Affluent Market Financial Advisor

Overview

Serves as an advisor to provide an advice‑based approach to financial solutions for an assigned book of business. Actively solicits new and existing investments and insurance solutions from the mass affluent customer segment, primarily Retail and Business Banking. Works with Investment Advisors, Fiduciary Advisors, Community partners, Wealth/WISD and Mortgage to deliver advice‑based solutions and alternative investment and insurance solutions catered to the individualized needs of each customer and with the client’s best interest in mind.

• Based on individualized needs analysis, prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios to meet their needs and with their best interests in mind; offer an array of products and services best suited to meet those needs and sell and close these independently.
• Deliver a diversified set of brokerage, investment and insurance and advice‑based solutions with a mindset to meet the individualized investment needs of current and potential Bank customers for the mass affluent segment, utilizing experts in carriers, wholesalers in insurance and managed accounts, as necessary.
• Utilize COIs (Centers of Influence) to offer a diversified set of solutions and full scope of investment products and services to meet the best interest of clients and within regulatory requirements.
• Increase assets under management by offering investment and insurance solutions to clients and leveraging partnerships in Retail, Business Banking and Wealth to increase referrals.
• Provide services by advising the customer on the advantages and disadvantages of different product decisions in alignment with their individual needs.
• Coach and mentor less experienced Financial Advisors, Licensed Bankers and Business Banking staff to ensure quality investment and insurance referrals.
• Meet or exceed established sales goals for assigned market while meeting individual client needs and complying with pertinent policies and regulations.
• Maintain customer appointment activity log on a weekly basis to substantiate advisory and referral activity; follow‑up on activity levels of all products to meet or exceed expectations.
• Maintain and build referral channel and develop strong partnerships with Retail branch, Business Banking and Wealth partners to ensure investment needs of current and potential customers in assigned market and/or branches are met or exceeded.
• Work with Retail, Business Banking, Community Bank and Wealth through ongoing account reviews and re‑evaluation of customer needs.
• Deliver a high‑quality customer service experience during each customer interaction through a complete understanding of sales process, policies and licensing requirements to contribute to the attraction, retention and expansion of client relationships.
• Ensure accuracy in completing required paperwork to comply with standard procedures, regulatory requirements and firm policies.
• Serve as a primary PIC (Supervisor/Person‑in‑Charge) to lead and manage customer relationships to bring the full spectrum of investment and insurance solutions to each client based on their individualized needs.
• Regularly review customer information to ensure compliance with BSA (Bank Secrecy Act), AML (Anti‑Money Laundering) and KYC (Know Your Customer) requirements; address issues of non‑compliance by requesting additional information from the client and updating the remediation tool in the appropriate system.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s risk appetite. Identify risk‑related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Wilmington Advisors @ M&T is a brand name used by LPL representatives to offer securities, advisory and insurance services and is not a…