Payments & Deposit Operations Representative III (US)

TD Bank • Lewiston, ME

23h • $23 - $31 • Onsite

About The Position

The department is part of Document Management, maintaining physical documents for all retail loans, for all lines of businesses. This includes commercial, small business, residential and consumer. They retain physical retention, scan documents, and manual indexing. The Payments & Deposit Operations Representative III will be the point person for loan sales.

Requirements

• High School diploma
• Works within moderately defined guidelines and/or is responsible for activities involving multiple steps, systems, and jurisdictions
• Requires advanced skills and expertise in a range of products and services, processes, procedures and systems in a set of focus areas, where transactions could be characterized by moderate risk/financial impact
• Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Identifies and resolves issues within authority on processes or transactions or escalates internally as required
• Generally interacts with internal partners; may also interact with external customers for functions performed
• May provide process/policy guidance to others (e.g. within team, internal partners)
• Focus of work spans from daily, weekly to monthly activities
• Requires solid knowledge of the business unit and operational functions for the business area supported as well as regulatory issues/requirements for jurisdictions supported

Responsibilities

• Executes more complex transactions and overrides accurately, on time and in line with established guidelines/procedures while adhering to formal or informal Service Level Agreement(s) (SLAs)
• Refers or escalates processing or operational issues as needed based on a solid understanding of the issue, connecting with the appropriate function/partner to facilitate resolution and ensures that service quality is maintained
• Identifies opportunities to improve service delivery
• Provides accurate and thorough analysis of key process drivers, root or systemic causes of cross functional operational issues, interprets findings and makes recommendations
• Supports partners with both inbound and outbound requests from various channels, answering questions to perform adjustments within authority levels
• Prioritizes and completes own workload to meet SLA requirements for service and productivity and/or supports team manager in prioritizing and managing team workload
• Actively maintains understanding of internal and industry regulations and trends, developing and sharing knowledge of emerging issues/risks, and assesses potential impacts as it relates to operating policies, standards and procedures
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality
• Supports development and/or implementation of standards, policies, procedures, and solutions that mitigate risk and maximize availability of service, efficiency and effectiveness
• Contributes to the development/delivery of presentations/communications to management or broader audiences
• Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
• Adheres to enterprise frameworks and methodologies that relate to operations activities for own area (e.g. Anti-Money Laundering, Business Continuity Management)
• Supports change management projects or programs that impact the business, functions or processes and ensures clear communication and documentation of new processes
• Identifies, leads and actively participates in process improvements and determines solutions that will allow business to grow
• 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 the timely communication of issues/points of interest
• Supports the team by actively building operations knowledge, thinks critically about processes and opportunities for improvement, shares ideas and transfers knowledge within the team, across the function, and with partners (e.g., audit, business insights)
• Provides training, coaching and/or guidance to others on the team
• Participates in personal performance management and development activities, including cross training within own team and other teams in the operations function
• Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other departments
• 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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Engages and liaises with contracted external vendors to support, solution, and supplement business needs and processes
• Acts as a brand ambassador for the function and the bank, both internally and/or externally

Benefits

• 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.
• 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.
• 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.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED