Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Finance

Pay Details:

$81,600 - $115,200 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:

Job Description:

The role provides strategic oversight of intraday liquidity risk through advanced analytics, insight-driven reporting, and strong governance to support effective management of daily payment activity and alignment with regulatory expectations. The position integrates liquidity analytics and regulatory reporting with the design and refinement of key metrics, forward-looking risk monitoring, and ongoing challenge of methodologies and assumptions. The role plays an influential part in shaping system and data design, strengthening governance and control frameworks, and driving continuous enhancement of the intraday liquidity management capability. This position offers regular exposure to senior management and direct engagement with key stakeholders, including Enterprise Liquidity Risk, Audit, and executive leadership, with opportunities to present insights and recommendations at senior forums.

Key accountabilities include:

Intraday Liquidity Risk Reporting and Analytics:

• Prepare and ensure accuracy of regulatory liquidity risk reporting, including submissions to the Office of the Superintendent of Financial Institutions (OSFI).
• Support regulatory examinations and inquiries related to intraday liquidity risk and management.
• Deliver regular and reliable intraday liquidity metrics, analytics, and insights based on a deep understanding of the firm’s businesses, client activities, and payment flows. Measure, analyze, and explain key liquidity risk metric
• Provide clear, accurate commentary on liquidity metrics, highlighting key drivers, trends, and emerging risks, while escalating issues in a timely manner.
• Own the development and enhancement of intraday liquidity reporting to meet internal management needs, regulatory expectations, and industry best practices.
• Support management with ad hoc intraday and short-term liquidity analysis as required.
• Design, review, and enhance daily intraday liquidity reports to identify emerging risks, trends, and potential stress points.

Intraday Liquidity Risk Management & Oversight

• Provide day-to-day oversight of intraday liquidity risk, ensuring payment activities are appropriately monitored and managed.
• Establish alerts, escalation protocols, and monitoring processes to ensure timely communication of intraday liquidity risks and limit breaches to relevant stakeholders.
• Investigate intraday liquidity outages or disruptions with strong analytical curiosity, identifying root causes and remediation actions.
• Work closely with second line risk to develop and maintain intraday liquidity risk monitoring policies and supporting frameworks.

Data Quality, Governance & Controls

• Take ownership of the quality, timeliness, and completeness of data used in intraday and regulatory liquidity reporting.
• Build and maintain robust controls and governance frameworks to reduce operational risk and ensure data integrity.
• Provide support for data governance initiatives, internal audits, and regulatory inquiries related to liquidity risk and intraday liquidity management.
• Develop and implement checks and balances to ensure accuracy, consistency, and reliability of system-generated liquidity data.

Continuous Improvement

• Contribute to the ongoing development and enhancement of the intraday liquidity management system, processes, and analytical capabilities.
• Identify opportunities to streamline workflows, improve automation, and enhance reporting efficiency and insight.

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