Head of Department

• Define and advance the innovation strategy for TD’s U.S. consumer deposits portfolio
• Lead identification, validation, and delivery of new deposit products, features, and enhancements
• Drive customer value, deposit growth, and competitive differentiation
• Hire talent, set goals, develop staff, manage performance and compensation decisions, promote teamwork, and handle disciplinary actions
• Provide strategic leadership across the U.S. consumer deposit innovation portfolio
• Guide priorities from customer discovery through business case approval and delivery
• Own the U.S. deposit innovation roadmap across products, features, channels, and customer segments
• Assess portfolio performance using customer insights, market trends, competitive intelligence, and KPIs
• Influence product design, pricing, features, and value propositions with Product, Distribution, Marketing, Technology, Risk, Compliance, and Legal teams
• Ensure innovation initiatives comply with consumer protection laws, deposit regulations, KYC, AML, and internal risk management policies
• Partner with control functions to identify and mitigate risk
• Support TD’s U.S. Consumer Deposits and Payment Products business and diverse customer segments and distribution channels
• Exercise strategic judgment and decision authority within a 1A Line of Defense

Head of Consumer Deposits Product Innovation

Analyst

• Provide quantitative modelling support to TBSM business-as-usual activities and strategic projects or initiatives
• Support Treasury stress testing, including DFAST, EWST, and MST
• Support Hedging Accounting activities
• Research industry best practices
• Develop quantitative valuation models for measuring and hedging interest rate risk of retail, commercial, and structured finance products in the Banking book
• Work on MDR/AMR/OMR model submissions to meet TD's internal model risk management requirements
• Address model validation, internal and external audit, and regulatory requirements or findings in a timely manner
• Collaborate with Front Office, Investments, Market Risk Measurement and Reporting, Treasury Analytics, and Model Validation and Management teams
• Report to the Senior Manager, Treasury Applied Research within TBSM

Senior Modelling / Forecasting Analyst, Quants

Product Manager

• Serve as Product Owner for the Offer Management Pod, primarily owning Salesforce Loyalty Management capabilities
• Partner across Salesforce Marketing Cloud, Data Cloud, and the broader Salesforce ecosystem to deliver customer engagement, loyalty, and offer management solutions
• Align with Product Owners and senior management on product vision
• Create, maintain, and continuously reprioritize a customer-focused product backlog
• Manage delivery blockers and maximize product and delivery-process value
• Align on delivery roadmaps, Minimum Marketable Features/Minimum Viable Products, and release cadence
• Review performance analytics and champion strategies to enhance customer or end-user experience
• Participate in Scrum or Kanban events, including stand-ups and retrospectives
• Prepare business process partners and establish Day 2 processes for application changes
• Design, oversee, accept, or reject user stories against the Definition of Done and Acceptance Criteria
• Manage delivery initiatives and, depending on complexity, oversee multiple development-team backlogs
• Manage and prioritize defects
• Lead Quarterly Business Review submissions and discussions for the product
• Coordinate risk, quality, and business testing management
• Make product delivery decisions and escalate appropriately
• Communicate product changes and backlog priorities to business, technology, and senior management
• Serve as the development team's point of escalation
• Compile performance metrics and define OKRs with stakeholders
• Monitor regulatory developments and assess impacts on product strategy
• Support team development, coaching, mentoring, knowledge transfer, and Agile process reinforcement
• Build productive relationships with internal and external business partners and stakeholders

Marketing Technology Product Owner – Salesforce Loyalty, Offer Management

Mortgage Loan Officer

• Sell and originate residential mortgage loans to sales goals
• Meet with prospects identified directly or referred by realtors, developers, attorneys, and other referral sources
• Explain mortgage products and services and recommend options based on prospect needs
• Guide customers through the mortgage application process
• Explain required information and loan-process details
• Ensure applications are accurate and include required information and supporting documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage opportunities and other company products
• Develop plans to achieve sales goals with sales-management assistance
• Enter information into the mortgage loan system and maintain accurate pipeline records
• Create supporting files and documentation for underwriting, regulatory, and other purposes
• Send applications and required information to underwriting
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and explain additional information needed
• Submit materials to processing, clear conditions, finalize loan commitments, and prepare for closing
• Communicate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of industry practices, products, mortgage laws, and regulations through training and seminars
• Participate in homebuyer seminars, home shows, broker meetings, and home-financing workshops
• Recommend changes to products, programs, and pricing
• Ensure TD Bank maintains successful audits and examinations
• Handle complex mortgage needs

Manager

• Ensure a development team creates organizational value through customer-focused product increments
• Align with Product Owners and senior management to follow the product vision
• Create and maintain a prioritized product backlog
• Manage delivery blockers and continuously assess customer feedback
• Maximize product and delivery-process value and drive continuous improvement
• Promote Agile principles of transparency, collaboration, and engagement
• Lead or provide expertise to Product Owners, Business System Analysts, Data Analysts, and Specialists
• Define requirements for Enterprise Customer MDM/C360
• Execute implementation of modern, performant, operational, and analytical enterprise MDM
• Partner with lines of business, enterprise functions, Enterprise Data Management Office, and 1B teams
• Identify opportunities to enhance productivity, effectiveness, and operational efficiency
• Communicate changes and help drive decisions for the enterprise customer master platform
• Translate business requirements into Features, Epics, and Stories for team execution
• Document and communicate functional data models
• Develop and execute validation plans, functional testing, and user acceptance validation
• Define operating models and data stewardship for lines of business within MDM

Senior Manager, Tech Delivery / Partner Management

Engineer

• Lead the architecture, design, and implementation of enterprise-scale MDM and Customer 360 solutions
• Define and drive the strategic MDM technology roadmap
• Provide technical leadership and mentorship across complex initiatives
• Design and oversee data integration, data quality, matching, survivorship, and stewardship solutions
• Establish and enforce MDM architecture standards, development best practices, governance frameworks, and engineering patterns
• Partner with Enterprise Architecture, Lines of Business, and technology teams
• Lead implementation of modern APIs, real-time data services, and data consumption patterns
• Drive automation, DevOps, CI/CD, and operational excellence practices
• Identify, assess, and mitigate technical risks while ensuring compliance
• Evaluate emerging technologies and improve MDM capabilities, data quality, operational efficiency, and customer outcomes

Senior MDM Engineer

Risk

• Support the examination lifecycle from initial notification and planning through fieldwork, final reporting, and closeout
• Maintain examination trackers, request inventories, document repositories, meeting schedules, approval records, and status reports
• Coordinate information requests with subject matter experts, confirm ownership and internal deadlines, and follow up on outstanding items
• Review draft responses and supporting evidence for completeness, responsiveness, clarity, consistency, formatting, and approvals
• Organize kickoff meetings, status meetings, walkthroughs, deep dives, and presentation-readiness sessions
• Prepare agendas, capture decisions, and track follow-up items
• Monitor multiple concurrent examinations or audits and identify delivery risks and dependencies
• Escalate missed deadlines, unclear ownership, approval delays, or inconsistent responses
• Partner with Regulatory Program Management, Internal Audit, Legal, business and risk teams, and senior reviewers
• Maintain accurate, auditable records in approved tools and protect confidential, privileged, and sensitive information
• Assist with management reporting, lessons learned, procedure updates, and continuous improvement of exam-management processes and tools
• Support reviews of regulatory developments by compiling information, coordinating subject matter expert input, and documenting potential impacts or escalation items
• Develop and/or implement standards, policies, and processes to identify, report, and mitigate risk exposures
• Analyze potential risks and escalate key risks with findings and action plans
• Provide ongoing operational risk analysis and reporting
• Coordinate or guide operational risk disciplines and programs
• Support enterprise-wide risk escalation, review, approval, data management, policies, and risk assessment processes
• Develop and monitor Key Risk Indicators and facilitate resolution of risk issues
• Conduct research, analysis, presentations, communications, remediation, and continuous process improvements
• Maintain relationships across business lines and oversight functions while monitoring regulatory requirements

Group Risk Specialist – Exam Management

Operations

• Provide financial analysis and advanced general finance, accounting, or related operational support
• Recommend actions to management based on analysis of financial results
• Analyze financial performance against benchmarks and reconcile variances
• Research and explain findings and issues to department or business management
• Coordinate and execute finance and research projects, audits, and reporting processes
• Collect meaningful data and research across finance areas
• Interpret data analysis, make recommendations, and escalate complex issues
• Provide technical subject matter expertise, finance analysis, and operational process support
• Coordinate partners and expertise on operational issues and initiatives
• Analyze process drivers and root causes of cross-functional operational issues
• Investigate transaction and process exceptions and resolve escalated matters
• Develop reporting functions and produce consolidated or aggregated reports
• Manage relationships with customers and other TD Finance areas
• Manage workload to meet service-level requirements
• Identify and manage risks and escalate high-risk activities
• Conduct functional or enterprise-level reporting and analysis
• Monitor service and productivity and implement process improvements
• Provide guidance and direction to others
• Lead small-scale projects or workstreams when assigned
• Participate in team activities, knowledge transfer, cross-training, and performance development
• Keep stakeholders informed about project and activity progress
• Provide training, coaching, or guidance as appropriate
• Promote a positive, diverse, and equitable work environment

Finance Operations Analyst II

• Provide credit writing support to a Relationship Manager
• Jointly manage a portfolio of approximately 60 mid-market accounts
• Structure credits to meet customer needs and address perceived risk
• Complete necessary due diligence
• Produce reviews and risk ratings reflecting knowledge of Bank policies and procedures
• Proactively monitor account trends and conditions
• Develop action plans for problem situations
• Deliver consistent and timely service to customers
• Assist the Commercial Banking management team in resolving customer problems with an innovative approach
• Report to a Manager Commercial Credit who coordinates workflow and provides coaching on credit structure, pricing, and presentation

Credit Analyst II

Financial Planning and Analysis

• Manage a diverse portfolio of business management activities for complex or high-risk functional areas
• Implement policies, processes, and initiatives supporting business management, strategy, and governance objectives
• Contribute to strategic direction and develop and implement business strategies
• Plan, lead, manage, and oversee work activities across multiple areas
• Lead integrated implementation of policies, processes, procedures, and changes across functional areas
• Provide direction and subject matter expertise for complex enterprise and cross-functional projects
• Identify, design, and test solutions and support implementation
• Facilitate key discussions and provide thought leadership to executive audiences
• Develop roadmaps, strategic plans, deliverables, frameworks, and short- to long-term goals
• Partner with management and leadership, anticipate trends, identify issues and opportunities, and recommend actions
• Manage relationships with corporate and control functions and maintain regulatory alignment
• Monitor emerging issues, trends, and regulatory requirements and assess impacts to the Bank
• Escalate key issues and maintain risk management and control practices
• Ensure business operations comply with internal and external requirements
• Participate in enterprise initiatives as a subject matter expert
• Lead governance meetings, committees, action plans, and remediation efforts
• Recommend productivity, effectiveness, and operational efficiency improvements
• Support teamwork, client services, and knowledge transfer

Manager, Performance Insights and Strategic Planning

Sales

• Manage a diverse portfolio of business management activities for complex or high-risk functional areas
• Implement policies, processes, and initiatives supporting business management, strategy, and governance objectives
• Contribute to strategic direction and develop and implement business strategies
• Lead and oversee work activities requiring alignment across multiple areas
• Manage integrated implementation of policies, processes, procedures, and changes across functional areas
• Provide subject-matter expertise for enterprise and cross-functional projects and initiatives
• Identify, design, and test solutions and support implementation
• Facilitate key discussions and provide thought leadership to executive audiences
• Advise management and leadership on industry trends, issues, opportunities, and recommended actions
• Manage relationships with corporate and control functions and ensure regulatory alignment
• Assess and escalate key risks and issues
• Maintain risk-management culture, controls, and compliant business operations
• Lead governance meetings, committees, and related deliverables
• Implement remediation plans addressing performance, risk, and governance issues
• Support productivity, effectiveness, operational efficiency, knowledge transfer, teamwork, and client service

Manager, TD Premier – National Sales

• Conduct in-depth industry and financial analysis of existing and potential borrowers
• Support Lending and Credit functions of the Bank
• Underwrite commercial exposures within the Commercial Workout Department, including renewals, extensions, and occasional new money
• Analyze moderately complex loans, industries, and customers
• Research industry-specific information from external sources
• Participate in customer meetings and make direct inquiries for customer information
• Perform underwriting analysis of borrower character, creditworthiness, and financial condition
• Provide analytical support to the lending function
• Prepare timely approval memorandums for lending and credit authorities
• Analyze financial statements, management profiles, business and product cycles, cash flow, collateral, and aging data
• Prepare written analyses and recommendations for approval, denial, or alternative structures
• Maintain credit files and monitor updated financial statements and analysis memos
• Monitor compliance with regulatory requirements
• Identify deviations from Company Commercial Loan Policy and recommend alternative structures to reduce credit risk
• Meet operational quality and timeliness standards

Growth Marketing

• Manage a diverse portfolio of business management activities for complex or high-risk functional areas
• Implement policies, processes, and initiatives supporting business management, strategy, and governance objectives
• Contribute to strategic direction and develop and implement business strategies
• Plan, lead, manage, and oversee work activities requiring alignment across multiple areas
• Lead integrated implementation of policies, processes, procedures, and changes across functional areas
• Provide subject-matter expertise on complex enterprise and cross-functional projects and initiatives
• Identify, design, and test solutions and support implementation
• Facilitate key discussions and provide thought leadership to executive audiences
• Act as a management and leadership partner, identifying trends, issues, and opportunities and recommending action
• Collaborate with multiple teams across initiatives and functional domains
• Manage corporate and control-function relationships and ensure regulatory alignment
• Assess and escalate risks and issues
• Lead governance meetings, committees, and related deliverables
• Facilitate and implement action and remediation plans
• Identify opportunities to improve productivity, effectiveness, and operational efficiency
• Support team objectives, client services, knowledge transfer, and a positive work environment

Marketing Manager – Growth and Engagement

General

• Develop and maintain Power BI dashboards and executive reporting
• Analyze operational, governance, and support metrics to identify trends and insights
• Create executive-level presentations and management reports
• Translate complex data into clear and actionable business insights
• Maintain reporting accuracy, data quality, and consistency
• Identify opportunities to simplify and automate manual processes
• Design and implement workflow automations using Microsoft Power Platform
• Improve efficiency through controls, validations, notifications, and workflow optimization
• Drive continuous improvement initiatives across governance and operational functions
• Partner with technology, support, project, and business stakeholders
• Facilitate meetings, workshops, and governance reviews related to reporting
• Influence stakeholders to achieve desired outcomes without direct authority
• Communicate effectively with technical and non-technical audiences
• Act as a liaison between technology delivery teams, support teams, governance functions, and senior leadership
• Support operational effectiveness, governance practices, and decision-making through reporting and analytics

Business Insights Specialist, Power BI

• Facilitate day-to-day sales functions of Mortgage Loan Officers
• Act as the main communication facilitator between the MLO, sourcing agents, customers, vendors, mortgage operations, and sales support
• Serve as a central point of contact for customers to resolve issues and difficulties
• Assist high-producing loan officers with timely completion of loan applications
• Actively manage document collection from origination to closing
• Manage the Mortgage Loan Officers’ pipeline, track deliverables, and update borrowers on loan status
• Set customer expectations regarding rate inquiries, third-party providers, loan status, and other information
• Confirm appointments and review required application documents with customers
• Facilitate full or partial application intake
• Discuss products and pricing at the loan officer’s request or absence
• Review files for potential income and asset issues and remedy them before underwriting
• Assist in structuring deals to meet underwriting guidelines
• Advocate for client files and manage underwriting escalations when necessary
• Explain TD underwriting guidelines to borrowers
• Write credit memos explaining unique circumstances and summarizing lending requests
• Liaise between Loan Officers, Mortgage Operations, and Sales Support
• Develop a customer database to support new marketing opportunities
• Follow up with sales leads on behalf of the MLO
• Proactively manage the lead pipeline with the MLO
• Build relationships with MLO referral partners independently
• Provide high-level service to internal and external customers
• Assist in other areas as needed

Head of Consumer Deposits Product Innovation

Senior Modelling / Forecasting Analyst, Quants

Marketing Technology Product Owner – Salesforce Loyalty, Offer Management

Mortgage Loan Officer

Senior Manager, Tech Delivery / Partner Management

Senior MDM Engineer

Group Risk Specialist – Exam Management

Finance Operations Analyst II

Credit Analyst II

Manager, Performance Insights and Strategic Planning

Manager, TD Premier – National Sales

Credit Analyst II

Marketing Manager – Growth and Engagement

Business Insights Specialist, Power BI

Mortgage Loan Officer Assistant II