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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. 

Job Description:

We are Market Risk. While we don't actually predict the future, we do like to think we get pretty close.

The Market Risk team's role is to identify, measure, communicate and make decisions on enterprise-wide market risk, liquidity risk, and counterparty credit risk, as well as collateral management activities in support of the Risk Appetite at TD. We have a global presence with teams in Toronto, Calgary, New York, Singapore, Dublin and London. TD recognizes that a strong risk culture and equable approach to risk management is fundamental to our success.

About the Program

The Market Risk Rotational Program is an immersive 24-month program designed to help you step into the world of risk management. On top of developing your leadership skills, the goal of the program is to help strengthen your thought process and proactive thinking to better understand, administer and deliver best practices to achieve the highest level of risk management.

If you’re a natural problem solver, love numbers and have a keen interest in finance/capital markets, we want you to be part of our rotational program.

In this program you'll complete four customized, six-month rotations across Market Risk where you may learn about:

• Trading Market Risk
• Non-Trading Market Risk
• Liquidity Risk
• Counterparty Credit Risk and Collateral Management
• Capital Risk

We align rotation opportunities with our business strategies to ensure you work on the most important priorities.

What You'll Do

No matter where you work at TD, you’ll make a meaningful impact, grow your skills and thrive in our culture of care. Here’s what that means for each rotation in this program:

Make an Impact

• Measure, interpret and monitor risk metrics to assess risk exposures, providing insights that support risk management and interaction with the first line of defense
• Enforce risk governance standards through the identification, assessment, escalation, and remediation of control exceptions, ensuring adherence to risk policies and a robust control environment.
• Conduct in-depth analysis of risk exposures, portfolio dynamics, and market developments, providing actionable insights and recommendations that support effective risk oversight and informed decision-making
• Proactively manage operational risk through the execution of key controls, timely identification and escalation of issues, and analytical assessment of emerging risks and control weaknesses
• Apply AI, automation, and data-driven innovation to solve complex risk management challenges, enhance analytical capabilities, and deliver optimal, efficient, and sustainable solutions across the organization

Experience Growth

• Work alongside a high-performing team of risk professionals to broaden and deepen your understanding of risk disciplines
• Collaborate and communicate with the team to meet deliverables and deadlines
• Receive one-on-one coaching and mentorship from business leaders throughout your two-year program

Cultivate Our Culture of Care

• Connect with senior management and gain experience from experts at the top of their game
• Interact with other Associates to share learnings and network within the organization

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. Receive 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
 

What You Need to Succeed

We’re proud to work with a group of diverse colleagues. If you have relevant experience that isn’t mentioned below, tell us about it in your resume or cover letter.

• Strong foundation in capital markets, financial instruments and pricing and a solid mathematical/statistical background
• Expertise in quantitative analysis, financial modeling, and advanced Excel skills
• Ability to organize, analyze, and synthesize large and complex datasets to identify material risks, uncover actionable insights, and support effective risk measurement, oversight, and strategic decision-making.
• Ability to summarize and communicate complicated results and/or issues in a clear, concise and timely manner
• Can manage multiple deadlines and priorities in a fast-paced and complex environment while maintaining attention to detail
• Ability to demonstrate accountability, independence and taking initiatives
• Strong desire to learn new things and develop an end-to-end understanding of processes
• Desire to work in a caring, respectful and inclusive environment where all employees are supported

Educational Requirements; Must be graduated between May 2025 and May 2027 with a bachelor's degree in business, Economics, Mathematics, Finance or other relevant discipline.

Program Location and Start Date: Toronto-based program which starts in July 2027. Candidates must have graduated prior to start (including final grades, excluding convocation).

Applications Must Include:

• Transcripts
• Cover letter, including an explanation of how the Associate Program fits within your career aspirations (one letter-sized page or less)
• Resume (maximum of 2 pages)

Hours & Workplace Model: Monday–Friday, standard business hours

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!

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):