Treasury Associate Program

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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 candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

Job Description:

DEPARTMENT OVERVIEW

Treasury and Balance Sheet Management (TBSM) at TD is a recognized global leader in asset and liability management. Were perceptive and nimble; accuracy makes us want to throw confetti in the air (figuratively speaking mostly) and were looking for advanced graduates like you to join our Treasury Associate Program.

At TBSM we drive shareholder value by managing wholesale funding programs maintaining a comprehensive and disciplined funds transfer pricing framework. We also develop strategies for the enterprise investment portfolio and capital positions to ensure TD can generate stable and predictable earnings while optimizing the balance sheet within our risk appetite.

Our department is made up of over 250 dynamic professionals who provide expertise in managing the banks balance sheet to drive incremental value across all businesses within TD.

If were speaking your language read on to learn about our Treasury Associate Program for exceptional graduates.

JOB DESCRIPTION

About The Program

If you hold a graduate degree have a data-driven mind for finance and cant resist a good puzzle we want you on our leadership track.

The Treasury Associate Program is twofold beginning with comprehensive training delivered by both Treasury and Balance Sheet Management (TBSM) subject matter experts as well as external presenters to provide you with a solid foundation of key TBSM risk concepts and practices.

The 2-year rotational program provides Associates with the opportunity to rotate across four distinct areas every six months to learn grow and add lasting value. The program is designed to provide exposure to the fundamental areas of Treasury and each six-month rotation may be in the following potential areas*:

• Funds Transfer Pricing (FTP): Support detailed ad-hoc analysis portfolio deep dives document workflow and develop conclusions or recommendations linked to improving risk management and transfer pricing methodologies.
• Enterprise Capital Management (ECM): Support the core capital forecasting and planning mandate within ECM. This might include partnering with multiple stakeholders to inform conversations at management meetings regarding capital as well as ad-hoc projects.
• Funding: Learn about the funding programs of TD: various funding products market dynamics and the execution process through supporting the launch of new programs into new markets developing new dashboards peer bank competitive analysis and helping to enhance deal execution process.
• Liquidity: Develop a better understanding in Liquidity and Cash Management by supporting regular Liquidity logic upgrades and technology automation activities; support the identification measurement forecasting and monitoring of liquidity risks within the Canadian Retail Bank Wholesale and at an aggregate TD Bank Group level.

*Rotation opportunities are subject to change without notice to ensure they align with business priorities; however talk to us if youre keen to learn from some teams over others.

Heres what you can expect as our Associate:

Each rotation is likely to consist of a combination of project-based and reporting (attribution) work. As you progress through the program youll gain valuable experiences in strategic decision making and industry leading risk management and portfolio management practices allowing a holistic view of balance sheet management by the end of the program.

Mentorship is a big part of this program. You will be supported by a robust team of colleagues peers advisors and Executive mentors to ensure your growth development and success.

As a TD Associate youll also have access to programming tools and a community of support for your pursuits and interests beyond the 9-to-5. This includes leadership talks lunch and learns self-development workshops TD sponsored conferences socials team challenges volunteer opportunities career coaching and more.

Your dream career in Balance sheet management starts with TD:

The Treasury Associate Program develops leaders who specialize in Treasury and Balance Sheet Management at TD using sophisticated and complex hedging strategies and superior execution of financial derivatives.

We seek sharp minds who enjoy solving complex financial problems in a regulated industry. We want dynamic individuals who take initiative and are passionate about simplification and improving processes. Our ideal candidates have creative new perspectives and the confidence to share them with senior management.

Does this sound like you Keep reading.

What Youll do

No matter where you work at TD youll make a meaningful impact grow your skills and thrive in our culture of care. Heres what that means for each rotation in the Treasury Associate Program:

Make an Impact:

• Develop detailed accurate and timely financial reporting and forecasts supported by insightful commentary using MS Excel Power Pivot-Query-Automate Access Tableau Alteryx etc.
• Use key financial data and project tools to ensure success efficiency and productivity
• Identify/implement process improvements to automate streamline and increase accuracy of data analysis to influence material financial decisions

Experience Growth:

• Work with key business partners on hedging new product offerings pricing decisions etc.
• Manage and prioritize multiple projects working with discretion and confidentiality
• Invest in personal development and growth; you value and actively seek constructive feedback
• Develop breadth of experience in core Treasury disciplines

Cultivate Our Culture of Care:

• Represent Treasury on cross functional/cross product working groups projects and forums
• Liaise between internal stakeholders (business accounting risk legal and tax) and external advisors where appropriate
• Build a wide network between Finance Treasury and broader TD teams
• Participate in specialized programming
• Structured training and workshops to develop core competencies

Job Requirements

What You Need to Succeed

Were proud to work with a group of diverse colleagues. If you have relevant experience that isnt mentioned below tell us about it in your resume or cover letter.

Qualifications and Skills:

Some of these skills may stem from academic work or former jobs:

• Record of excellence in academics balanced with a range of extracurricular activities
• A high degree of numeracy and comfort with financial and quantitative analysis including modeling and/or hedging
• A quantitative mindset committed to pursuing a career in Treasury and Balance Sheet Management
• A sharp eye for process simplification automation and innovation; can dig through voluminous data
• Strong technology user; early adopter and can learn new tools quickly
• Understands financial markets and instruments financial engineering financial institution operations bank product structure pricing and transfer pricing legislative and/or regulatory environments
• Self-starter and independent thinker with proven strong problem-solving skills analytical capabilities and organizational skills

• Strong technical proficiency with various tools and systems (Bloomberg SQL Confluence Jira Advanced Excel Alteryx Tableau PowerBI VBA R Python and other relevant tools.

ADDITIONAL INFORMATION

Specific Educational Requirements Accreditations and Experience:

• Graduate degree within the last two years or are completing a graduate degree in a quantitative discipline (Finance Economics Mathematics Engineering Statistics Data etc.) or a Master of Business Administration (MBA)
• At least 3 years work experience post-undergraduate degree with increasing responsibilities in a related field
• Professional designations are assets (e.g. CFA CPA FRM etc.)

Applications:

This is a Toronto-based 2-year rotational program (Ontario Canada) which starts in Summer 2026.

Applications must include (applications without the below will not be reviewed):

• Transcripts
• Cover letter (one letter-sized page only)
• Resume (two letter-sized pages only) - include graduation month and year and program

Please ensure that your cover letter resume and transcript are included in a single PDF document when submitting your application. If not submitted correctly your application may not be reviewed or may delay recruitment.

KEY DATES

Posting Close date: September 26th

Start date: Summer 2026 candidates must have graduated prior to start (excluding convocation)

Virtual Information Session: September 16th

Want to learn more Join our virtual information session to hear from our Finance partners and Associates in the program. Register here: welcome all applications but can only respond to candidates selected for an interview. We thank all applicants for their interest!

Who We Are

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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:

Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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. 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 were committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process

Well 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 youd 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!

INCLUSIVENESS

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.

Who We Are

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were 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 youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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. 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 were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well 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 youd 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):