All jobs within 300 km around La Haute-Saint-Charles in Financial Services

Reporting to the Regional Manager, as a Financial Planner, you will assist MD clients and their families in achieving their personal financial goals. Working as a partner with MD’s Specialist Advisors, you will leverage your years of experience and strong client focus to prepare comprehensive financial plans and specific investment strategies for clients. You will identify and develop new opportunities to prospect and grow the client base, while ensuring retention of clients through strong relationship building and the development of comprehensive financial plans. 

Duties & Responsibilities:

• As part of a broader network of MD financial experts you will facilitate a team approach by actively referring clients to MD Private Investment Counsel (discretionary management), MD Private Trust (estate and executor services), MD Insurance and MD Banking Products (Scotiabank).  You will also work to ensure client needs are pro-actively addressed in alignment with their current financial situation and life stage as well as their future aspirations. 
• When not meeting with clients or identifying new clients, you will further your knowledge of advanced financial planning concepts including income tax, investment trends and products, and any other issues having an impact on MD clients. Your thorough understanding of compliance with all industry regulations will ensure accurate administration of all client transactions and compliance requirements, thus minimizing risk and expense to the company.
• As a Financial Planner, you will participate in facilitating seminars and information meetings throughout the region, as well as implementing marketing strategies to provide advice and information concerning investment programs and related services.
• Flexibility to travel, as required, is expected.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. 
• Champions a high performance environment and contributes to an inclusive work environment. 

Education & Experience:

• Minimum of 5 years’ experience providing financial advice within the financial services industry coupled with a University degree in business, commerce or financial planning and hold the Certified Financial Planner (CFP) designation.  (For Quebec PL Fin is mandatory)
• IIROC licensed as a Registered Representative (IIROC-RR) including completion of the Canadian Securities Course (CSC), the Conduct and Practices Handbook (CPH) and 90 day training
• Life License (LLQP) and a willingness to complete other regulatory requirements. Completion of the Group Annuity Sector (PQPAV) (Quebec offices only)
• Wealth Management Essentials (post-licensing requirement)

Competency Requirements: 

• You are inspired by doing the best for your clients and by providing tailored and timely advice.
• You use your exceptional interpersonal skills to build rapport with and influence your clients and understand the critical importance of client trust.
• You have the ability to quickly and clearly understand the client’s perspective which in turn directly influences your choice of strategies and products and how you present them to clients.
• You are an outstanding communicator. You actively listen and tailor your response accordingly based on your client’s level of understanding and interest.
• You are a rapid responder – what’s urgent for your client is also urgent for you. You make ‘getting things done’ a priority.
• You take great pride in your personal development and enjoy learning new tools and techniques
• You embrace change and thrive in an ever-changing environment.
• You enjoy the collaborative process and look forward to partnering with other team members to best service your client.
• You have a breadth and depth of core financial products and a high-level of comfort and confidence in presenting this information to clients.

As an Investment Specialist, you will focus on developing and deepening client relationships by providing high quality advice and service within the mass affluent market. As a dedicated entrepreneur, you understand that growing a practice is all about building long-term relationships.  You know how to leverage your external networks and centres of influence and welcome the freedom to grow your own practice. Most importantly, you realize that your clients are your greatest asset, and your priority is providing investment and financial planning advice to help them meet their unique goals.

You also excel at building new relationships and enjoy the flexibility of being able to meet clients outside of the office, on a schedule that best suits you and your clients. Finally, you recognize the value of working within a collective Scotiabank framework that benefits both your clients and your practice overall.

Following a comprehensive financial planning framework, you will be responsible for driving investment sales and new client acquisition, while adhering to Global Sales Principles, compliance and regulatory requirements as well as establishing business development opportunities with prospects and clients within the assigned market area.

Is this role right for you? In this role, you will:

Promote the development and sustainable growth of proprietary investment business in the assigned market area by:

• Business Development: Executing on business development plans for prospects and existing clients within the mass affluent market. Identifying additional investment business development opportunities and facilitating the implementation of an investment solution and/or referral to the appropriate partners.
• Client-Centric: Providing client-centric investment solutions through a financial planning framework, aligning with Global Sales Principles. Conducting outbound communications and proactive calling to prospects to remain top-of-mind for future business opportunities. Conducting complimentary needs analysis across several financial statements, including competitor statements.
• Community Involvement: Participating actively in local professional and community events and associations to develop and expand your network. Identifying opportunities to deliver community information sessions and financial seminars to grow prospects. Building and maintaining a market profile in the assigned market area. Networking with investment industry specialists while managing a small budget for independent marketing-based activities.

Do you have the skills that will enable you to succeed in this role? We’d love to work with you if you have:

• 3 years of experience in financial planning and investment sales.
• You’re a mutual funds certified professional. You have current accreditation and good standing for MFDA licensing requirements (Investments Funds in Canada or Canadian Securities Course).
• You are actively working towards a Financial Planning designation. You have completed the education requirements towards a Personal Financial Planning (PFP®) designation and/or a Certified Financial Planner (CFP®) designation or  Institut québécois de planification financière (IQPF for Quebec residents) designation.
• Proven networking, client acquisition and interpersonal skills; experience building and maintaining Centres of Influence (COIs)
• You’re goal oriented and entrepreneurial. You can work independently as a self-motivated entrepreneur with minimal supervision and as part of a larger team.
• Extensive knowledge of competitive offerings, market trends, economic conditions, and the regulatory environment.
• A valid driver's license and access to a vehicle, to meet clients and prospects within the designated district.

 What’s in it for you?

• An entrepreneurial culture with the freedom to develop your career.
• A fast-paced, flexible work environment where you can set your own hours and meet clients when and where it’s convenient for them.
• A compensation structure that rewards growing and maintaining your client base.
• Access to leading-edge resources to support your growth including dedicated marketing support, powerful mobile technology, leading CRM, portfolio, and financial planning software.
• The ability to build long-lasting client relationships through exceptional advice and service.
• Ability to provide an excellent client experience without going to the branch.
• A partnership with our branches and access to Scotia Global Asset Management to deliver an exceptional client experience.
• A work culture that promotes diversity, respect, and inclusion.

Other Information

Please note that the compensation structure for this role is base plus variable pay. This is a mobile role and will require frequent travel. 

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

As an Investment Specialist, you will focus on developing and deepening client relationships by providing high quality advice and service within the mass affluent Downtown Montreal market. As a dedicated entrepreneur, you understand that growing a practice is all about building long-term relationships.  You know how to leverage your external networks and centers of influence and welcome the freedom to grow your own practice. Most importantly, you realize that your clients are your greatest asset, and your priority is providing investment and financial planning advice to help them meet their unique goals.

You also excel at building new relationships and enjoy the flexibility of being able to meet clients outside of the office, on a schedule that best suits you and your clients. Finally, you recognize the value of working within a collective Scotiabank framework that benefits both your clients and your practice overall.

Following a comprehensive financial planning framework, you will be responsible for driving investment sales and new client acquisition, while adhering to Global Sales Principles, compliance and regulatory requirements as well as establishing business development opportunities with prospects and clients within the assigned market area.

Is this role right for you? In this role, you will:

Promote the development and sustainable growth of proprietary investment business in the assigned market area by:

• Business Development: Executing on business development plans for prospects and existing clients within the mass affluent market. Identifying additional investment business development opportunities and facilitating the implementation of an investment solution and/or referral to the appropriate partners.
• Client-Centric: Providing client-centric investment solutions through a financial planning framework, aligning with Global Sales Principles. Conducting outbound communications and proactive calling to prospects to remain top-of-mind for future business opportunities. Conducting complimentary needs analysis across several financial statements, including competitor statements.
• Community Involvement: Participating actively in local professional and community events and associations to develop and expand your network. Identifying opportunities to deliver community information sessions and financial seminars to grow prospects. Building and maintaining a market profile in the assigned market area. Networking with investment industry specialists while managing a small budget for independent marketing-based activities.

Do you have the skills that will enable you to succeed in this role? We’d love to work with you if you have:

• 3 years of experience in financial planning and investment sales.
• You’re a mutual funds certified professional. You have current accreditation and good standing for MFDA licensing requirements (Investments Funds in Canada or Canadian Securities Course).
• You are actively working towards a Financial Planning designation. You have completed the education requirements towards a Personal Financial Planning (PFP®) designation and/or a Certified Financial Planner (CFP®) designation or  Institut québécois de planification financière (IQPF for Quebec residents) designation.
• Proven networking, client acquisition and interpersonal skills; experience building and maintaining Centres of Influence (COIs)
• You’re goal oriented and entrepreneurial. You can work independently as a self-motivated entrepreneur with minimal supervision and as part of a larger team.
• Extensive knowledge of competitive offerings, market trends, economic conditions, and the regulatory environment.
• A valid driver's license and access to a vehicle, to meet clients and prospects within the designated district.
• You are bilingual, French and English, pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English because they will serve and English-speaking clientele

 What’s in it for you?

• An entrepreneurial culture with the freedom to develop your career.
• A fast-paced, flexible work environment where you can set your own hours and meet clients when and where it’s convenient for them.
• A compensation structure that rewards growing and maintaining your client base.
• Access to leading-edge resources to support your growth including dedicated marketing support, powerful mobile technology, leading CRM, portfolio, and financial planning software.
• The ability to build long-lasting client relationships through exceptional advice and service.
• Ability to provide an excellent client experience without going to the branch.
• A partnership with our branches and access to Scotia Global Asset Management to deliver an exceptional client experience.
• A work culture that promotes diversity, respect, and inclusion.

Other Information

Please note that the compensation structure for this role is base plus variable pay. This is a mobile role and will require frequent travel.

The Senior Financial Analyst (FA III) provides complex transactional support for a process within a full accounting cycle and is involved in full accounting cycle for a client contract (s) or business unit(s).  At this level, the incumbent typically supports multiple portfolios and complex transactions.

KEY DUTIES & RESPONSIBILITIES

Month End Close

• Review project revenue/gross margins & unbilled backlog analysis with the finance/operational leaders for month end review.
• Prepare the revenue recognition entries (using percentage of completion revenue recognition) with supporting
  documents/calculations as required.
• Conduct project financial close out and reconciliation.
• Record journal entries, and maintain and reconcile general ledger to the job cost and other sub ledgers.
• Answering internal and external financial inquiries as it relates to the specific client account.
• Perform timely month end close and ensure recording all pertinent transactions including project /labour / various monthly accruals.
• Ensure / investigate Accounts Receivable collection, and explanation for overdue balances.
• Prepare monthly reports for specific client accounts.

Financial Planning & Analysis Support

• Conduct detailed profitability analysis of variances between planned, forecasted, and actual figures
• Assistance in conducting accurate and complete forecasting of revenue and margins by project
• Provide support for process improvement initiatives
• Provide support for job costing and pricing
• Prepare other ad hoc reports for management as required
• Understand GAAP requirements, particularly around revenue recognition
• Understand basic interactions between financial systems related to the portfolio supported

KNOWLEDGE & SKILLS REQUIRED

• 3-6 years of progressive experience in public accounting or industry roles
• University graduation or professional certification (e.g. P. Eng, CMA, CGA or equivalent courses)
• Ability to communicate basic accounting principles to support procedures and to explain financial results within the team and to internal customers.
• Ability to complete and resolve assigned complex account reconciliation which sees the highest transaction volume or deal with multiple portfolios or business units.
• Ability to reconcile and resolve discrepancies between general ledger and sub ledger.
• Ability to identify and provide recommendations for issues and process improvement opportunities at account and business unit level following GAAP procedures.
• In-depth understanding of audit requirements within scope of responsibility.
• Ability to provide input to process documentations and business cases; write variance explanations, summaries of findings and recommendations.
• Advanced level knowledge of current accounting systems and MS Office suite of software
• Understanding of more complex accounting issues like revenue recognition (% completion/project accounting)
• Excellent analytical abilities, including advanced Excel skills to assist with financial modeling (pivot tables, vlookup, etc.)
• Ability to operate in high growth environments with an view of implementing more standard processes and best practices
• Strong process improvement and/or implementation experience
• Detail oriented, self-starter with strong interpersonal, and communication skills
• Proactive and good problem solving skills

• Completed an Accounting designation program (CGA, CMA, CPA)

As a member of the Personal and Business Banking team, you’ll work in a fast-paced Banking Centre where you’ll make a meaningful difference in our clients’ lives. As a Financial Services Representative, you’ll foster key relationships with clients, understand their financial and personal goals, provide informative and tailored service, and recommend the right products and solutions that will help their financial success. You’re flexible to work our banking centre hours which may include evenings and weekends. To help deliver a great client experience, you’re flexible to work at multiple banking centres within a reasonable travel distance. 

At CIBC we enable the work environment most optimal for you to thrive in your role. To successfully perform the work, you’ll be on-site full-time.  

How you'll succeed

• Client engagement - Meet with clients to understand their personal and business priorities, advise them on solutions, and provide a forward-looking financial plan. Use your knowledge of cash management, credit, investment and wealth protection to help clients meet their goals.
• Relationship building - Engage in marketing and outreach activities to show clients you value them and their communities. Grow your network, deepen existing relationships, and work as one team to ensure clients are connected to the right people and opportunities.
• Leveraging technology - Become a technology expert. Share your knowledge by introducing clients to our mobile banking applications, helping them to better manage their banking needs.

Who you are

• You put our clients first. You engage with purpose to find the right solutions. You go the extra mile, because it’s the right thing to do.
• You’re goal oriented. You’re motivated by accomplishing your goals and delivering your best to make a difference.
• You know that details matter. You notice things that others don't. Your critical thinking skills help to inform your decision making.
• You’re passionate about people. You find meaning in relationships, and surround yourself with a diverse network of partners. You build trust through respect and authenticity.
• You love to learn. You’re passionate about growing your knowledge, and you know that there is no limit to what you can achieve.
• You’re a certified professional. You have current accreditation and good standing Mutual Funds License (Canadian Securities Course or Investment Funds In Canada).
• You can demonstrate 1 year experience in working with clients and achieving sales results. It’s an asset if you have prior banking experience in a similar capacity.
• Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

• We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.

• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

• We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

*Subject to plan and program terms and conditions

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com

• You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.

• We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Job Location

Montreal-1155 Rene Levesque

Employment Type

Regular

Weekly Hours

37.5

Skills

Client Service, Customer Experience (CX), Digital Literacy, Financial Products, Goal Planning, Group Problem Solving, Outbound Calls, Regulatory Requirements, Results-Oriented

End Date: October 22, 2024 (13 days left to apply)

The Accountant is part of the North American accounting group and will focus on month-end close and account reconciliations. We're in need of a versatile Accountant who, in compliance with SOX and other audit requirements, wants to play a key role in financial reporting and analysis, a timely close process, and maintaining a strong internal control environment. If you're a passionate Accountant that wants to help a growing company find unique and faster ways of managing our accounting functions, while performing additional projects in technical and tax accounting, we want to talk to you.

This position is open to candidates who have their residence in the following countries: Canada

This role will require you to come into the office 1 day a week.

Key Responsibilities

• Prepare journal entries and account reconciliations, ensuring proper documentation is maintained (in compliance with SOX requirements), as well as monitoring and resolving reconciling items on a timely basis
• Resolve accounting discrepancies and identify and investigate irregularities
• Ensure all reports utilized in accounting functions are complete and accurate
• Prepare financial variance analysis reports; ensure accurate and timely reporting of monthly, quarterly and year-end close, for both individual entities and on a consolidated basis
• Perform accounting research and interpretation of SEC guidance as necessary to maintain GAAP financial statements
• Interact with internal and external auditors in completing and coordinating audits
• Compile a wide variety of financial information for the purpose of providing required documentation and/or processing information for both internal and external audits

Requirements

• Degree in Accounting, with 2-4 years of relevant experience
• Strong knowledge of Generally Accepted Accounting Principles (US GAAP preferred)
• Experience performing month end close, account reconciliations and financial analysis
• Experience with international tax filing preferred
• Strong written and verbal communication skills in English
• Strong work ethic and positive mindset
• Ability to work in a global context, with business users in different locations world-wide.

#LI-MJ1

#LI-Hybrid

Purpose of Job:

As a member of the Operations and Corporate Services team supporting Reconciliation, and working in close partnership with the Domestic Branches, internal partners and various external vendors, the Accounting Officer (AO) provides specialized reconciliation services in a customer focused centralized Centre of Expertise environment.   The AO is responsible reconciling, balancing, investigating exceptions and processing adjustments to customer accounts and the Bank’s GL asset and liability accounts in accordance with approved procedures.  The AO also provides day to day operational assistance and guidance to team members as it relates to reconciliation activities.  

Is this role right for you? In this role you will:

• Delivers an Exceptional Customer Experience  by providing the best-in-class customer service  through the  timely and accurate handling of all inbound inquiries received via multiple channels (e.g.: fax  incoming mail, fax or other electronic methods)  within established Service Level Agreements and Service quality standards. This includes providing training to team members to ensure seamless service delivery.
• Ensures that the daily work volumes within the assigned reconciliation area are organized and distributed amongst the team resources and that service and quality levels are maintained. This involves daily verification and approval of team member processing where required as well as recommending and assisting with reallocation of resources in areas requiring additional support due to unplanned activities (volumes etc.).
• Ensures and reports on trending  or risk related issues within the transits serviced and initiates and contributes recommendations to address root cause with a view to driving increased efficiency balanced with reduced operational risk within the team.
• Ensures the accurate and timely completion of daily customer exception reporting through investigation, validation and correction processing.  Escalating unusual items in a timely manner based on exception type to the Manager/Assistant Manager, with appropriate recommendations where required.
• Balances and reconciles on behalf of domestic branches, multiple business and product owners, and third party vendors (e.g.: ABM service providers, Symcor) all related suspense accounts, monthly balancing and financial returns including taking appropriate action for corrections or adjustments.
• Validates, maintains and reports where required on daily, monthly, quarterly, annual and periodic basis, activities related to GL balances, ABM Centralized deposit/Investigation and AFT.  Updates Customer Information System based on information received from customers, branches, business partners, and other units across Canada while maintaining the confidentiality of customer information at all times.
• As the subject matter expert (SME) in Reconciliation, actively participates in consultations with partners for technology enhancements and takes initiative in identifying process enhancements that drive increased efficiencies within the unit.
• Participates in meeting the Bank’s regulatory and financial reporting requirements
• Follows all Bank policies and procedures and codes of conduct. Ensuring knowledge of day-to-day operations within the unit on matters of Compliance, Anti-Money Laundering Compliance, and Privacy matters, and escalation of such; Understanding the Business Continuity Plan and contributing to its effective execution

Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:

• Thorough knowledge of Branch processing is considered an asset (FFT, ABM balancing, Investment Platform, Investigations, IRIS, corrections, Support package) 
• Thorough knowledge of all reconciliation activities that are supported within the department. 
• Demonstrated ability to learn multiple complex applications or good knowledge of RPM, FundServ, CGI, is considered an asset.
• Thorough knowledge of operating procedures as it relates to financial returns and reporting
• Excellent knowledge of MS Office including spreadsheet management.
• Ability to deal effectively with Branch/customer complaints, referring to a Manager/Supervisor where necessary, to ensure resolution is obtained to the complete satisfaction of all parties involved, the Customer, the Bank, and Reconciliation department.
• Demonstrated flexibility in a constantly changing environment (procedural and automated), being versatile and able to provide cover on several posts at different times and at different levels on any given day concurrently, as determined by planned and unplanned absences. .
• Excellent communication skills (written and verbal) to communicate during the investigation and reconciliation processes with multiple partners across the Bank and with OFI and external partners and to provide on the spot coaching to team members.
• Good time management skills to effectively manage workload which is subject to unplanned spikes in volumes

Some more information you might want to know.

• Standard office environment.  While work type is predictable, often an unpredictable fluctuation in transaction volumes, exception items and financial reporting activity (month, quarter and year end activities) can cause considerable disruption with respect to timing as well as accuracy/reliability. Systems changes and implementation of new products create by nature, increased attention to new procedures and lower productivity that must be accounted for and resolved

This position is only open to residents of Canada who have legal work authorization.

The right candidate has the following soft skills:

• Great communication skills

• Great attention to detail and high accuracy

• Strong organizational and planning skills

• Good team player and able to work autonomously

• Ability to meet deadlines and work in a fast-paced environment

Requirements:

• College Degree in Accounting or equivalent experience

• 1+ year of experience in Accounts Payable

• Knowledge of the full accounting cycle

• Fluent in English, Bilingualism (French) is an asset (speaking and writing)

• Experience in the Apparel & Fashion industry is an asset

The responsibilities will include:

• Managing all accounts payable functions

• Issuing Letters of Credit

• Providing supporting documentation for audits

Preparing:

• banking electronic (wire) transfers and payments

• monthly bank reconciliations

• monthly credit card reports

• monthly GST/QST

• monthly intercompany transfers and invoices