Virtual Annuity Advisor

Under limited supervision, uses specialized knowledge and skills obtained through experience, specialized training or certification to provide all levels of financial services in a team environment to associates or clients of the company by combining the traditional roles of the Financial Advisor, Service Associate and Branch Manager. Fosters and assists in the development of relationships with new clients in a call center environment. Assists associates or clients over the phone on a non-advisory basis by executing unsolicited orders and offering guidance in relation to other associated sales practice activities and requirements. Guidance is provided to perform varied work that is somewhat difficult in character requiring some evaluation, originality and ingenuity to make moderately complex decisions. Essential Duties and Responsibilities: u2022 Works in cohesion with other Virtual Financial Advisors to oversee over $2 billion in client assets to ensure proper fiduciary processes and procedures are integrated and aligned with business practices to mitigate risk to the business. u2022 Provides escalated support and guidance in dealing with client portfolios and various customer queries. u2022 Informs appropriate management about issues with client accounts that may involve or expose the business to potential liability. u2022 Assists management to implement adequate controls and quality assurance processes to address potential liability. u2022 Keeps abreast and maintains working knowledge of current Capital market news and how that can impact our client accounts. u2022 Researches, interprets and translates investments within portfolios and educates clients based on proper asset allocation and modern portfolio theory. u2022 Addresses sensitive client issues surrounding AML or other Supervisory alerts generated by the firm. u2022 Understanding complex business models and constantly evolving practices. u2022 Assists clients, branches, advisors and back office operations with general questions on all aspects of our business and intertwined departments. u2022 Assists in sales practices, oversight of the account opening process, the execution of client unsolicited orders and offering guidance/supervision in relation to other associated sales practice activities and requirements. u2022 Manages, reviews, and approves all clientsu2019 activity. Educates and guides our clients regarding services and products offered. u2022 Establishes and manages client brokerage accounts while maintaining complete client information in accordance with internal and external regulations. u2022 Contact clients to review portfolios, complete Investment Policy Questionnaire and provide information on investments and make suitable recommendations. u2022 Work to acquire additional assets that the client may have held away from the firm. u2022 Places various trades including large volume trades while performing due diligence and mitigating risk to the business. u2022 Ensures firm and regulatory policies are followed within compliance standards. u2022 Performs other duties and responsibilities as assigned. Qualifications - External Knowledge, Skills, and Abilities: Advanced Knowledge of: u2022 Concepts, practices and procedures of securities and banking industry. u2022 Post issue product details spanning various annuity products. u2022 Understand all aspects of variable annuity products. u2022 Principles of banking and finance and securities industry operations. u2022 Financial markets and products including annuities, UITu2019s, structured products, alternative investments, mutual funds, stocks and options. Skill in: u2022 Organizational and time management skills sufficient to prioritize workload, handle multiple tasks and meet deadlines. u2022 Detail orientation to ensure quality standards are met without impairing workflow. u2022 Follow-up to ensure resolution and completion of tasks. u2022 Integrating and aligning fiduciary duties and procedures with business processes. u2022 Coordinating large volumes of complex branch activities. u2022 Reviewing trades and disbursements that may expose the firm to potential liability. u2022 Research all forms of client queries that relate to various types of brokerage accounts. u2022 Gather information and prepare oral and written reports to clients. u2022 Preparing and delivers written and oral presentations. u2022 Investigating relevant irregularities. u2022 Identifies gaps in client portfolios based on clientu2019s objective and goals using modern portfolio theory. u2022 Effectively and concise communication with clients. u2022 Operating standard office equipment and using required software applications to perform research and produce e-mails, memos, spreadsheets and reports. u2022 Identifying the needs of customers through effective questioning and listening techniques. Ability to: u2022 Use effective oral and written communication skills sufficient enough to interact effectively and guide clients, financial advisors, and back office staff on various operational issues. u2022 Execute instructions and request clarification when necessary. u2022 Partner with other functional areas to accomplish objectives. u2022 Provide a high level of customer service in a calm, courteous and professional manner. u2022 Facilitate meetings, ensuring that all viewpoints, ideas and problems are addressed. u2022 Attend to detail while maintaining a big picture orientation. u2022 Gather information and convey appropriate solutions to client queries or needs. u2022 Supervise and monitor suitability, concentration and investor profile alerts under the Supervisory Alert System (SAS) program. u2022 Analyze daily activity reports for sales practice, suitability and performance issues. u2022 Use independent judgment on a wide variety of monetary issues with potentially large liabilities to the firm. u2022 Work under pressure on multiple tasks concurrently and meet deadlines in a fast-paced work environment with frequent interruptions and changing priorities. u2022 Maintain confidentiality. u2022 Work independently as well as collaboratively within a team environment. u2022 Establish and maintain effective working relationships at all levels of the organization. u2022 Review a clientu2019s financial profile and determine if the product they are purchasing is appropriate for their risk tolerance, income needs and goals. u2022 Perform review of annuity application and requirements. Educational/Previous Experience Requirements u2022 Bacheloru2019s Degree (B.A. / B.S.) in a related discipline and a minimum of four (4) years of experience in the financial services industry. u2022 OR ~ u2022 Any equivalent combination of experience, education, and/or training approved by Human Resources. Licenses/Certifications u2022 SIE required provided that an exemption or grandfathering cannot be applied. u2022 FINRA Series 7 required. u2022 FINRA Series 66 or 63 and 65 required. u2022 Life & Variable Annuity Insurance License required.

Created: 2025-11-06