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TD Securities Interview
Questions

27 Questions and Answers by Ryan Brunner

Published April 21st, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Question 1 of 27
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?
View Answers
How to Answer
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.
27 TD Securities Interview Questions
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  1. 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?
  2. 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?
  3. If I were to hand you $100,000 to invest today, where would you put that money and why?
  4. 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?
  5. Why would our clients here at TD Securities want you to be their financial advisor?
  6. Have you ever run into a situation where a company had a positive cash flow but was still in critical financial trouble?
  7. 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?
  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?
  9. 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?
  10. 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?
  11. In your work as a Portfolio Administrator, what kind events cause you the most stress on the job?
  12. 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?
  13. Tell me about the largest financial portfolio you have been responsible for.
  14. What is the most attractive thing in your eyes about this role with TD Securities?
  15. How long will it take you to make a meaningful contribution to our team at TD Securities?
  16. 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?
  17. What types of compensation structures have you worked under in the past and do you have any expectations for this role with TD Securities?
  18. Talk to me about a challenging situation you had to handle on the job that involved another colleague. How did you handle that situation?
  19. 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?
  20. 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?
  21. 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?
  22. 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?
  23. Are you familiar with any of the financial fraud detection software that is being used today?
  24. If hired for this role at TD Securities, how would you help make sound investment decisions for our clients?
  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?
  26. Can you think of a situation where raising debt over equity would be beneficial?
  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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15 TD Securities, Inc. Answer Examples
1.
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 #1
"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 #2
"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."
2.
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 #1
"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 #2
"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."
3.
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 #1
"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 #2
"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."
4.
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 #1
"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 #2
"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."
5.
Why would our clients here at TD Securities want you to be their financial advisor?
As a professional in financial advising, you know that relationships are built on trust and integrity and for the business at TD Securities, this is equally important. For your answer, your interviewer will be looking how to hear how you build trust with your clients to ensure that they are customers for life. In your answer, make sure that trust and integrity are common themes as you discuss how you work with each client's individual needs to build their portfolio.

Ryan's Answer #1
"Looking back on my career to this point, I can say with confidence that my success, and the success of my clients, has been due to my ability to build trusting relationships. My path for building a trusting relationship consists of education, communication and action. I educate each client on a personal level, I set expectations for them and deliver on what I say I'm going to do. If hired for this position here at TD Securities, you'll be hiring a Financial Advisor that will be great at bringing aboard new clients as I have many current clients that I am confident will follow me here."
Ryan's Answer #2
"Like in any financial advising relationship, confidentiality and integrity are of utmost importance to clients and these are pieces of the relationships with my clients that I hold in the highest regard. My clients know that I can be trusted to safeguard their personal information and use the best resources possible to help make the best decisions for them based on their personal information and situation. I pride myself on the fact that my clients trust me with their personal information and your clients will have this trust in me as well if I'm hired for this position."
6.
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 #1
"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 #2
"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."
7.
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 #1
"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 #2
"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."
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 #1
"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 #2
"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.
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?
For this question, your interviewer is looking to test your ability to be analytical and resourceful in a specific situation where you had to dig further to solve a problem. Prior to your interview, try to think of a time in the past where you encountered this specific situation and talk through it by laying out the problem and walking through the step-by-step approach you took to solve the problem. Try to be as detailed you can as you explain how you thought the problem out and worked hard to use the resources you could to help solve the problem. Your interviewer will be relying on these fine details to truly see how you will perform on the job with TD Securities.

Ryan's Answer #1
"Back when I first joined my current organization, I was taking a role that had been vacant for many months and I had to start with a backlog of work along with the regular daily activities. This customer service role included logging daily visitors and calls and the interim rep only kept brief notes. After taking the time to walk through training and getting running on my own, I realized that the current workload wouldn't allow me to catch up on the backlog of work that had been missed. While I had ideas of how to play catch up on the work, I approached my supervisor with a few ideas and we settled on having me log hours from home on our system as overtime to get caught up. I worked with our IT staff on getting set up on our network from home and was more that willing to help out with some extra hours."
Ryan's Answer #2
"Working for a large financial institution, our advisory staff help cover for each other when we are on vacation, sick or simply out of office for the day. We typically team up in group of three to help provide coverage for each other. A couple of months ago, I fielded a call from a colleague's client while she was away on vacation and completely out of phone coverage. The client had several questions about their personal finances that I couldn't help resolve off the top of my head. I let them know that their advisor was away on vacation but I would take the next hour to research their questions and get back to them shortly. This was a very acceptable path of action to the client and I took the time to get their questions answered quickly."
10.
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 #1
"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 #2
"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."
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 #1
"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 #2
"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.
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?
In a front facing role with TD Securities where you will be interacting with clients on a daily basis, your interviewer wants to be ensured that you have the skills to resolve client issues with ease and they'll look to do so with this question. In your answer, let your interviewer know that you can take ownership of any situation by talking about a specific time where you did what was necessary to alleviate a difficult situation with a client. Talk about the resources that you used and your interpersonal skills that helped turn a potentially bad situation into a successful one.

Ryan's Answer #1
"Having worked in customer service for one of the areas largest auto dealership for the last six years, handling difficult customers was a situation I had to learn to handle pretty quickly. Just a few weeks ago, I was covering our front desk on a Saturday afternoon when our sales staff was still open for business. I recognized the person approaching the door as a customer that had recently purchased a new vehicle. He stormed through the door, placed his keys on the counter in front of me and said that he demanded a refund on his new purchase because the check engine light had already come on inside of the car. Knowing off the top of my head that his new vehicle was under a full warranty, I calmly let him know that his car was under warranty and that I'd have a member of our sales staff come out and take a quick look. I also let him know that our service department was not working that afternoon and, if needed, we could schedule him for a diagnostic test at his earliest convenience. After our salesman went out to take a quick look and not seeing anything obvious, we ended up giving him a loaner vehicle so his new car could be taken care of on Monday morning. He ended up leaving pretty happy that day and I know that my patience in hearing him out really helped."
Ryan's Answer #2
"A couple of years ago, I was asked to work with a very high profile client for his financial advising services when he came to our firm because my CEO trusted I could handle what he felt would be a difficult task. From my first meeting with the client, he demanded that we provide more returns than the previous firm that he worked with and he was rather rude with our front desk staff. I took the approach of taking the time to listen to his needs and speak to him more about what my firm could provide. I laid out my experience and track record for him to help him build his trust in me. I knew that with him, I would need to take time to walk through my decision making processes for his investments and he really appreciated that. As of today, we are still working strong together and his wealth is growing."
13.
Tell me about the largest financial portfolio you have been responsible for.
Chances are you have gained a lot of momentum through your financial services career; likely being responsible for a larger portfolio every year. Assure the interviewer that you can handle the level of responsibility they are expecting to hand over to you.

Ryan's Answer #1
"My responsibilities have always increased over time and in my last position I was responsible for a portfolio of $$$. Can you share with me the size of portfolio that I would be working with here at TD Securities?"
Ryan's Answer #2
"I am newer to my financial services career and have worked very hard to develop a strong portfolio this past year. Currently my portfolio is worth $$. What size of portfolio would I be responsible for at TD Securities?"
14.
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 #1
"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 #2
"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."
15.
How long will it take you to make a meaningful contribution to our team at TD Securities?
If you were to be the successful candidate with TD Securities, when do you expect to make a viable contribution to the organization? Talk to the interviewer about your plan to make a fast impact.

Ryan's Answer #1
"I am interested in making an impact on your organization right away and have already crafted a plan to make that happen. I am a very strong business development professional and I plan to take the territory and expand it to include additional rural areas. This should amount to a strong increase in revenue within the first 9 months of my on boarding."
Ryan's Answer #2
"My plan, if hired by TD Securities, is to make an impact as soon as possible. I have researched this position and am very eager so I have created a 90 day impact plan that I would like to share with you."
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