kyc/kyt
if there is no recommendation on the cheque scanning screen how much can you give for a personal cheque and how much can you release for a work cheque... when must you hold the work cheque?
2000 for personal and 5000 for work unless cx has not been at their employer for 90 days
what disclosures need to be provided when opening an account?
fsa
about our accounts and related services
about our interest calculations
financial service terms
cdic
what does cdic cover?
chequing and savings accounts held in single or joint ownership or in trust
gic's
foreign currency accounts and investments(domiciled in canada)
term deposits
bank drafts(including us and foreign)
rrsp
rrif
tfsa
property tax account
what transactions can be done for non customers?
cash and coin exchange up to 2999
fx exchange up to 2999 cad equivalent
bill payments up to 2999
visa payment may be made to a larger amount provided a statement is brought in
if the account is less than 90 days old what is the hold policy?
full hold, no 100
what documents must be provided when issuing a new debit card and and what sections must be discussed?
easy access customer confirmation and cardholder and electronic financial services terms and conditions
section 5: card and pin security
section 7: your liability
section 8: our liability
section 10: limits
section 13: resolving disputes
section 14 service charges
section 31:if you have a complaint
why do we offer a low cost bank account
fcac requirement
after opening an account how long must a cx wait before sending a wire or purchasing a draft?
48 hrs
when sending a wire what is a acceptable purpose?
has to be very specific and cannot be just business purposes.... purchasing supplies for the company ect
what documents must be provided when issuing a gic?
what must be verbally disclosed?
confirmation of investment and cdic
interest rate when interest is calculated and paid
the purchase date and matruing date
any charges applicable
whether the investment can be redeemed prior to maturity
if it can be cancelled and the duration period
what are the requirements to cash a government cheque?
federal cheque can be cashed by individuals regardless if they bank with td if the cheque is 1750 or less and they can provide 2 pcs of id from part a or part b OR 1 pc of id from part a or b if identity can be confirmed by a td client in good standing or 1 pc from part a if it bears the persons photo and signature
if you suspect a client is being scammed what is the process?
Advise the customer the transaction cannot be completed at this time and a TD representative will be in contact within 48 business hours to understand more about the transaction.
5.
Lodge a A01 MCOM "POTENTIAL SCAM VICTIM, ESC TO FRAUD FOR FURTHER REVIEW. PROCEED WITH CAUTION" on the customer's profile.
6.
Complete an Unusual Transaction Report for the attempted transaction.
7.
Have a Manager (Branch Manager (BM), Assistant Branch Manager (ABM) or Manager of Customer Experience (MCE)) complete the Scam Escalation Form [xls].
when can we refuse to open an account?
doesn't have a address, no id, you suspect fraud,prior no business dealings
what must be discussed prior to having the client consent to a credit card preapproval or application?
interest rate
grace period
all non interest fees
minimum payment amount
for aeroplan review additional privacy terms in td aeroplan privacy disclosure
access to 100, when does this not apply?
when account is less than 90 days old
cheque is stale dated, double endorsed,not issued in can dollars or issued outside of canada
if a client wants to have their email removed what is the step?
ecpl tool
if the client does not pin authenticate what is required for a transaction if the client is not known?
2 pieces of id and out of wallet questions by supervisor
what must be given by the customer before providing them with any new products or services?
express consent
what is the hold period for cheques up to 1500? OVER 1500?
4 DAYS ONLY IF ACCOUNT IS OPENED MORE THAN 90 DAYS
over 1500 5 days
what complaints are lodged to relationship builder and how?
select new complaint when relationship builder opens with cx profile. has to be specific to their product service and cannot be a general complainr such as long lines