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TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

Department overview

The Treasury and Balance Sheet Management (TBSM) department of TD Bank is responsible for overseeing the management of TD Bank’s: non-trading market risk, liquidity risk and capital position.

The Enterprise Funds Transfer Pricing (FTP) team within TBSM supports the Bank's Product Profitability and Product Management through:

• Defining the Funds Transfer Pricing methodologies and frameworks used in evaluating the margins and NII performance of the Bank’s various products
• Setting the Funds Transfer Pricing rates which drive product pricing and margin measurement
• Working with TD's various Deposit and Lending Product Businesses to support effective product pricing and providing Treasury centric advice
• Understanding the risks of each product and developing methodology to reflect those risks in pricing
• Understanding business profitability drivers and recommending strategies to achieve stable and predictable margins.

The opportunity

Serve as a top-level Funds Transfer Pricing expert, leading complex initiatives and advanced analytical work across products and business segments. You will shape methodologies, advise senior leaders and governance forums, and provide authoritative direction on complex FTP matters and strategic Treasury decisions. The product/segment scope of the role focuses on the Canadian Personal, Small Business, and Wealth Management deposit products.

What you'll do

• Provide deep technical expertise and senior analytical leadership on complex FTP matters and key margin drivers.
• • Lead advanced FTP forecasting, margin attribution and assessment of interest rate and funding impacts in line with Treasury frameworks and governance.
• Coordinate responses to auditors, regulators and risk partners and represent Treasury’s FTP perspective within the area of expertise.
• Partner with Product and other stakeholders on major initiatives, pricing strategies and new offerings, including impacts to margins and balance sheet economics.
• Act as a recognized FTP subject-matter expert and provide guidance, recommendations and technical insight to internal and external partners.
• Participate in governance forums, working groups and committees to influence decision-making and represent Treasury’s interests.
• Lead enhancement of FTP methodologies, processes, models and analytical systems.
• Anticipate emerging business, market and regulatory issues and recommend large-scale functional or technical improvements.

What you bring

• Significant depth and breadth of expertise in FTP and strong knowledge of Treasury and balance sheet disciplines.
• Experience advising executives and senior business leaders on ambiguous, high-impact pricing, margin and performance matters.
• The ability to formulate methodologies, policies, operating standards and execution strategies.
• Innovative thinking and sound judgment when solving unique problems with broad financial or operational impact.
• Strong credibility in senior stakeholder, governance, audit and regulatory discussions.

Your impact

• Shape the technical and functional direction of Treasury FTP.

• Strengthen methodology, governance and strategic integration of FTP insights.

• Influence enterprise decisions through authoritative advice on pricing, margins and balance sheet economics.

Qualifications

• Familiarity with retail banking products, FTP concepts, and principles of treasury risk management pillars (ALM, Liquidity, Capital).
• Experience in finance/accounting, bank treasury, capital markets or other relevant experiences
• Excellent interpersonal and communication skills
• Strong organizational and prioritization abilities to help support managing many different and competing requirements

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):