Innovation Analyst Intern/Co-op (WINTER 2026)

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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.

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:

WANT TO SHAPE THE FUTURE OF BANKING

Have you ever wondered how North Americas most successful companies develop some of their most innovative ideas If so consider exploring TD Invent the banks enterprise approach to innovation creating the products and services of the future.

TD Invent is our approach to transforming experiences for customers colleagues and the communities we operate in. Behind TD Invent is a community of innovators patent filers designers researchers developers and partners who come together to build todays solutions with tomorrows mindset. TD Invent will introduce you to areas and topics that may make you rethink what its like to work in financial services.

DEPARTMENT OVERVIEW

Within TD Invent is the TD Enterprise Innovation team where our highly collaborative pod (idea development) teams of Product Owners Designers and Developers work together to ideate explore and validate innovative solutions that will change the way the bank thinks about its customers - one sprint at a time. Make your mark in a setting where every day operates like a well-funded start-up while helping TD shape the future of banking.

JOB DESCRIPTION

Co-op and Internship opportunities allow you to gain valuable work experience across a number of the businesses at TD. You will work with experienced colleagues receive world class training and be part of a community of students across TD where you will have an impact grow as an individual and experience our culture of care.

Our Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business build on critical career capabilities and broaden your professional network. This program is designed to complement your on-the job experience and features:

• Leadership talks with key Leaders from across the organization
• Lunch and Learns on topics such as Innovation Diversity & Inclusion Personal Branding and so much more

As an Innovation Analyst Intern/Co-op within Enterprise Innovation which includes TD Lab you will explore emerging technologies and market trends work in pod teams to explore new concepts test with users to understand how we might improve customer experiences and build business cases to support ideas.

You will truly learn apply and experience lean concept and product development by:

• Leveraging research and analysis to help define the right area of focus and testing ideas with customers for feedback and iteration
• Answering critical business questions using TDs Innovation Framework which incorporates Business Design/Design Thinking and Agile methodologies
• Sharing research insights with other TD teams eager to learn about Enterprise Innovation projects and our competitive landscape
• Working with pod members to rapidly develop an idea from a product vision board into a functional prototype
• Investigating the potential of emerging and enabling technologies (e.g. gen AI big data platform features)
• Refining presentation skills by pitching sprint demos concepts and solutions to business partners and executives

You will receive one-on-one mentorship from Enterprise Innovation and TD Labs Business Analysts who will guide you through our end-to-end process and set you up for success. You will work on multiple projects throughout the term and be exposed to the latest in modern tools and technologies. You will have the opportunity to act like an intrapreneur bringing impactful ideas to life while taking on challenging business and project tasks. You can read about our co-op experience from one of our former co-op employees here: you are a self-starter this job is for you!

JOB REQUIREMENTS

Key skills and assets include:

• Must be enrolled at a post-secondary institution as of the start of and during the work term
• Work independently with minimal supervision establish priorities and add value by helping drive each initiative project or team you are assigned to.
• Participate as part of a pod team with targeted deliverables working on initiatives designed to improve processes systems and applications which support our key businesses.
• Develop business requirement gathering techniques to understand scope functional & non-functional relationships dependencies risks and facilitate the communication between business and technology areas
• Assume an ownership role on behalf of the customer ensuring deliverables meet end-user requirements
• Build and maintain positive working relationships by effectively communicating and sharing knowledge with your team peers in the program and your TD business partners

Additional skills include being:

• Creative innovative and demonstrates a high degree of research skills someone who actively consumes significant amounts of content from multiple sources finds corroborating sources dissects important details and filters out misinformation and applies what they find to their work
• Stimulated by the digital world with a demonstrated interest in leading-edge digital technologies and trends that support product strategy and development
• A conceptual thinker with proven analytical and problem-solving skills ready to take on challenges
• On track to complete an undergraduate degree in Business Administration Business Technology Management Computer Science Engineering Math or Technology Sciences
• Excellent in verbal & written communication with an ability to work effectively in a team environment
• Able to develop good business relationships with customers business partners and stakeholders
• Storytelling and communications would be a great asset
• Steph for TD Invent

ADDITIONAL INFORMATION

• This position is a 4-month work term and will commence January 2026. Please indicate if your academic program does not align to this timeframe in your resume or cover letter. Flexibility in the length of term can be discussed with top candidates.
• Applications must include a transcript cover letter and a resume (maximum of 2 pages).
• MANDATORY: In your cover letter please answer the following question: What is the most disruptive FinTech in North America and why
• We welcome all applications; however we will only contact qualified candidates chosen for an interview. Thank you for your interest.
• TD is committed to providing you with the best candidate experience and internship. As such work location and start dates are subject to change.

TEAM CULTURE

One of the things that the TD Enterprise Innovation team prides ourselves in is our team culture. Its not uncommon to see kiddos or pets pop into video calls or for a team member to take a meeting while walking their the warmer months theres usually a few of us outside for meetings. We have a weekly Fundatory Friday event where we play games together. Theres at least one messaging channel dedicated to pictures of pets and babies. We celebrate how terrible we are at March Madness Brackets.

LOCATION

Physically centered in either Kitchener or Toronto. Our teams are currently operating in a Flexible Hybrid model with the expectation that employees are present in either our Kitchener or Toronto offices a minimum of four days per requires employees to reside in the country where the role is located irrespective of working arrangements.

HOURS

Monday-Friday standard business hours

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.

ACCOMODATION

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!

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):