Pros
As a continued practice carried over from Commerce Bank, CSRs are expected to be knowledgeable in a variety of subjects, including business products, loans and mortgages, and they are now expanding to include investment and insurance products. You will have to be a jack of all trades.
Cons
The pay is ridiculously low as compared to counterparts at other financial institutions (again, a carryover from Commerce). However, the corporate culture of TD is not one that focuses on having fun and entertaining and engaging our Customers. It's more of a rigid, stereotypical banking culture. Promotions are nonexistent. The CASH Program, designed by Commerce to facilitate the education and training of employees chosen for advancement, is in shambles. Regional management fails to address work-related issues presented to them by employees. HR practices discrimination in enforcing company policies, failing to dismiss certain employees due to gender and race even with documented causes from Supervisors and Management; HR prefers to move those Supervisors and Management to other locations in order to silence those who they view as troublemakers.