Specialized Finance Manager-Banking Book Capital Advisory

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Finance

Pay Details:

$96,900 - $136,800 CAD

This role is eligible for a discretionary variable compensation award that considers business and individual performance.

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 Capital & Balance Sheet Management team, part of TD Securities Finance, is responsible for capital management and capital project initiatives, as well as providing subject matter expertise in liquidity, funding and the balance sheet. The team is involved in leading consultations and industry discussions regarding current and upcoming OSFI requirements, optimizing capital, managing financial resources, business line measurement, forecasting, and limit management.

Job Overview:

The Manager is responsible for providing regulatory capital advisory and management for Banking Book activities across TD Securities, with a focus on structured products, securitization transactions, and capital optimization initiatives. This role provides subject-matter expertise on applicable regulatory capital frameworks, including OSFI and FRB, and supports the consistent interpretation and application of capital rules.

Responsibilities:

• Advise on capital management actions, including significant risk transfers, guarantees, hedging, and portfolio repositioning.

• Provide technical advisory on regulatory capital treatment for new products, structured transactions, and securitization initiatives, supporting efficient capital structuring and alignment with regulatory expectations.  

• Partner with Front Office, Risk, and Treasury to evaluate the impact of transactions on capital, leverage, and portfolio performance. 

• Identify and assess technical capital optimization opportunities across the banking book, to improve capital efficiency, balance sheet utilization, and return on equity.

• Act as an escalation point for complex capital interpretive issues and emerging risks, and coordinate remediation actions where required.

• Monitor regulatory developments and coordinate implementation of rule changes impacting Banking Book products, ensuring timely updates to internal policies, processes and stakeholder guidance.

The ideal candidate will possess:

• Strong understanding of wholesale banking and capital markets products, including securitizations, credit risk transfers and structured lending.

• Solid understanding of regulatory capital frameworks and their practical application, including regulatory interpretation, policy development, or capital implementation.

• Experience assessing new products or business initiatives from a risk, capital, accounting, or balance sheet perspective.

• Demonstrated capability to work effectively with Front Office, Risk, Finance, and Treasury stakeholders in an advisory or governance capacity.

• Strong analytical and problem-solving skills, including experience working with large datasets and developing insights to support decision-making.

• Excellent written and verbal communication skills with the ability to prepare materials for executive audiences.

• High degree of initiative, accountability, and comfort operating in a fast-paced and evolving regulatory environment.

• 7+ years relevant experience preferred

Specific Educational Requirements / Accreditations: 

• CFA, FRM, CPA or equivalent designation preferred

• Undergraduate degree

• Graduate degree in Finance, Economics, Engineering or related discipline considered an asset  

Work activities include a blend of highly collaborative activities and individual deliverables. Individuals are expected to be onsite 4 days a week. Colleagues may spend more or less days in office as required by the business line. 

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