banking associate

financial advisor

teller

audit manager

retail banker

TD Bank

I would first like to say that I never write reviews, so what I'm about to share is extremely honest and sincere.

I worked various positions within TD and, like most people, started out on the phones to move my way up. I have to say, each role possessed many challenges which made the end goal worth fulfilling. For the most part, as long as you had a vision of where you wanted to be as a next step, it really didn't matter what job you had. You just had to try and keep yourself motivated, push yourself to do well, and focus on your end goal.

With that said, I would first like to comment on the call centre environment. Although most co-workers were pretty friendly, just one negative encounter was enough to make an already difficult job that much more difficult to handle. By no means was being on the phones (in an outbound environment) an easy task, nor do I recommend it for people who wouldn't be able to take being yelled/sweared at constantly for 7.5 hour shifts on a 37.5 weekly work schedule. Working in outbound at the call centre was extremely fast-paced and often very stressful. When I was there, there were a handful of people who either quit, got fired (for not reaching their goals), or took prolonged leaves of absence due to the stress of being on the phones. I happened to be one of the people who took a leave for several months. However, I was also one of the lucky ones who managed to stick it out for a year and continuously perform.

Working as a Financial Analyst was motivating at first because it was rewarding to be at a higher level and be put into a salaried position at a young age. Unfortunately, however, as I gained some experience in the role, I discovered a few things. First, you work in an extremely small environment (a team of about 4 people, with the Finance department being up to about 10 people). The Analyst role is one of those positions where you have to do things to learn on your own. I found myself always having to take pages and pages of notes to remember things because the amount of work you had to do and what you had to know was constantly changing. When things changed, you pretty much had to forget what you had learned and start from scratch again. You primarily work with one other person and if that person quits or leaves for a prolonged period of time, you are responsible for learning/completing all of their work. This can become extremely stressful, especially if your manager doesn't even know how to do the work, yet you're expected to learn it and meet the deadlines.

Another thing that I really didn't like about the Analyst role is that often times, you constantly found yourself working ridiculous hours (over 10 hours in one day, by yourself) without being compensated for it. There are plenty of times when I missed my lunch/breaks and it would go unnoticed. When you would bring it to management's attention, they would tell you that you could take the time off as lieu, which would appear to be fine. However, I used to keep track of all the overtime/extra hours and sometimes management would disagree with my recorded hours, even though what I had was 100% correctly tracked and they were never around to know when I left the building. This became extremely frustrating because I never argued with management and just accepted whatever they asked, out of respect and for the sake of maintaining a good relationship with them.

Also, on a normal day, if you started your morning at say 7am and left work at the normal 3pm time (when your manager started after you), I found that the manager would look down upon you or make you feel bad about leaving work on time when they are still there. Meanwhile, if the positions were reversed and the manager started their day before you, they felt absolutely no remorse whatsoever about leaving on time and you staying there on your own (above your normal shift hours) to do work.

Needless to say, my experiences with management have allowed me to come to the conclusion that it was extremely poor. If you ever needed help with your financial reports, it wasn't as easy as being able to go up to your manager or co-worker and asking for help. Often times you had to figure things out for yourself if you wanted to stay ahead (in terms of how you are perceived in the department). If your manager chose to show you how to do something, they would do it in a way that would try and make you feel stupid about it. And I found the environment very cut-throat. You had one or two people working around you and I found it overly competitive and not fun at all. I even had to have a private discussion with one of the co-workers because of their negative treatment towards me. It became a consistent thing so eventually I couldn't stop myself from not saying anything. Anyways, after these experiences, I never asked for help from anyone and learned to do things on my own, which sometimes resulted in unnecessary overtime.

Because of all of this, just waking up in the morning at the thought of having to come into work and being around people like this was an unbareable task. I really didn't like who I worked with and that became the core problem of why I lost motivation in the job and why work was so unenjoyable. The negative treatment towards me is what forced me to isolate and absorb myself into my own work without the need of any outside assistance.

Although I worked extremely hard to get to the point where I was, I came to the conclusion that I wasn't going to settle working in a job just for the money. If I couldn't wake up every morning and feel content (or at least neutral) about having to go into work, then I wasn't going to put myself through it anymore. To me, it just wasn't worth it.

All in all, TD (as a company) is a great place to work. I think the compensation is fair, the benefits are awesome (I especially loved their wellness account for the gym), and the opportunities are endless. However, be very careful of where you decide to work and make sure that what you are getting into is what you actually want. Do your research, shadow departments, and get to know the people you are going to be working with. If you discover that the job is something you don't like, do not settle under any circumstances. Go out there and get what you think you deserve.

I started in a branch where I was emotionally abused my my assistant manager, almost everyone who worked at that branch felt the same exact way.  There were plenty of complaints we had something called a P U L S E survey where the employees rated management and every single year people would literally write "S.O.S.. or HELP" and nothing was ever done about the terrible work environment. I transferred out of there as soon as I got the opportunity and eventually transferred again to be closer to home. I was finally in a location where management and supervisors were normal, third times a charm right? I felt happy. During my time here I was in the process of buying a house and it was one of the most stressful experiences I could imagine, everything was going wrong. 2 days before my loan closing my manager called me into his office and said "we need to transfer you. X needs an experienced teller for the beginning of the year "(which was about month from that date he spoke with me). I broke down and told him that I chose the house that I am buying to finally be 10 minutes away from work. I chose this location because I have been commuting to work for so many years of my life and I couldn't wait to work this close to home. My manager agreed to talk to the regional manager (who's idea it was in the first place) about my situation, after all there were two other part time tellers in the branch. The next Monday my manager comes in and explains to me that I still have to go and now I have to go next week. Really ? not only did he not care about how I felt he's making me leave sooner now, all because I have good experience. The branch that he was sending me to has an over turn of tellers VERY often. I met someone who worked there and left because she couldn't handle management there and had a mental breakdown. Once again another branch that the majority of people were extremely unhappy at, I was back to square one and couldn't even enjoy the milestone of buying my first house. I was put into a severe depression where I was on the verge of tears every.single.shift. I quickly learned why everyone was so miserable at this new branch. It makes me wonder where they find these managers who have no people skills and why misery loves company so very much. This is only the beginning, crazy right? theres more. A few months or so go by and I am called into my managers office and I find out that there is an investigation going on with all of the tellers in the second branch I was in and I was part of the investigation. My head teller (My direct supervisor at the time) was withdrawing money from an account that she was a beneficiary on but on when you run the transaction through the system it showed as if she was a  joint signer. You had to dig much deeper to figure out that she wasn't joint on the account. The system was flawed. They terminated roughly 10 or 11 people because of this. Each one of us saying the same thing " The system showed her name on the account" they also got us for letting our SUPERVISOR use our computers. Obviously if each person who did the transaction for our SUPERVISOR was let go for the same honest mistake this should have been a learning experience, a write up and a system change but no, what they did was while the few tellers in that branch where at work the regional manager the operations officer and replacement tellers walked in terminated them on the spot and had the new tellers swap in right away, as if they don't have any feelings. WHO DOES THAT ? I would understand if there was criminal activity going on.. but this was such an honest mistake so why would they go about it in such a disgusting way? At least wait until the end of the shift or call them before.. They were even talking about changing all the combinations in front of those who were being terminated, no regard for any of them. They cleaned house that one day but no one called me because I was off and they wanted to waste my time and have me drive to work to tell me I was being let go. They didn't even have the decency to call me the same day they let everyone go because they wanted to make sure if I had any keys or anything that belonged to them I was there to give them back. Needless to say I did not let them waste my time and I did not show up the next day. Of course I got the phone call from the guy who was conducting the investigation and coward of a regional manager who said nothing the entire time on mute on the other line. I held back so much, I try to be the best I can be, and I try to remain mature in situations like this but I do regret not speaking my mind, especially to the regional manager who recently got his position and is absolutely terrible at it. Save yourself from applying to TD, they force you to stand in the lobby and harass customers who just want to be in and out. They make sales goals near  impossible, once you reach them they raise the goal to an unreachable number and its like playing Russian roulette when it comes to working in a branch with normal management. It seems like they love hiring managers with no people skills. The hours are great for the customers and really bad for the employees thats why its "Americans Most Convenient Bank" save yourself ! keep looking. This was a blessing for us who were let go, because now they are begging branches over an hour away for help and each one of us who were let go were really good employees so, their loss.

In my 3 years with TD Bank in the role of a Teller 1 and Teller 2, most days involved opening the branch at 7:45am and not leaving until 5:30-6:30 pm. If there is a meeting you wont leave until 8-9pm. Saturdays were 8:15am-1:30/2:00pm. Sundays were 10:45am-2:30/3:00pm. TD prides itself on being open seven days a week and many times you will find yourself working 5-6 days a week without a proper 2-day weekend (at any point throughout the week) because the company wants to be convenient for their customers but has no regard for your personal work life balance and they don't care if it burns you out. You get allotted a decent amount of PTO but you end up needing personal days to recoup and those  go in as "sick days" because that is the more acceptable and socially palatable reason to call out. 

You will listen to the same corporate-sanitized 30 song playlist for as long as you work for the company with very little deviation if ever. This point of contention admittedly may not be a  negative for some but it made me feel like I was going insane with the repetition. You will get 45 minutes for lunch unless you are shorthanded, in which case only 30. 

You are required to not just be a teller but also reach sales goals that become increasingly lofty as time goes on. Goals tend to increase with success but not at TD. Even if the branch fails to reach their unattainable goals and therefore cannot receive their underwhelming performance bonuses of a couple hundred dollars (when you are generating exponentially more for the company)  there is immense pressure to reach personal goals. It is the only way to even be considered for a minor promotion. The problem is there is no context to how the figures are looked at. 

I started at an extremely small branch with very little foot traffic, and even less new customers. I never hit my goal once while working there. I moved to a larger, busier branch to help the company because they were shorthanded and I immediately started hitting my goals and getting noticed and promoted. 

Did I improve as a salesman or did I just finally have the opportunity to utilize my skillset because I was dealing with a more active, diverse and most importantly higher volume of customers? The answer is both but the company only sees the bottom line. To them, I magically became a powerhouse and for a short period, the recognition motivated me to keep doing well for them at  the expense of my own well-being. 

I lost my faith with the company when I was told I would receive another promotion following three consecutive quarters of hitting my goals. Not only did I hit my goals for three straight quarters, one of those quarters my branch was the best in the region/market. On the 3rd consecutive quarter I not only hit my goal, I was also the top producer among Teller 2's in the region/market. 

I had figured out how to consistently produce numbers within the TD  Bank sales system without offering inappropriate products to customers, and I was teaching my colleagues the same things to help them. I was being a leader and a producer, I was very proud of my work until I realized what all my work was for. 

Instead of receiving my agreed-upon promotion, the proverbial carrot on the stick that I had been chasing like a racehorse, I was blindsided and what I thought would be a significant increase to my compensation and responsibility (being promoted to a supervisor position) turned into one of the most deflating and discouraging moments of my professional career. I was informed that the position was given to a coworker who works half the hours that I did and it felt like the rug being pulled out from under me. Suddenly the goal-posts had shifted and the same manager that agreed to my 2nd promotion following 3 consecutive successful quarters was giving any and all reasons for this other employee to be given what I was promised and had earned.

That was the beginning of the end of my tenure with  the company and why I do not wish to re-enter the retail banking environment despite the fact that I perform well in banking, doing it from a brick and mortar location under the same  circumstances is not something I would consider. I would much rather 

•TD Bank is a great place to work with a lot of benefits for the employees, and plenty of support in your role. Training is adequate, and there are many resources, guides, etc available to help aid education and confidence. Many things are best learned by shadowing and TD fosters a good environment of constant learning, collaboration, and workshops to update and increase employee skills. 

•A typical day can vary based on where a branch is located, the size, and what positions the company has allocated to that location. Every desk employee is cross-trained, but the amount of time spent on the teller line varies greatly and it is a good idea to ask about how your workday would be structured when interviewing. Scheduling can also be different as some locations are open five days per week, some six or seven, so this is also something important to discuss in an interview. 

•TD Bank has a strong commitment to inclusivity, diversity, and accessibility and I have seen this reflected many times. 

•TD Bank pays well but also has high expectations. Metrics, goals, and performance are highly emphasized; but if those expectations are not met the company and management focus on coaching and skill-building, the approach is not instantly  punitive and impersonal. Expectations can become difficult to manage and multi-tasking is constant, so flexibility and the ability to handle stress are a must. 

•The most rewarding part of the job for me is helping folks meet their financial and life goals and providing education about finance, credit, home buying, and more. TD Bank emphasizes advice and guidance, the focus is not just on opening accounts and sales. Sales are guided by advice and discovery of customer needs, rather than a quick, out-the-door approach. 

•One of the more difficult parts of the job, other than multitasking and occasional stress, is the overall change in banking everywhere. TD Bank heavily emphasizes technology and self-service, and if you primarily work at a desk you might often find yourself doing account maintenance, tech support, and assisting clients with fraud cases for most of the work day. 

•Offering solutions and helping reassure clients can be rewarding but also draining and involve many different processes and procedures. The company’s approach to fraud management is wonderful, but compassion fatigue can factor in, and even more multitasking is required. It is not uncommon that follow-up is needed many times before a problem is fully settled. It can be a heavy workload at times, depending on how tasks are assigned at a location. As a Retail Banker II at my location this is primarily how many of my days are spent. 

i worked here for 2 years as a banking specialist i started right before the pandemic and was sent home to work as soon as my training was over. working from home was one of the only plus sides to this job. the job is extremely stressful and exhausting. you quickly realize that the  training classes did not focus much on information you actually use and need every day so you’re often left confused with no help. 

Td bank would send out countless emails about how important mental health is to them but i lost 3 family members while working here (all immediate family members) and i told them i was struggling and that this job was extremely overwhelming for me at the time because of everything going on in my life at once and tried to work with them to switch to part time, switch my schedule, take a leave, or just any kind of time off all i was given was 5 days of breavement and they refused to work with me..anyone who has lost someone or multiple people at once knows you need more than 5 days to feel okay and be pleasant on the phone and be able to focus.. 
 we had weekly 1on1 coaching where stats would be pulled and you would be compared to everyone else on your “team” by your manager and every single little thing i did wrong was pointed out and brought up..it went beyond coaching and constructive training/criticism… i never once received any positive feedback on things i was doing well it was always negative and comparing me..

this job made me feel like i was back in high-school being treated like a child by my team manager.. and how cliquey the team would get and how the manager would clearly pick favorites.

we were given two 15 min breaks and an unpaid 30 min lunch break and the remainder of the shift you were expected to take call after call after call.. you didn’t get any pause between calls, no countdown or ring. a customer would hang up and immediately another call would start you don’t even have a second to take a drink of water, cough or breath. if i put myself in unavailable mode my manager would immediately message me asking why and even if i told them i just need a sec to gather my thoughts or run to the restroom they would just bring up how it will negatively effect my stats and the teams stats. 

I left this job with more anxiety than when i started and now i’m scared to ever get another job related to banking or call centers because of horrible i felt every single day and the amount of anxiety i would feel daily knowing i would just be put down all day by my manager and angry customers while my home life was in shambles. it’s an extremely extremely overwhelming job 



Company culture i noticed a lot of the people in my training group were disappearing! Red flag but I needed the job!! These people got let go during training, decisions are made too quickly the company’s culture i found they look for ways for you to fail rather then ways to keep you m, they look for ways to how they can lose you instead. And believe me this is a bank they have the system in place to support that and any shortfalls from their team managers fall on you.  When they decide to terminate you they look for ways to let you go with just cause rather than regular termination watch out for that!!!! Training facilitators were wonderful positive and very supportive but once you are on a real team it’s free for all, it’s on what bad scale your team manager is!! And in the end it’s always the employees shortfalls not the manager’s.  They don’t take accountability or give real support.  As I mentioned earlier they have a system in place to make it look like that you are supported but the opposite is true.  Life in a call Center is closely monitored but TD is the exception every single minute and second has to be counted for other  banks have like 29 minutes per day that you write off doing activities  for clients granted that the nature of the beast but as I mentioned every single minute and second has to be counted for which brings me to the mother of all things which is what is alarming about with this place the fact that they don’t trust their employees from day 1 , that took me by surprise as working for a Financial  institution you would think trust is monumental and essential in providing good working relationships! They don’t trust you with time they make that clear from day 1 as I mentioned it’s the nature of the job but again you are human other financial institutions take that into consideration not TD.  For example a team mate asked what if I need to use the washroom the answer from one of the leaders was wait until your break!! Is it legal no!! But this is one of many examples where’s this institution is so different from the rest!! I give it a 1/2 star out of 5 stars.  Also They  set traps for you example what do you need so you are able to handle an angry customer you say something like I will need to take a minute to gather myself take a breather and come back to them.  What they heard!!! So you put them on hold so you can maybe go get yourself a cup of coffee.  I hope you are getting a condenses here about this place stay away it’s a toxic work environment .  I wanted to say good things and I wanted to be objective but other then during training that was the only time where you can bring your whole self to work and as far as objectivity I am sorry I couldn’t   be as objective as I would like to be.. 

A typical day of work includes:
- Handling customer complaints about various fees associated with accounts
- Customers losing their debit cards
- Creating new accounts: Business and Personal
- Engaging customers in conversation to uncover their banking needs
- Referring customers to various services that the bank has.
- Assisting customers with the Penny Arcade (a coin counting machine)
- Opening or closing the branch
- Settling the ATM
- Issuing Visa Gift Cards
- Checking on work completed the day before to ensure it is completed properly
- Creating and maintaining personal, car, home equity, and mortgage loans and ensuring customers have a smooth experience between the store level and the processors.

Over the three years that I have been there I have learned so many things.  
-How to handle very large cash deposits
- How to handle and diffuse several different types of irate customers
- What steps are required to conduct any type of loan
- How ATM's work and what to do to settle them
- What types of checks can be deposited into which accounts
- How to open, close, and maintain personal and business accounts

My management team has several different levels in it.  Most of the time I deal with the store level management.  At the branch level there is the bank supervisor, head teller, assistant head teller, assistant manager, and the bank manager.  I have a great relationship with all of them.  We seamlessly work day in and day out.

There are 14 employees of the bank that I work at.  We are all very synchronized, understand each others boundaries, and any changes in employees are welcomed immediately.

The hardest part of my day at work is when a customer comes into the bank looking for an argument.  This is someone who is the hardest to calm down and diffuse.  More times than not everyone will work as a team and try to get the information this individual is looking for.  This team work is what will resolve the issue at hand.

The most enjoyable part of my day is when a customer comes in worried about something and I can completely resolve.  Having my customers leave with a smile on their face and satisfied to know the company handling their money was the correct choice is what makes my day.  This is absolutely my very top goal each and every day with each and every customer.

TD Bank is overall a good place to work with an inclusive and relaxed corporate culture, however the opportunities for advancement seem too few and far between.

As with most jobs, there's no such thing as a typical workday that's applicable to all who may be reading this, but from my perspective I always start by going through emails and checking the status of report executions upon which testing progress is dependent.  From there I check which open test cases I or others on the team have and from there, depending on whether or not test workbooks need to be updated I manage that process for the team.

Once the test materials are ready I move on to comparing test data to our control population to identify variances, and those variances determine which records and workflows I analyze in order to determine which population is returning the expected, and correct, values. As I have far and away the strongest understanding of the reporting platform in question - Axiom Controller View - and the testing methodology, I complete all of my tests and then move on to walking others on the team through theirs using screen-sharing or in-person meetings to identify any defects therein.

The job has provided me with an excellent opportunity to become familiar with and be involved in all aspects of the full project life cycle, from vendor selection through BAU production.  I've developed a solid understanding of multiple software applications and reporting tools, developed SQL skills, and have been given exposure to everything from project management to software development, and everything in between.

In addition, as I mentioned earlier the corporate culture here is for the most part relaxed and low-stress, but that doesn't mean there are not strong expectations that the work will get done, no matter how many hours it takes.  Take that for what it is, but in a salaried position this expectation can get old relatively quickly.

My current interest in exploring outside opportunities is largely being driven by the sensation that I could - and should - be doing more, with greater responsibility and greater compensation - than I'm doing here, not with any overriding displeasure with the organization in general.

TD Bank is the largest independent community bank in Riverside County. Provident Bank is committed to the belief that our communities are better served when decisions about Investment banking financial products and services are made locally by people who know the markets.

Responsibilities:
•	Created SSIS packages and used Analysis Services processing task to update the cube with current data.
•	Created SSIS Reusable Packages to extract data from Multi formatted Flat files, Excel, XML files into  Database and  Billing Systems
•	Extract Transform and Load (ETL) source data into respective target tables to build the   required data marts
•	Created SSIS packages to load data  into Sql Server using various transformations in SSIS.
•	Analyzed the existing tool and participated in meetings with the business users to gather 
•	requirements and design goals of data warehouse.
•	Identified the dimension, fact tables and designed the data warehouse using star schema.
•	Deployed and processed OLAP Cubes.
•	Developed Aggregations, partitions and calculated members for cube as per business requirements.
•	Defined appropriate measure groups and KPIs & deployed cubes.
•	Created Parameterized reports, Cross-Tab reports, Drill down reports & Summary reports by using  SSRS and designed reports using Crystal Reports.
•	Created report snapshots to improve the performance of SSRS.
•	Designed Analytical Cubes by setting direct & referenced relationships between Dimension & Fact Tables, resembling Star Schema. 
•	Created Perspectives on SSAS Cubes as per user requirements. 
•	Created Partitions & Aggregations to improve the performance of SSAS Cube. 
•	Created Calculated Members & Scope Statements in Cube using MDX Script. 
•	Creation of Roles in Cube to define the User Security in SSAS Cube. 
•	Deployment and End-to-End testing of Cubes. 
•	Developed new objects (i.e. Tables, Views, and Stored Procedures) in SQL server 2005 database and performed tuning on it.
•	Migrated database from SQL server 2000 to SQL server 2005 using utilities i.e. exp/imp and attach/detach for SQL servers 2005 futures.
 Environment: SQL Server 2005, Windows 2000/2003,T-SQL, SQL Server Integration Services, SQL Server Reporting Services, SQL Server Analysis Services, SQL Profiler, MS Excel 2003, MSIIS,Visual Studio 2005, Visual Team Foundation Server, Crystal Reports.

As a Banking Specialist on the phones, work was extremely stressful.  Though my career at TD (Commerce until the end of 2008) began with the company being one of the best ones I'd ever worked for, that outlook seriously degraded by the time I left at the beginning of 2013.  The call center environment is cut throat with promotions and choice positions going to people who had connections but no apparent ability or knowledge to perform the job.  Team supervisors would pretend not to notice you at their desk when assistance was needed and some Managers who had been their for years would consistently give answers that turned out to be wrong to questions they were asked.  The work load became increasingly heavy in both positions that I worked while the rewards diminished in response.  Sales goals were unattainable unless accounts were opened without the customer's knowledge (which happened frequently), products were pushed at customers when they were of no benefit to them at all and everything was a hard sell.  Supervisors with absolutely no sales experience were given the task of 'coaching' and critiquing their team members on their sales or lack of.  Being honest with the customer which often lead to low sales numbers would lead to termination within 60 days. The pay was the direct opposite of competitive- from the start of my career there to the end my pay increased by only 54 cents. Positions that did not involve the phones and/or sales goals were in high demand, however, posting to a position off of the phone was nearly impossible due to attainment of sales goals being a requirement for a new position even when that new position had nothing to do with sales goals.  The work environment, as far as co-workers were concerned, was highly stressful.  A lot of my coworkers expressed fear on a daily basis that they would lose their job at any moment due to low sales numbers. All in all, if you're looking for a company to work for where you can expect equal compensation for work completed, advancement opportunities and management/supervisor support, please keep looking and don't waste your time here. When it comes to their corporate culture, TD does NOT walk the talk!

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