TD reviews

-Many senior executives don't have vision for the company and they tend to promote their friends and hire their relatives. -Promotions are not based on qualifications and performances. If you are not friends with someone in the hiring seat, you are unlikely to get a role regardless of how good your qualifications and performance history are. -Massive layoffs 2 years ago and now smaller scale of staff cut is underway quietly. Meanwhile quarterly profits are record-breaking high. -A lot of politics going on, expected from most large corporations. -Lack of transparency and communication. Employees find out news about the company from the newspapers first. -Some colleagues are good and others may be rude. It depends on your luck and where you work. -It is very difficult to move around different departments to get learning opportunities and career advancement.

Unrealistic goals, they want to apply the "bank model" to an insurance company, which obviously does not work out well. There is an obsession about CEI, which is the customer experience index model, that the bank forced them to apply. Even though advisors dont have a say in quote prices or underwriting rules, if clients are not happy about the price or being declined/cancelled they will hold this agaist you and it will ultimately affect your individual performance, which is ridiculous. Underwriting rules are very strict, however they still expect you to achieve extremelly high sales/cross sales goals. There is little room for advancement within the insurance division, your only option is going to the bank and they will probably try to hold you back.