Pros
Entrepreneurial environment, fully vested 401k contributions after one year of service, good benefits, decent time off (PTO) accumulation rate.
Cons
I accepted this low paying FSR role knowing full well that it was an entry-level avenue towards becoming a financial adviser. I was told on the interview that FSR's are responsible for some customer service, but their primary focus should be helping customers achieve their financial goals. That was a bold faced lie. This job is 97% customer service and 3% Financial Services. You will NEVER get a chance to meet your FSR goals since you are constantly handling petty customer service issues. The FSR's that do meet their goals are far and in between and either have a good branch management support system or are in a demographically beneficial area that make financial sales easier. Management has no clue how to actually run a bank branch and they are lazy. Technically, the senior teller makes the schedule for everyone so management truly does nothing and looks good doing it. The place runs itself, which is sad because it seems as though the inmates are running the asylum. You are basically a well dressed customer service representative who just so happens to have a handy life and health insurance license. There is no signage or anything advertising that there is an FSR on duty at the branch, and the FSR has no office (nor the manager). The FSR role is a complete and utter joke. How can I advise anyone when I work at what is the equivalent of a banking transaction truck stop? Employees are lazy and want everything handed to them and do not understand the most basic of tasks. Your schedule will say you get off at 5:30 when in fact, you get off at 6:15 because you are busy helping the teller's ship money out for the next day. There is no work/life balance in this role. Take this job only if you are really hard pressed for money or (gulp), experience. Heed my words, run from the FSR role. TD seems like they really haven't figured out the FSR role and it's a shame because they really could have something great if they just model what the other big banks are doing.