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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:

TDS has embarked on a multi-year digital transformation and expansion of our Commercial and Corporate Transaction Banking product suite to position TD as a leading North American multi-currency treasury provider, enabling significant business growth across the franchise.

TB is a key growth business within TDS that provides the opportunity to make an impact with Corporates, Financial Institutions, and Government clients by providing innovative solutions and treasury advisory services on large and complex liquidity, payment, and trade needs.

The Analyst, Transaction Banking Product Development supports the delivery of Transaction Banking Products across the Payables & Receivables product portfolios. Working with Product Managers and cross-functional partners, the Product Analyst combines product development support with business analysis disciplines to help move initiatives from product concept and requirements building through to implementation.

The role may be aligned to different product portfolios and projects across the Payables (Real-Time & Emerging Payments, Domestic/Low Value, Cross-Border/High Value) and Receivables product portfolio. Assignments will vary based on business priorities, delivery roadmaps, and capacity needs.

The successful candidate will:

• Partner with Product Managers to support product strategy, roadmap execution, business cases, initiative planning, and delivery of new or enhanced capabilities.
• Gather, document, validate, and maintain business requirements, process maps, client and user needs, use cases, epics, features, user stories, acceptance criteria, and traceability artifacts.
• Conduct current-state and future-state analysis, identify gaps and dependencies, and translate business needs into clear requirements for Technology, Operations, Change Delivery, Risk, Legal, Compliance, Finance, Sales, Service, and other partners.
• Support project and product governance by preparing status updates, decision materials, meeting content, risks, issues, assumptions, dependencies, and action logs.
• Coordinate working sessions, requirements reviews, walkthroughs, and stakeholder discussions; document decisions and follow through on actions.
• Support testing and implementation activities, including test planning, business acceptance criteria, defect triage, readiness assessments, implementation checklists, and post-launch reviews.
• Prepare and maintain product documentation, operating procedures, forms, client and internal communications, training content, implementation materials, and product collateral.
• Perform market, client, competitor, regulatory, financial, and operational analysis to support product recommendations and prioritization.
• Use data to identify trends, client needs, process inefficiencies, revenue opportunities, expense considerations, and potential product or service improvements.
• Support product commercialization and change management activities, including stakeholder readiness, sales and service enablement, client migration, and launch communications.
• Assist with partner and vendor interactions, due diligence, documentation, issue management, and delivery coordination, as applicable.
• Contribute to the effective management of product, operational, compliance, regulatory, and delivery risks; escalate concerns and support remediation activities.
• Build effective relationships across Transaction Banking and the broader organization while demonstrating sound judgment, accountability, and a client-focused mindset.

Job Requirements

• University Degree with 3 - 5 years of relevant Agile Product delivery and/or payments product experience in Transaction Banking, Correspondent Banking, Payments and/or Wholesale Banking
• Strong knowledge of the Canadian, US, and international transaction banking landscape, including payment and collection methods, clearing systems, messaging standards, and receivables solutions such as ISO 20022, SWIFT, EFT/ACSS/ACH, Lynx, Interac and Interac Bulk, Payments Canada RTR, EDI, virtual accounts, electronic bill presentment and payment, lockbox, cash application, account validation, and emerging payables and receivables trends.
• Ability to translate and articulate requirements between stakeholders (business, operations, compliance, risk, technology, etc.) to deliver business requirements, features, epics and user stories while sharing the context and rationalization from a business/customer point of view.
• Successfully deliver complex product features and functionality to market, on time and on budget.

• Client focused with ability to consult with clients and Transaction Banking partners regarding service preferences and client requested enhancements to deliver client centric solutions.
• Excellent organization and prioritization skills to effectively operate in a dynamic environment and actively support ongoing change management.
• Effectively manage competing priorities while delivering high-quality results.

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 strive to make every interaction, product and experience remarkably human and refreshingly simple.  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. 

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 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. 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.

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

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected].  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.