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Investment & Personal Banking Specialist - Multiple Locations
Scotiabank | Montreal, Missouri
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Job Description

Requisition ID: 2568

Join the Global Community of Scotiabankers to help customers become better off.

Major Accountabilities:

1. Provide a full range of customized financial solutions using a basic financial planning approach focused on building and maintaining long term relationships, primarily with unassigned customers by:

• Creating basic financial plans leveraging advice based tools/resources and select financial planning modules

• Focusing primarily on responding to the needs of targeted customer segment supporting all other segments as required

2. Primarily focus on unassigned customers, establishing and servicing relationships by:

• Understanding customers’ financial goals and preferences, analyzing their needs and recommending the appropriate strategies and solutions to help them achieve their goals

• Ensuring new and existing customers are aware and set up with self-service banking solutions, providing personal demonstrations on how these solutions add value (Online, Mobile, Interactive Voice Response (IVR), Automated Banking Machines (ABMs), Info Alerts, etc.)

• Using sales tools to gather customer information and cross-sell solutions based on customers’ financial and Life Stage needs

• Referring unassigned customers with more complex needs to the appropriate Advisor

• Diarizing next contact as required

3. Contribute to our defined Customer Experience Model, providing an excellent customer experience by:

• Consistently delivering on our service and advice promise during all customer and employee interactions

• Delivering on the basic advice expectations of our customers

• Maintaining a professional image that is a positive reflection of Scotiabank

• Strictly adhering to compliance policies, procedures and processes

4. Contribute to the overall business objectives of the Branch team by:

• Acquiring, retaining and growing loyal customer relationships primarily focusing on unassigned customers

• Meeting established individual goals through effective management of activities and opportunities

• Actioning tailored customer leads as required

• Asking for referrals from satisfied customers to grow the business

5. Minimize the Bank’s exposure to risk by:

• Contributing to operational excellence and a satisfactory Branch audit

• Staying current on retail lending compliance, regulatory compliance, Know Your Customer (KYC) and custody requirements and changes

• Adhering to retail lending policies, procedures and processes

• Adhering to compliance with regulatory activities and guidelines as part of the sales process, including Privacy, Anti-Money Laundering (AML), Anti-Terrorist Financing, Financial Consumer Agency of Canada (FCAC), Know Your Customer (KYC), Canadian Deposit Insurance Corporation (CDIC), Mutual Fund Dealers Association (MFDA) rules, regulations and policies, as well as Scotia Securities Inc.(SSI) guidelines/processes, and Guidelines for Business Conduct

• Adhering to compliance with regulatory activities and guidance over Occupational Health & Safety

• Ensuring strict adherence to Bank security procedures, including retail lending policies, assigned authorities and limits

• Escalating fraudulent activities, unusual occurrences, issues/deficiencies/trends to your direct supervisor and/or Branch Manager and/or AML Officer and/or Branch Compliance Officer or Alternate (BCO/ABCO) and/or Chief Compliance Officers and/or applicable Shared Services Department as appropriate

• Adhering to cash, custody and security procedures and policies at all times




Expert knowledge of:

• Payments Solutions: Day to Day (D2D) and Credit Card (CC)

• Self-service product solutions such as Online, Mobile, Interactive Voice Response (IVR) and Automated Banking Machines (ABMs)


Thorough knowledge of:

• Applicable Branch technology platforms and systems

• Customer Life Stage needs

• Regulatory compliance in relation to the sale of our products, storage of information and ongoing monitoring of customer relationship; specifically in relation to Know Your Customer requirements; Privacy, Anti-Money Laundering/Anti-Terrorist Financing, FCAC, CDIC and Occupational Health & Safety

• Applying our defined Customer Experience Model during all customer interactions

• Select Advice Tools: TotalView, Account Selector, Moneyback Calculator and Customer Experience Model

• Advice Conversation techniques

• Products, services, features and benefits and related policies and procedures of: Borrowing, Investments and Creditor Insurance

• Credit risk/adjudication policies and processes

• Retail lending policies and processes


Education/Work Experience/Designations

Licensed to sell mutual funds

Successful completion of the CIFP Registered Financial and Retirement Advisor Course – Part 1 (or Bankrecognized equivalent)

Completion of supported Continuing Education courses and activities




Working knowledge of:

• Financial planning tools (all modules) and Advice tools

• Financial planning process

• Basic Small Business products and services

• 5 Cs of Credit: Character, Capacity, Capital, Collateral, Conditions

• Products and services provided by the Bank’s specialized sales forces and other delivery channels such as GlobalWealth & Insurance, National Mortgage Sales and Commercial Banking

• Interviewing, solicitation, proactivemarketing techniques and telemarketing techniques

• Competitor offerings and market trends

• Marketplace in which the Branch operates

• Branch routines and operating procedures

• Customer Segmentation

• Needs assessment and relationship development

• How business lines and centralized support areas work together to deliver on our service and advice promise

• Branch systems (e.g. Free Forms Teller (FFT as required), Branch IntraLink, Sales Builder, HR Passport, and My Learning Centre) transactional services and associated procedures


Location(s):  Canada : Quebec : Montreal

As Canada’s International Bank, we are a leader when it comes to inclusion. We are a diverse and global team, speaking more than 100 languages with backgrounds from more than 120 countries. We value the unique skills and experiences each individual brings to the bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. Candidates selected for an interview will be contacted directly.  If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.

This company profile was created by AfterCollege and is about Scotiabank. This page is not endorsed by or affiliated with Scotiabank. For questions regarding company profiles, please email: care@aftercollege.com.