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TD Securities Interview
Questions

27 Questions and Answers by
| Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.

Question 1 of 27

If you noticed that a company's balance sheet was showing increased amounts of accounts receivables, what future impacts to that company would you consider to be feasible?

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TD Securities Interview Questions

  1. 1.

    If you noticed that a company's balance sheet was showing increased amounts of accounts receivables, what future impacts to that company would you consider to be feasible?

      At the root of this question, your interview will be looking to hear that you understand how the different lines on a company's balance sheet are related to each other. In your answer, be sure to point out your understanding of this as your job as an analyst with TD Securities will rely on your ability to do so.

      Ryan's Answer

      "An organization's lines on a balance sheet all have impact on other lines. In the case that I was made aware of an increase in accounts receivable for an organization, I would note that cash flow could be directly impacted and give a higher chance that the organization didn't have enough money to operate. As well, the reduced value of assets is a real possibility for that organization."

      Ryan's Answer

      "In reality, an increase in amounts receivable can have both a positive and negative impact. In the short term, accounts receivable show up as current-period revenue and have a positive effect on income statements. But over the long-term, a large increase in amounts receivable has a negative impact on cash-flow for the company."

  2. 2.

    Have you ever run into a situation where a company had a positive cash flow but was still in critical financial trouble?

      At the heart of this question, your interviewer is looking to dive in and take a look at your critical thinking skills. While positive cash flow is usually a very good sign of a company's overall ability to settle its debts and handle future financial challenges, there are some situations where all isn't as it seems when looking at a company with a positive cash flow. Whether you have run into this situation or not, it is important for you to point out that you are aware of situations where a positive cash flow can be misleading.

      Ryan's Answer

      "If hired for this position, you can rest assured that I know all considerations necessary when looking at cash flow for an organization when determining their overall financial health. A cash flow statement can often show positive cash flow when they take on new cash from loans or long-term debt. While these items do show up as positive on the cash flow, they don't accurately reflect the profitability of the organization."

      Ryan's Answer

      "I have come across this situation with a company that was selling off a large chunk of inventory. At the same time, the company was delaying their payables. This showed a very skewed positive cash flow but the real story behind the curtains showed a company that was in serious trouble of keeping its doors open."

  3. 3.

    Are you familiar with any of the financial fraud detection software that is being used today?

      With today's technology available utilizing artificial intelligence, sophisticated algorithms and real time learning techniques, Fraud Analysts have many software programs available at their fingertips to help do their jobs effectively and efficiently. For this question, be sure that you have a solid base of knowledge surrounding the features and benefits of the programs that are available and tell your interviewer which ones you have experience with. As you answer, be sure to let your interviewer know that you are open and able to learn any program required out of this position at TD Securities.

      Ryan's Answer

      "Over the last eight years working fraud prevention in the banking industry, I have worked on and attended many training seminars for programs like Q2, INETCO and bugurro and I have found myself to be very to learn and proficient in programs like these. Knowing that the difficult tasks of scouring through and patterning thousands of bank transactions per day can be solved with a program like these gives me a lot of confidence in my work to handle all of my other duties with confidence."

      Ryan's Answer

      "In my current role as a Fraud Analyst in the online retail world, I work with a program called DetectR. I love that the program is cloud based and allows me to customize our parameters for fraud detection on the fly and allows me to chart notes within the program. Being very computer and software literate, you will find that I am able to learn any new programs in a short time and thrive within them if hired for this position here at TD Securities."

  4. 4.

    If hired for this role at TD Securities, I want to be sure that I'm hiring a motivated individual. What motivates you in your daily work and your career?

      In the financial services field, you should have strong personal motivation to succeed in your work and your interviewer is asking this question to see what it is that make you tick while on the job. While being open and honest in how you stay motivated on the job, make sure that your answer doesn't include collecting a paycheck every week or two. While money is certainly a motivator in this field, make sure that you use it in an appropriate context if you decide to talk about the financial piece of this business as being a motivator. In the end, your interviewer is looking to get a sense of how he or she will be able to keep you hungry for more if you are hired for this role.

      Ryan's Answer

      "I find myself the most motivated on the job when I am being challenged and when I can continue learning new things. From what I've learned in talking to others that currently work here at TD Securities, the fast paced environment and continuous changes in the industry would keep me very motivated in my work and you'd never have to question if I were truly enjoying and being motivated in my work."

      Ryan's Answer

      "At a young age, my father taught me to do what I love and love what I do and I know that as I approach the middle years of my career that I made the right career choice. The personal finance field has really blended my love of helping others succeed and my passion for statistics and computers. In this role with TD Securities, I'll be working with your clients everyday on helping them achieve financial success and that alone is all of the reason I need to get out of bed every morning."

  5. 5.

    Discuss a time that you worked a client through a difficult financial situation. What were the keys to making it a success for the client?

      Your interviewer is posing this question to see how you will handle a situation where a client at TD Securities is working through a difficult time. As you talk about how you managed that situation, your interviewer will be looking to hear that you have the interpersonal skills to be effective from the client's perspective. In your answer, be sure to explain the importance of an empathetic approach with your clients and how that approach helps them get through a difficult time.

      Ryan's Answer

      "During the recession in 2008, I had a very large client call to request that all of his funds be pulled out of the stock market. Knowing that this move was a very poor strategy, I needed him to hear that in most personal and educated way possible. With an active listening approach, I repeated back what he had told me and I reiterated that he wanted to sell them at a low price and hopefully buy them back down the road at a high price. This made the client take a pause and think. This was my opportunity to talk about market history and the odds that his stock prices would rebound over time. He decided to keep his funds in the market at the time and a few years down the road, he called to personally thank me for the sound advice. The fact that I took a personal approach while educating him in the process to make his own decision was the definite key to success in this situation."

      Ryan's Answer

      "Sometimes in this field, difficult conversations have to be had with clients and when I need to have them, I use a very personal and empathetic approach. A great situation where this happened was with a client that wasn't meeting their personal retirement goals to be done working at age 62. At the point we were working together, she was 55 years old. After a quick assessment of her finances, I talked to her about letting her two kids be responsible for their own college tuition. As a mother, her intuition was to support her children in every way possible but the reality was that it was hurting her own goals. Simply put to her, I told her that there are no loans available for retirement and that she was doing both herself and her kids a favor by taking the route I suggested."

  6. 6.

    If hired for this role at TD Securities, how would you help make sound investment decisions for our clients?

      While certainly an open ended question for you to run with, your interviewer is really looking to get a sense that you are resourceful in your decision making processes and that you don't rely too heavy on quantitative or qualitative information to make decisions. In your answer, talk about the sound use of data while also relying on your experience and judgement to help in your decision making processes. As well, if you are open and experienced in a team based approach among fellow colleagues, talk about that as well.

      Ryan's Answer

      "In my current role, we have a great team that considers many factors in our investment decisions for our clients. Our engineers have developed mathematical models that gauge the markets and their propensity to shift over time. We have a team of market experts that rely on the new and current times to predict future fluctuations. As the Portfolio Managers, we weigh information from all of these teams to make decisions moving forward and this allows for the greatest confidence in our overall decisions."

      Ryan's Answer

      "While all of our decisions for our clients are based on assumptions, my experience has taught me to weigh in many different factors when making investment decisions. Looking at historical data to predict futures carries some weight and can be accurate at times, but having firsthand knowledge of different businesses and industries like I do helps put that historical data into perspective when trying to predict the future. If hired for this position at TD Securities, I'll have that ability to make the best decisions possible for your clients."

  7. 7.

    How do you think our field of fraud analysis will change in the next five to ten years and how will you be able to help TD Securities stay at the forefront of those changes?

      As fraudsters become more tech-savvy and the underground world of hacking becomes more sophisticated, your job as a Fraud Analyst will require you to become more agile and diligent in your work. For this question, show your interviewer that like to stay at the forefront of your field by talking about how you stay informed and talk about what you feel are the biggest things to keep an eye on in the future. This will show your interviewer that you have the mindfulness to help fraud prevention at TD Securities for years to come if hired for this role.

      Ryan's Answer

      "Based on a recent industry event that I attended a couple of months ago, criminals are really ramping up their approach to breaching facial and voice recognition software and I think that financial institutions that are using that technology need to ramp up their security measures even further. This doesn't surprise me though as throughout the advent of technology, the bad guys are often right behind and then jumping ahead of current technology. As a member of the ACFE, I find that I am able to stay on the forefront of our field to help my work here in the future with TD Securities."

      Ryan's Answer

      "I think that hackers will continue to build upon their attempts to con people out of their personal information as more and more corporate mergers continue to occur into the future. These times see a lot of financial institutions with a need for consumers to reverify their information and criminals will continue to be at the forefront of trying to stay one step ahead of vulnerable consumers. While password protection is certainly important, our work as Fraud Analysts must continue to be diligent to be able to detect when a users identity is compromised."

  8. 8.

    We want our advising team at TD Securities to be happy and healthy. How do you manage the day to day stress of being a financial advisor?

      The daily stressors of a career in financial advising can be burdensome, overwhelming and lead to burnout on the job. To get a sense that you can handle stress in a safe and healthy manner and be able to come to work each day with a clean slate, your interviewer is looking to delve into your personal life a bit to see how you manage stress. When answering, you can certainly talk about the things you do on the job to keep as stress free as possible, but also be sure to talk about the things that you do outside of work to avoid burnout. Point out that you have the resources and ability to care for yourself to keep you at the top of your game on the job.

      Ryan's Answer

      "To begin with on the job, I consider myself very excellent at handling stress. Being a goal oriented person, I find happiness in obtaining goals and consider any necessary stresses in pursuit of a goal healthy. Outside of work, I am a very active person that trains for marathons and spends a lot of time outdoors with my family. I find that these activities help cleanse my mind and heal my body to prepare for a new week on the job."

      Ryan's Answer

      "When I maintain a healthy diet, exercise regularly and spend as much time as possible outside of work with my children, any unnecessary work stresses are put on the back burner and often relieved immediately. I'm a firm believer in a healthy work-life balance, even though it can be very tough to do in our field. Having the ability to answer a client email or phone call during off hours while unwinding has made our work lives better as well."

  9. 9.

    At TD Securities, we expect our advisors to be available to speak with clients in person, over the phone and through email. What are your experiences in working with clients through different communication methods?

      Customer interaction is the name of the game at TD Securities as they rely on excellent customer to service to retain and grow their client base in a cutthroat market. For this question, your interviewer is looking to get a sense of how you use your communication skills to your advantage in your work and how those skills will benefit TD Securities. As you answer and talk about your experiences in communication methods, try to show that you thrive on client interactions and have the ability to be both persuasive and trusted with those interactions.

      Ryan's Answer

      "Looking back on my career, I can honestly say that success as an Advisor is really due to my passion for finance and my desire for interactions with other people. Being a people person at heart, I love working with clients in any way possible. My communication style with clients is to get to personally know them so I can relate my advising to them personally. While I definitely prefer to interact with my clients face-to-face, I do have a lot of experience communicating both over the phone and email as well. If hired for this position, you'll see very quickly that I have excellent writing skills."

      Ryan's Answer

      "As you can see from my resume, I have taken advanced training courses in public speaking and written communication to help further me in this career field. In my early days in finance and making the move to financial advising, communication skills were my area that needed the most professional development. Today, I am confident in my abilities to work one on one with clients directly in person, over the phone or through email and have experience handling clients in all three ways. In my current role, I'd estimate that over 50% of my interactions are through email with the remaining interactions split between face-to-face meetings and phone calls."

  10. 10.

    We are looking for the most motivated individuals to join the team here at TD Securities. Where you would you like your career to take you in the next five to ten years?

      This common interview question put you in a tough spot where you should talk about your ultimate career goals while also balancing the needs of the position that you are interviewing for and the needs of TD Securities. Prior to your interviewer, try to research the job and TD Securities to the point where you can match your career goals with they TD Securities offers. While your interviewer is looking for a long-term fit for the position they are interviewing you for, it is okay to set your sights higher as long as your goals meet that of the organization's goals. If at all possible during your answer, point out that long-term success with TD Securities is vitally important to you.

      Ryan's Answer

      "Now that I am to the midway point of my career, I am looking for my next move to be my final move in finding my work home until I retire. As a successful Financial Advisor today, I want to focus on continuing to grow my skills in advising clients on retirement and private wealth management and it sounds like I'll have that opportunity here at TD Securities. As I continue to grow in my skills and prove my worth to you, a long-term career goal is to be in management where I could oversee the work of Junior Advisors and mentor them towards success."

      Ryan's Answer

      "A career in risk analysis has been a dream for some time and this opportunity with TD Securities is really my dream job. If hired here, my goal for the next five to ten years would be to continue to hone my skills and help the work of the department to a point where it is growing and becoming more effective. Down the road, I'm really in a position to be an open book when it comes to where my career with TD Securities would go from there."

  11. 11.

    In your work as a Portfolio Administrator, what kind events cause you the most stress on the job?

      The high demands of a position as a Portfolio Manager or Administrator bring a lot of stress. Market volatility, greed, underperformance and tough clients can all contribute to a high level of stress in this field. For this question, your interviewer is looking to gain insight on how you handle these stress factors on the job by having you talk a bit about what types of things cause you stress. While you talk openly about what it is that causes you stress or discomfort, make sure that you also talk through how you handle that stress in a safe, healthy and good for business manner.

      Ryan's Answer

      "While overall market volatility does stress out a lot of Portfolio Administrators, I have a very good way of explaining this volatility to my clients to the point where it doesn't stress me out. For me, any stress that I feel is usually put on me by myself in having very high expectations for my work with clients. To help alleviate this stress, I've learned over time that the goals and expectations that I put on my work have to be realistic and attainable when they sometimes weren't early on in my career."

      Ryan's Answer

      "In reality, our work as Portfolio Managers for our clients is almost like trying to do the impossible. We are relied upon to make sound decisions for clients based on insufficient information, all while trying to maintain confidence in our decisions. This in itself is a daily stressor on the job and one that I don't take lightly. To help myself with this daily stress, I've learned to accept mistakes as they happen, own up to them with clients and work hard to alleviate those mistakes to put my clients back in the best position possible."

  12. 12.

    If I were to hand you $100,000 to invest today, where would you put that money and why?

      As a simple tool to gauge how you will both satisfy clients and make a profit for TD Securities, your interviewer is looking to hear how you would invest money right now if given the chance. While there is no right or wrong answer for this question, show them your knowledge of breaking up assets based on age if possible. As well, don't hesitate to call out your knowledge of specifically allocating funds into different sectors or individual businesses or industries. In the end, make sure to give a full explanation of why you are choosing what you are to sell it to your interviewer.

      Ryan's Answer

      "If the money was given personally to me to invest for myself, I would go for a 50-50 split between stocks and bonds being that I'm 37 years old. This would provide a good mix of funds that could be placed into aggressive IT and healthcare type stocks with a lot of growth potential while keeping half safe in the bonds market."

      Ryan's Answer

      "Being that I am young and willing to wisely be aggressive with money invested for myself, I would look for gems in certain industries like social media and internet retail sales. Amazon is expected to see prosperous growth and so are places like Pinterest and Facebook. I'd be wise with these investments while being sure to pay close attention to futures forecasts as those could change quickly, meaning a shift in my direction as well."

  13. 13.

    What is the most attractive thing in your eyes about this role with TD Securities?

      For this question, your interviewer is looking to gain insight into what you know and like about TD Securities and how they will be able to help you meet your career goals. In your answer, try and stay focused on the alignment of your values with the organization's values and demonstrate that you've done your research on TD Securities and the job you are interviewing for. To try and maintain positivity in your answer, try not to talk bad about a previous employer as that can make you sound like a difficult employee and raise a red flag for your interviewer.

      Ryan's Answer

      "Over the past couple of years, I've had an eye on pursuing a career with TD Securities because of your reputation as a forward moving financial institution and your commitment to the communities that you do business in. As a person that believes in togetherness and helping others out where possible, these are values that I hold very high and would bring to the team here."

      Ryan's Answer

      "As I enter the midway point of my career, my job search has been focused on finding an employer that I can spend the rest of my career with and someday retire from. Looking at the history, culture and growth of TD Securities, this is definitely a place that I'd love to be a part of as you continue to grow and prosper into the future."

  14. 14.

    TD Securities strives for client loyalty to keep us running strong into the future. What do you feel are the keys to retaining clients for the long haul?

      Businesses in financial advising are constantly pushing the limits to ensure that they retain clients and TD Securities doesn't take client retention lightly. One slip up and a high profile client will be taking their business to a competitor. For this question, your interviewer will be looking to hear that you understand your role in the customer retention equation and how you take pride in that in your everyday work. Make sure to hit on the point that doing the small things, like prompt communication and follow up, go a long way towards keeping clients happy.

      Ryan's Answer

      "I learned a few very important things from a senior mentor early in my career that I still hold near and dear to my heart to this day. First, clients expect me to be responsive to their needs to ensure that they keep their business with me. Because of this, I return phone calls and emails as soon as I can, even if that means in the evening, the early morning or on a Sunday afternoon. These small actions go a long way in showing my clients that I care. Another key to the success of my long-term clients is my ability to set and manage expectations for them. Clients desire to have a plan and know what that plan entails and I pride myself on my ability to work with them to set goals and a plan to achieve those goals."

      Ryan's Answer

      "Having lost clients in the past that went to another firm, I take that pain personally and do everything I can do to ensure long lasting relationships with my clients. For me, the first key to long term success with my clients is a proactive approach. I don't wait for clients to get in touch with me to make changes to their portfolio, I reach out to them. This action alone shows my clients that I am working for their best interest. Another action I take that shows my worth to my clients are goal tracking and quarterly progress reports that I send out to them. This is particularly helpful for clients that are working with me in their first two years."

  15. 15.

    This position at TD Securities has generate a lot of interest from applicants. What do you feel is the one quality that sets you apart from others we are speaking with about this position?

      This question is the perfect opportunity for you to highlight the one key quality that makes you the best person for this position, so be sure to really think about what this one quality is ahead of your interview. While there are many ways that you can take you answer to impress your interviewer and seal the deal for you in getting the job, be sure to avoid making assumptions about the other candidates in your answer. As well, be sure to avoid anything in your answer that points to this job being convenient for you personally or the fact that you'll be getting compensated for this work. Those are quick ways for you to go to the bottom of the candidate ranking list.

      Ryan's Answer

      "As I've talked about during this interview process and from what you can see on my resume, I have all of the technical skills needed to grow your financial advising practice here at TD Securities. What sets me apart from my competition is my drive to succeed in this industry and I'd love to bring that drive to TD Securities to help working with your highest profile clients possible. Growing up and continuing to this point in my life, I've always been a very competitive person. I've played many team and individual sports my whole life and my drive to win in those has definitely carried over to and been a huge benefit in my work as a Financial Advisor. I'd love to bring this competitive spirit to your team."

      Ryan's Answer

      "From what I understand about this role in Client Services with TD Securities, my day to day work will include a lot of client interaction and I really feel like the job description was written with my skills and abilities in mind. But the thing that will really set me apart for being the perfect fit for this role is my experience on the sales side of things where I spent five years of my working career in the retail sales industry. In sales, I have developed key skills like product knowledge and selling skills that would be very beneficial to this role."

  16. 16.

    Why would our clients here at TD Securities want you to be their financial advisor?

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  17. 17.

    Give me an example of a time that you had to solve a problem without having all of the necessary information at hand to do so. How did you handle that situation?

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  18. 18.

    Give an example of a time that you had to resolve a difficult situation with a client or customer. What were the keys to coming to a successful solution?

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  19. 19.

    Tell me about the largest financial portfolio you have been responsible for.

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  20. 20.

    How long will it take you to make a meaningful contribution to our team at TD Securities?

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  21. 21.

    What types of compensation structures have you worked under in the past and do you have any expectations for this role with TD Securities?

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  22. 22.

    Talk to me about a challenging situation you had to handle on the job that involved another colleague. How did you handle that situation?

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  23. 23.

    At TD Securities, our Financial Analysts have to often work under a tight deadline. Talk about a time you had to work under a tight deadline in the past. How did you handle that situation and what made it a success?

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  24. 24.

    Describe to me a time when you made an error in your current or former position, and the impact your mistake made? How did you correct the error, what did you learn from it?

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  25. 25.

    At TD Securities, our clients are the lifeblood of our business and we do everything in our power to make them happy. What does the term customer service mean to you in your work?

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  26. 26.

    Can you think of a situation where raising debt over equity would be beneficial?

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  27. 27.

    If hired for this position at TD Securities, what factors would you consider part as part of an organization's long-term liability?

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