TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.
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Job Description:Department Overview
GTB is a key growth business within TDS thatprovides the opportunity to make an impact with top tier organizations. We offer innovative solutions and treasury advisory services on large and complex liquidity, payments, and trade finance needs. The business constantly changes with macroeconomic conditions, unprecedented levels of innovation,interest rate environments, and foreign exchange movements. As a result, all GTB business lines continue to evolve to provide optimum trade finance, liquidity, and payment solutions to clients.
GTB is comprised of four business lines: Global Trade Finance ( GTF ), Corporate Cash Management ( CCM ), Financial Institutions ( FI ), and Export and Agency Finance ( EAF ).
Job Summary
TDS has embarked on a multi-year digital transformation and expansion of GTB's product suite to position the transaction bank as a leading North American multi-currency treasury provider, enabling significant business growth across the TDS franchise. This role presents an opportunity to contribute to the build-out of the next-generation of GTB's transaction banking capabilities to (i) extend a highly successful GTB business into the US; and (ii) to future-proof the business with a platform that can evolve at minimal cost as client and industry needs & expectations continue to evolve.
This role will encompass responsibility for driving product development, innovation and enhancing client experience across a suite of Deposit Account and Liquidity Management capabilities that are critical enablers of sustainable future business growth and future-proofing the existing material business.
Accordingly, GTB is seeking a highly skilled Product Development Owner with significant experience for Deposit Accounts & Liquidity Management for Transaction Banking in both the US & Canada. Candidate must be a self starter, who leads cross functional teams to drive and deliver transformative change by leading with the voice of the client.
The role is responsible for driving the product strategy, roadmap, and features that will enable the digital experience for GTB's modernized cross-border platform, working as part of a cross-functional team including engineering, origination, risk management, operations & business services, and legal.
Job Responsibilities
- Define and execute a robust product strategy and roadmap for GTB's Deposit Account & Liquidity Management solution set on the next-generation North American treasury platform, while increasing scale of the business (particularly in the US) and with TDS' and GTB's overall strategy and goals.
- Work closely with GTB's Business Line Product Managers and other Product Owners to gather and analyze market research, client feedback, and competitive intelligence to inform the product roadmap and prioritization and identify market opportunities.
- Lead and support the ideation of Liquidity Management solutions, tailored for Corporate and FI clients, working with engineering teams to develop and launch those products, ensuring timely and high-quality product delivery, and to manage trade-offs between scope, schedule, and resources.
- Communicate the holistic client-centric product vision, strategy, roadmap, success metrics and progress to internal and external stakeholders, including management, executives, clients, and partners both in TD Securities and across the Bank.
- Track key product metrics to measure product success, and champion a culture of continuous improvement to iterate on product features and design based on data and feedback.
- Ensure all new products and services meet local and international regulatory standards, as applicable, and are managed within a strong control and risk management framework.
- Champion a culture of continuous improvement, regularly reviewing and optimizing the product portfolio based on performance metrics.
Job Requirements
- Proven track record of successfully launching and managing Deposit Accounts & Liquidity Management solutions for Corporate and FI clients end-to-end across the product lifecycle
- Experience developing strategy and implementing change across a substantial business or portfolio
- Ability to make sound judgment calls relating to strategic decisions under time pressure and manage well in ambiguous situations
- Strong strategic, analytical, and problem-solving skills to plan and execute change, leveraging extensive research and data including economic insights, market / industry insights, and client feedback
- 7+ years in Wholesale Transaction Banking product management
- Excellent communication and collaboration skills, with the ability drive strategy implementation by effectively working with cross-functional teams and communicating complex technical concepts to non-technical stakeholders
- Experience in agile development methodologies and working with engineering teams to deliver high-quality transaction banking products for Corporate and FI client segments
- Strong influencing skills, with the ability to manage and motivate teams and internal partners to deliver high-quality products on time, within budget, and that meet client related and internal KPIs
- Bachelor's or Master's degree in Business, Computer Science, or a related field
Depth & Scope:
- Works closely with senior leaders in articulating the strategic vision for the business to define GTB's customer value proposition and corresponding product offering suite, setting us up to compete effectively against the established global financial institutions (FIs)
- Stays up to date with the rapidly evolving payments and receivables market offerings including Fintech, Partners/Vendors and FIs. Understands changes across the payment landscape, from regional low value (ACH) to high value (Fedwire, CHIPS) and cross-border (SWIFT) payments, and other payment innovations (real-time payments, FedNow, ISO), uses this knowledge to identify where we can leverage solutions to creatively address a Corporate client's treasury needs
- Have a good understanding of the regulatory and compliance landscape across North America, and able to break down complicated legal concepts to bring treasury solutions to our clients
- Be the 'Voice of the Customer' by working with our clients to understand their needs and staying up to date on the latest changes in the treasury industry. Able to assess any potential impact on corporate treasury processes, and direct / influence how TD builds technology and processes to meet evolving expectations
- Partners with the origination team to advise and support corporate treasury clients on their unique needs by bringing deep subject matter expertise in the cash management and payments space
- Provides internal and client facing thought leadership in cash management and treasury innovations across the global industry, and producing relevant materials to support the origination team
- Be an innovative product owner that adopts new ways of working to help our clients solve their complex challenges or improve our operating efficiency (e.g. streamlining businesses processes or adopting new tools and technology)
- Develops eminence that fosters value-add conversations with our stakeholders (internal and external) and represents GTB at industry forums (e.g. AFP, SWIFT and the Fed)
- Takes ownership and accountability for all related products and platforms, maintaining a client-first mindset that ensures all aspects of product development & strategy (e.g. design, delivery, client onboarding, etc.) are frictionless
- Works with senior leaders across the organization to identify new opportunities and directly or indirectly manages the activities for multiple functions across the enterprise (e.g. project management, risk and compliance, legal, technology, operations, etc.)
- May mentor and develop junior members
Education & Experience:
- Undergraduate degree required
- 10+ years relevant work experience
- Recent role in cash management, payments or treasury
- Experience with banking or payments/regulatory organizations, eg Federal Reserve
- Strong leadership, persuasion, presentation and communication skills
- Proactive, positive attitude with an insatiable desire to learn
- Results oriented and comfortable dealing with ambiguous or uncertain situations
- Capable of managing sophisticated relationships and recognizing broader opportunities that may involve more than one business or operating unit
- Ability to perform detailed analysis and see the bigger picture, using empirical data to inform decision-making
- Acts decisively while working effectively in teams
- Experience in the following is considered a strong asset:
- Client facing role in investment / corporate banking or comparable
- Hands-on delivery experience at a financial institution, or technology equivalent
- Demonstrable delivery credentials – prior experience on large-scale change initiatives
- Wholesale banking or payment industry experience with knowledge of: SWIFT, ISO, XML, APIs and regulatory insight
- Familiarity with Treasury Management Systems (TMS) and/or Enterprise Resource Planning (ERP) systems such as Kyriba, G-Treasury, SAP etc.
- Working in a scrum/agile environment
- Ability to travel 15% to 35% of the time
Who We Are
TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.
Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at ...@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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