HR phone interview is first discussing the basics such as your availability, education, necessity to have or complete CSC or IFIC (investment industry certifications in Canada), reason/s why you want to leave your current position. Next, the in-person interview takes place in the branch with the Branch Manager and sometimes an Assistant Branch Manager also present. The questions are generally not very difficult at all. They mainly ask about you, your career goals, your current position, why you would be a good fit for the job, etc... Be ready for other "behavioural" type questions asking questions phrased like this: "tell me about a time when you...." where you have to discuss some sort of relevant skill you have portrayed/developed in a past job. I find coming up with specific examples on the spot very difficult sometimes, especially under the pressure of an interview. I would suggest researching common behavioural interview questions and having an idea of how you will respond to some of the most commonly asked ones. Sometimes they will extend an offer after the interview is over, but I don't think it is uncommon for them to get back to you after a week or so either.