project deliverables.
What You'll Bring:
Skills and Experience:
7-10 years of SAP FS‑CD and S/4HANA Finance experience, with deep functional expertise and full lifecycle implementations across Collections, Disbursements, payments, clearing, and business partner processes.
Strong ability to translate business requirements into SAP FS‑CD functional designs and partner effectively with technical teams (ABAP, integration, banking interfaces).
Proficiency in configuring FS‑CD components (business partners, policies, dunning, disbursements, workflows, payment programs, reconciliation, reporting).
Experience developing and managing interfaces with external banking systems (ACH, wire, check processing, positive pay).
Strong understanding of S/4HANA capabilities and SAP Finance best practices.
5+ years working in complex, multi‑module SAP environments, with strong integration experience across FI and related Finance components.
Ability to work across cross‑functional teams, facilitate workshops, and drive clarity in complex delivery environments.
Familiarity with Agile/SAFe delivery methodologies and use of tools/accelerators to streamline implementation.
Strong analytical abilities, problem‑solving skills, and capability to design scalable finance solutions.
Excellent communication skills with the ability to engage both technical and business stakeholders.
Skills & Competencies
Bachelor's degree in Information Technologies, Computer Science, Business, and/or equivalent experience.
Master's degree Information Technologies, Computer Science, Business preferred
Deep functional knowledge in the areas of finance within the financial services industry.
Proven analytical skills and systematic problem solving.
#LI-SV1
#LI-HYBRID
#LI-REMOTE
Pay Transparency
Salary range: $125,000 - $185,000 (Philadelphia)
Overtime eligible: Exempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.
Actual base salary within that range will be determined by several components including but not limited to the individual's experience, skills, qualifications, and job location. In addition to base salary, employees may also be eligible to participate in an incentive program.
Our Benefits
We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work. Click here to discover more about our comprehensive benefit options or visit our NYL Benefits Site.
Our Diversity Promise
We believe in a diverse workforce because it is our mission to advocate for the financial security and success of people in every community. This is why diversity, equity, and inclusion (DEI) are guiding principles that are embedded in our brand and our culture. Click here to learn more about how we have been recognized for our leadership.
Recognized as one of
Fortune's
World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of ********************
Job Requisition ID: 93056
#GBS
$125k-185k yearly 4d ago
Banking Associate - Berlin NJ (Full Time)
TD Bank 4.5
TD Bank job in Berlin, NJ
Berlin, New Jersey, United States of America **Hours:** 40 **Pay Details:** $22.00 - $27.75 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.
**Line of Business:**
Personal & Commercial Banking
**Job Description:**
The Banking Associate is a professional in banking, plays a key role in delivering TD's Brand promise at a store location. This role 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:**
+ Performs a wide range of tasks across multiple areas within a Store location; to include processing customer transactions, opening new accounts and educating customers on all banking products and services
+ Delivers end-to-end advice customers expect: (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating with proactive insights & recommendations
+ Utilizes TD's systems and tools to engage with Customers to acquire and deepen relationships by providing advice and guidance to ultimately attract, and retain the customer
+ 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
+ Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking
+ Connects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (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 and can be demonstrated through any of the following: volunteering, education, 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, 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 Bank Secrecy Act and Patriot Act to minimize risk and protect the customer
+ Accurately processes cash/deposit/withdrawal transactions and other account servicing requests
+ Decisions & processes everyday transactions such as but not limited to 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 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. Seeks 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
+ Be 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
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.
**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**
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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
$22-27.8 hourly 14d ago
Implementation Manager
Trustmark 4.6
Trenton, NJ job
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**About the role**
Trustmark is seeking a dedicated **Implementation Manager** to join our team.
Orchestrates and oversees the entire implementation process for new cases and re-enrollments.
Key Accountabilities
+ Develops and manages case implementation project plans for each new and re-enrolled case. Coordinates with external and internal partners including enrollment firms and Payroll Deduction Specialists to ensure all necessary steps are completed in a timely and accurate fashion.
+ Conducts product and technology platform enrollment training for key agencies, brokers, and producers. Participates in VIP and Finalist Meetings.
+ Demonstrates a solid knowledge of Trustmark's products, services and technology platforms. Displays a base understanding of interdependencies/relationships with other internal partners.
+ Establishes self to producers, clients and enrollment partners as Trustmark's single point of contact for all case set-up and enrollment activities.
Minimum Requirements
+ Minimum of three year's insurance industry knowledge and/or experience in operations or account management.
+ Four year degree or equivalent.
+ Ability to travel up to 40% within assigned territory.
+ Strong project management skills.
+ Presenting and training experience.
+ Possesses excellent interpersonal and communications skills both verbal and written, good presence, strong team player, encouraging, diplomatic and flexible with the ability to listen well, be persistent and patient in endeavouring to fully understand customer needs.
+ Ability to work independently and make good decisions consistent with divisional objectives and handle conflict with minimal oversight.
The compensation range for this role is (based on the corporate location in Lake Forest, Illinois):
$69,776.00 - $100,788.00 per year
The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market.
Brand: Trustmark
In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
$69.8k-100.8k yearly 37d ago
Case Underwriter II
Trustmark 4.6
Trenton, NJ job
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**About the role**
Trustmark is looking for a Case Underwriter to join the organization.
Responsible for providing timely and accurate underwriting offers, while adhering to pricing and profit objectives. Develops partnership with Sales to maximize ability to sell new/maintain existing business. Stays current with our Administrative, Enrollment, Broker, and Enrollment Company capabilities and processes.
**Key Accountabilities**
+ Processes, reviews, analyzes and makes informed underwriting decisions for assigned territory. All cases are reviewed with manager or higher level underwriter until proficiency is achieved. At full proficiency, underwriting authority is a maximum of 5,000 life case or $500,000 of annualized premium.
+ Reviews enrollment and participation trends in assigned territory and makes recommendations to optimize opportunity for sales while minimizing risk.
+ Provides monthly updates on sold case successes and failures as it relates to access and participation for Guarantee Issue cases.
+ Continually asks questions to grow and better understand our products and procedures. Develops and grows relationship with Implementation Managers to gain their confidence in decisions.
+ Understands non-standard broker arrangements and enrollment company strengths and weaknesses.
+ Identifies elements of a successful enrollment and makes recommendations that will create value.
+ Works with reinsurer on cases that require facultative review.
**Minimum Requirements**
+ Bachelor's Degree and/or 2 - 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience.
The compensation range for this role is (based on the corporate location in Lake Forest, Illinois):
$61,412.00 - $88,706.00 per year
The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market.
Brand: Trustmark
In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
$61.4k-88.7k yearly 60d+ ago
Security Engineer II
Trustmark 4.6
Trenton, NJ job
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
We are seeking a highly skilled Cyber Security Engineer to join our team and play a pivotal role in safeguarding our organization's digital assets. The ideal candidate will possess a deep understanding of cybersecurity principles, a strong technical background, and a passion for protecting sensitive information.
You will be responsible for engineering, implementing and monitoring security measures for the protection of Trustmark's computer systems, networks and information. The role helps identify and define system security requirements as well as develop detailed cyber security designs.
**Responsibilities:**
+ Design, implement, and maintain security architectures, systems, and solutions to protect critical infrastructure and data.
+ Conduct vulnerability assessments and penetration testing to identify and mitigate risks.
+ Develop and implement security policies, standards, and procedures.
+ Monitor security systems and respond to incidents promptly and effectively.
+ Stay up-to-date with the latest cybersecurity threats and trends.
+ Collaborate with cross-functional teams to ensure security is integrated into all aspects of the business.
+ Provide technical guidance and support to internal stakeholders.
**Qualifications:**
+ Bachelor's degree in Computer Science, Information Technology, or a related field or
+ 3-5 Years of network engineering or cyber engineering experience
+ Strong understanding of cybersecurity frameworks and standards (e.g., NIST, ISO 27001).
+ Proficiency in network security, systems security, application security, and data security.
+ Hands-on experience with security tools and technologies (e.g., firewalls, intrusion detection systems, encryption, SIEM).
+ Excellent problem-solving and analytical skills.
+ Strong communication and interpersonal skills.
+ Ability to work independently and as part of a team.
**Preferred Qualifications:**
+ Certifications such as CISSP, CISA, or CEH.
+ Experience with cloud security (e.g., AWS, Azure, GCP).
+ Knowledge of scripting and programming languages (e.g., Python, PowerShell).
Brand: Trustmark
Come join a team at Trustmark that will not only utilize your current skills but will enhance them as well. Trustmark benefits include health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums.
**For the fourth consecutive year we were selected as a Top Workplace by the Chicago Tribune.** The award is based exclusively on Trustmark associate responses to an anonymous survey. The survey measured 15 key drivers of engaged cultures that are critical to the success of an organization.
All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, sexual identity, age, veteran or disability.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
$84k-107k yearly est. 60d+ ago
Internal Audit - Business Management Specialist
TD Bank 4.5
TD Bank job in Wilmington, DE
Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $86,840 - $139,360 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.
**Line of Business:**
Business Management, Strategy & Support
**Job Description:**
The Control Remediation and Quality Assurance (CRQA) function was established to provide guidance on the activities associated with the end-to-end (E2E) regulatory issue remediation lifecycle. The Remediation lifecycle includes Management checkpoints that have been created at key milestones to manage quality throughout the remediation process. Each Gate includes defined criteria inclusive of remediation testing that must be adhered to by the issue owners and other key stakeholders as part of the formal review, challenge, and approval process.
The Control Remediation Quality Assurance Practice/Methodology & Testing Business Management Specialist supports in maintaining methodology of the end-to-end MRA remediation program. As a member of the Testing Center of Excellence within CRQA this role provides regulatory remediation testing standards for the 1B/2B testing teams and through a QA process, ensures testing meets these standards. Through this process they will play an important role in ensuring the successful remediation of regulatory findings and increase the likelihood of passing Internal Audit and Regulator validation. Key responsibilities include:
+ Maintain the Practice/Methodology and Testing CoE in coordination with the Head of CRQA Review, Challenge, Methodology & Testing
+ Creates and maintains Testing standards for the first and second line testing teams to follow
+ Conduct testing quality assurance over first and second line testing teams; ensuring consistency and quality of the testing teams' work
+ Partners with the CRQA Review and Challenge Coordinator Lead and Advisors
+ Provide guidance for testing that needs to be performed through identification of best practices and lessons learned
+ Provides thematic testing result outcomes and modify testing methodology as needed through engagement with stakeholders and other key partners
+ Drives efficiency and effectiveness, through scale up and analytics of testing activities
**Depth & Scope:**
+ Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others
+ Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members
+ Scopes of role may have enterprise impact
+ Focuses on short to medium - term issues (e.g. 6-12 months)
+ Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise
+ Oversees and/or independently performs tasks from end to end
**Education & Experience:**
+ Undergraduate degree
+ 7+ years relevant experience
**Preferred Qualifications:**
+ Preferably experience with third line or controls/remediation testing teams
+ Experience establishing and implementing effective Regulatory policies, strategies and plans that effectively support the financial environment
+ Highly organized, with demonstrated ability to develop, analyze, improve and apply complex policies, processes and procedures
+ Solid understanding of Regulatory environment and its role in the business
+ Effective negotiation and influencing skills
+ Advanced communication and presentation skills
+ Can demonstrate work independently and be an individual contributor
**Customer Accountabilities:**
+ Contributes to the strategic direction of the business management function and play a key role in the development and implementation of strategies in support of the overall business strategy
+ Plans, leads / manages and/or oversees a diverse set of work activities requiring alignment across multiple areas
+ Leads / manages the integrated implementation of policies / processes / procedures / changes in across multiple functional areas
+ Provides direction and/or input to complex, wide ranging enterprise or cross-function / business projects/initiatives as a subject matter expert and where necessary participates in identifying, designing and testing solutions and supporting the implementation
+ Facilitates key discussions and provides thought leadership to executive audience (output is roadmap and/or strategic plan/ deliverables/frameworks/ short to long term goals etc.)
+ Leads partner to management / leadership and respective teams for area of specialization with industry, external and internal, enterprise and business awareness; recognizing and anticipating emerging trends and; identifying issues and opportunities and recommending action to senior management
+ Works effectively with multiple teams across a broad spectrum of initiatives and functional domains, influencing others as needed
**Shareholder Accountabilities:**
+ Adheres to enterprise frameworks and methodologies that relate to business management activities for own area
+ Actively manages relationships with corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the Bank
+ Assesses / identifies key issues and escalate to appropriate levels and relevant stakeholders where required
+ Maintains a culture of risk management and control, supported by effective processes and sound infrastructure an in alignment with risk appetite
+ Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals, and physical control of assets).
+ Participates in cross-functional / enterprise initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations
+ Leads relevant governance meetings or committees and related deliverables / outcomes
+ Leads / facilitates and/or implements action/remediation plans to address performance/risk/governance issues
**Employee/Team Accountabilities:**
+ Provides thought leadership and/or industry knowledge for own area of expertise
+ Supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
+ Identifies and recommends opportunities to enhance productivity, effectiveness and operational efficiency
+ Works effectively as a team, supporting other members of the team in achieving business objectives and providing client services
+ Participates in knowledge transfer within the team and business units
**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**
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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
$86.8k-139.4k yearly 60d+ ago
Banking Associate/Lake Pine (Medford)
TD Bank 4.5
TD Bank job in Medford, NJ
Medford, New Jersey, United States of America **Hours:** 40 **Pay Details:** $22.00 - $27.75 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.
**Line of Business:**
Personal & Commercial Banking
**Job Description:**
The Banking Associate is a professional in banking, plays a key role in delivering TD's Brand promise at a store location. This role 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:**
+ Performs a wide range of tasks across multiple areas within a Store location; to include processing customer transactions, opening new accounts and educating customers on all banking products and services
+ Delivers end-to-end advice customers expect: (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating with proactive insights & recommendations
+ Utilizes TD's systems and tools to engage with Customers to acquire and deepen relationships by providing advice and guidance to ultimately attract, and retain the customer
+ 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
+ Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking
+ Connects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (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 and can be demonstrated through any of the following: volunteering, education, 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, 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 Bank Secrecy Act and Patriot Act to minimize risk and protect the customer
+ Accurately processes cash/deposit/withdrawal transactions and other account servicing requests
+ Decisions & processes everyday transactions such as but not limited to 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 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. Seeks 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
+ Be 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
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.
**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**
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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.