At Raymond James, we develop, we collaborate, we decide, we deliver, and we improve together.
Raymond James Ltd. is Canada’s leading independent investment dealers offering high quality investment products and services to Canadians seeking customized solutions to their wealth management needs.
Registered Plans Associate
(RRIFs)
How does the role impact the organization?
This role is critical to the administration and oversight of Registered Retirement Income Funds (RRIFs), supporting clients in the retirement income phase. The associate ensures accurate and timely processing of RRIF withdrawals, minimum payment requirements, and lifecycle events such as account conversions and estate settlements. The role contributes to regulatory compliance, operational efficiency, and a high-quality client experience by partnering with advisors, internal teams, and external stakeholders.
What will your role be responsible for?
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Administer RRIF accounts with a focus on withdrawals, minimum annual payment calculations, payment scheduling, and tax withholding requirements
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Process and maintain RRSP-to-RRIF conversions, spousal RRIF setups, and related account changes
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Ensure compliance with CRA regulations, including minimum withdrawal rules, excess withdrawals
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Providing support individually or in conjunction with other team members in investigating and resolving advisor queries within SLA deadlines.
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Partner with Tax, Estates, Transfers, and New Accounts teams to resolve complex RRIF cases
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Support year-end processing, including minimum withdrawal reviews and reconciliations
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Participate in audits, regulatory reviews, and procedural updates related to RRIF processing
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Identify opportunities to improve processes, reduce risk, and enhance service delivery
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Other duties as assigned.
What can you expect from us?
Our most important investment is in people. Upon eligibility, Raymond James Ltd offers flexible workstyles, a competitive compensation and benefits package. Our benefits range from Health Benefits, RRSP Matching Program, Employee Stock Purchase Plan, Paid Time Off, Volunteer Days, Discretionary Bonuses, Tuition Reimbursement and many more! We also support internal promotion and community involvement.
What do we expect from you?
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Fundamental knowledge of investment concepts, practices, and procedures used in the securities industry.
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Proficient in Microsoft Office with a willingness and ability to learn new applications.
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Excellent Customer service, organization, and prioritization skills
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The ability to work within deadlines in a high-volume and demanding environment while maintaining a high level of service and an imperative attention to detail.
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Demonstrate email, videoconferencing, and telephone etiquette and relationship management skills.
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Work independently as well as collaboratively within a team environment.
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Demonstrate a professional manner to establish and maintain effective working relationships at all levels of the organization.
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Exercise tact and discretion in the handling of confidential information; and
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Experience with Dataphile is an asset.
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Communicate proficiently in French is an asset.
Educational/Previous Experience Requirements
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Minimum of 3 years’ experience within registered plans or financial services operation
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Strong understanding of RRIF-specific rules, including minimum withdrawals, spousal elections, tax implications,
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Demonstrated experience managing high-volume transactional workflows, including withdrawals, conversions, and transfers with a focus on accuracy and turnaround times
Licenses/Certifications
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Successful completion of the Canadian Securities Course is an asset.
Salary Range: $60,000 - 64,000 annually, in addition to competitive performance bonuses/incentives.
Actual compensation will be determined based on skills, experience, internal equity, and other job requirements.
This posting is for potential future hiring needs and does not represent a current vacancy.
At Raymond James – we honor, value, respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic self, our organization, clients and communities thrive, it is part of our people-first culture. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
Here at Raymond James we demonstrate our commitment to ensuring equal opportunities for all candidates. To request accommodations, candidates are instructed to contact Human Resources via email at [email protected]. By reaching out to this email address, candidates can communicate their specific requirements and discuss the necessary accommodations they may need to participate fully in the recruitment process.
We may use automated or AI-enabled tools to support parts of our recruitment and screening process, including screening, assessing or selecting applicants where applicable. These tools help us review applications efficiently, but they do not replace human decision-making.
