US Graduate Leadership Program- Payments

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.

The Management Associate, US Graduate Program is a 2-year direct to impact development program that will accelerate your potential and place you at the center of a real-world transformational challenge, aimed at bettering the lives of the customers, colleagues, and communities we serve.

• Requires substantial knowledge / expertise in a complex field and knowledge of broader related areas
• Integrates knowledge of the organization's sub-functions or business line’s overarching strategy in developing solutions across multiple functions or operations
• Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
• Acts as a technical expert / lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialists
• Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
• Independently manages end-to-end functional programs
• Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
• Uses sophisticated analytical thought to exercise judgement and identify solutions
• Impacts the achievement of sub-function or business line objectives within the area they are accountable for
• Work is guided by policies and industry standards/methods
• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
• Works autonomously as the lead and guides others within area of expertise

• Graduate Degree in related field
• Recent (within the last 2 years) MBA graduate with technically focused Undergraduate degree (i.e., STEM), OR Recent technically focused Master's graduate (i.e., Analytics, Innovation, Digital area, etc.) with business Undergraduate degree
• Current graduate student with studies in Marketing, Digital Marketing, Business, Data Science, Computer Science, Analytics or related fields preferred.
• 3+ years of relevant professional experience
• Pursuing a Graduate Degree in related field

• Completes business objectives set together with leadership as outlined at the start of the program
• Develops detailed, accurate, and timely research and reporting supported by insightful commentary
• Conducts internal and external research projects; support the development / delivery of presentations / communications to management or broader audience
• Conducts meaningful analysis at the functional or broader organizational level using results to draw conclusions, make recommendations, assess the effectiveness of programs / policies / practices
• Identifies/implements process improvements to automate, streamline, and increase analysis and decisions
• Represents business on cross-functional/cross-product working groups, projects, and forums
• Works with key business partners on strategic initiatives
• Liaisons between internal stakeholders and external advisors, where appropriate
• Manages and prioritizes multiple projects, working with discretion and confidentiality
• Advises and presents senior management and influence decisions
• Invests in personal development and growth
• May be customer/client facing, and may be required to provide solutions for escalated inquiries or concerns

• Adheres to organizational frameworks or methodologies that relate to activities for our business area
• Ensures respective programs / policies / practices are well managed, meets business needs / priorities, and complies with internal/external requirements
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
• Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high risk activities as necessary
• Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations
• Monitors service, productivity and assesses efficiency levels within own function and implement continuous process/performance improvements
• Leads / facilitates and/or implement actions / remediation plans to address performance / risk / governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with organizational and/or regulatory requirements
• Keeps abreast of emerging issues / trends and evolving regulatory climate, and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

• Participates fully as a member of the team, support a positive work environment that promotes service to the business, innovation, and teamwork and ensure timely communication of issues / points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Remains current on trends, and grow knowledge of the business, related tools, technology and techniques
• Committed to curiosity and a growth mindset and a hunger to innovate with purpose
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up to date about the status / progress of projects and /or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills / capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners / stakeholders
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, internally and externally

• Bachelor’s degree in Business Administration, Engineering, Computer Science, Economics, Finance, or a related field; an advanced degree, such as an MBA or master’s degree.

• Experience developing and executing initiatives in product management, strategy, innovation, consulting, payments, fintech, treasury, wealth management, or digital transformation.
• Experience collaborating with diverse stakeholders across business, technology, operations, risk, legal, compliance, and executive leadership, while building partnerships and influencing outcomes without direct authority in large, complex organizations.

• Curiosity about emerging capabilities such as artificial intelligence, tokenization, digital assets, real-time payments, and digital servicing platforms.

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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.