Work Location:
Toronto, Ontario, Canada
Hours:
37.5
Line of Business:
Finance
Pay Details:
$155,000 - $215,000 CAD
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:
Reporting to the Vice President, Finance & CFO, Canadian Personal & Small Business Banking (CPSB), the Associate Vice President leads Finance support for Real Estate Secured Lending (RESL), Specialized Sales Force (SSF), Operations and the Chief Operating Officer (COO) organization. The role is the senior Finance partner to the SVP, RESL; SVP, Specialized Sales Force; and SVP & COO, CPSB, connecting strategy with financial outcomes across significant revenue, balance sheet, expense and investment portfolios.
The role provides forward-looking advice and independent challenge on growth, profitability, productivity, transformation and resource allocation. It brings an enterprise perspective to decisions, identifies opportunities for value creation and maintains strong financial management, controls and performance discipline.
As a member of TD's leadership team, the AVP sets high ethical and performance standards, develops talent and collaborates across the Bank to deliver sustainable results. The role requires strategic insight, business acumen, sound judgment and integrity.
POSITION-SPECIFIC ACCOUNTABILITIES:
- Lead portfolio planning, forecasting, reporting and performance management. Develop driver-based forecasts and scenarios, explain variances, and translate risks and opportunities into executive insight and recommended actions.
- Advise and independently challenge RESL pricing and offers. Assess volume, retention, margin and risk-adjusted return trade-offs, considering funding costs, customer behaviour and competition.
- Lead SSF financial planning and analysis, including MMS and broker channel financials and compensation models. Evaluate acquisition costs, incentives, conversion, retention and lifetime profitability; advise on compensation changes and channel mix across branch, specialist, broker and digital distribution.
- Assess portfolio economics across volumes, market share, margins, credit, funding, expenses and returns. Analyze profitability by product, segment and origination cohort, isolating mix, pricing, renewals and runoff. Partner with Treasury, Risk, Product and Distribution on rate scenarios, funding and capital implications.
- Advise on investment prioritization and allocation of capital, expense and capacity. Challenge business cases, returns, costs and milestones; track benefits and cross-CPSB dependencies and trade-offs. Recommend reprioritization when economics or delivery assumptions change.
- Analyze operational cost drivers, unit costs, cost-to-serve and capacity. Link volumes, service levels, staffing and demand to expense plans; challenge assumptions and identify productivity and operating-leverage opportunities while protecting controls and customer outcomes.
- Partner with COO leaders to connect strategic priorities, transformation and operating performance to financial outcomes. Assess cross-business initiatives and execution risks, balancing near-term commitments with longer-term value.
- Provide oversight and independent challenge of reporting, controls, allocations and accounting. Reinforce direct and shared cost ownership, reliable management information and consistent financial treatment; resolve issues with Finance and enterprise partners.
Finance Talent, Capability & Leadership
- Build a high-performing Finance team with the capabilities to deliver stronger business partnership, insight and independent challenge. Shape talent priorities, attract and develop talent, and strengthen succession and leadership depth, with a focus on commercial acumen, strategic judgment and executive influence.
- Advance the portfolio's Finance operating model in alignment with enterprise and CPSB strategy. Shape and implement changes within the team, and strengthen team capacity for higher-value advisory work.
- Champion data, digital and AI-enabled Finance, influencing priorities with enterprise partners and accelerating adoption of tools, analytics and automation that improve decision-making, information quality, productivity and colleague capacity. Provide leadership and accountability for a sound financial control environment within the portfolio. Ensure changes to processes, tools and responsibilities maintain clear ownership and effective governance; partner with enterprise control owners to address risks and sustain confidence in financial information.
- Lead through the TD Way, creating an inclusive, high-performing culture grounded in clear expectations, accountability, constructive challenge, continuous improvement and colleague development. Set clear objectives, provide ongoing coaching and feedback, recognize strong performance and address performance gaps Operate as an enterprise Finance leader, building partnerships across CPSB and enterprise Finance, Treasury, Risk, Accounting, Tax, Data & Analytics and Technology; contribute to the broader CPSB Finance agenda beyond the immediate portfolio.
QUALIFICATIONS & EXPERIENCE:
The successful candidate will bring:
- Significant senior-level financial management, business advisory and leadership experience, with strong banking economics and commercial acumen.
- Strong understanding of secured lending profitability, pricing and channel economics, together with operational cost management and investment evaluation; ability to connect product, distribution and operating decisions to financial performance.
- Experience evaluating growth, investment, transformation, productivity and resource-allocation decisions, with sound judgment in balancing financial outcomes, customer needs and risk.
- Strong analytical and communication skills; ability to synthesize complex issues into concise executive recommendations and influence decisions through constructive challenge.
- Proven experience developing talent and succession depth and implementing Finance improvements across team operating models, processes, tools and controls; ability to partner with enterprise teams and deliver sustained adoption and measurable benefits.
- Ability to manage competing priorities effectively and maintain resilience in a fast-paced environment.
EDUCATION
An advanced business or professional accounting designation qualification such as MBA, CPA, or CFA, would be an asset.
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):
Sans Objet
