Product Consultant, Deposits and Payments Winter 2026 Co-op

Were building a relationship-oriented bank for the modern world. We need talented passionate professionals who are dedicated to doing whats right for our clients.

At CIBC we embrace your strengths and your ambitions so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC please visit

What youll be doing

CIBCs Deposits Business team has ownership of a wide range of products within Personal and Business Banking including GICs Everyday Savings Everyday Banking and Payments with a focus on Client Acquisition Enablement and Success. Our mandate includes end to end oversight of product development business development campaign implementation client relationship management and managing the P/L.

As a Product Consultant Co-op you will have the unique opportunity to contribute to our dynamic teams efforts in the fast-paced world of deposit products. This position offers exposure to various aspects of the personal deposits industry including campaign development product management reporting and innovation. You will play a vital role in supporting our teams mission to optimize payment processes enhance industry relationships and drive operational excellence.

At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview.

Important information

• You must be currently enrolled in post-graduate (MBA) education to be eligible however you do not need to be in a registered Co-op program to be considered for this role. Accounting Finance Business Economics major is an asset but not required.

• Recruitment timeline: Applications review September/October; Interviews October; Offers October/November.

• Please include your resume (no more than 2 pages) a cover letter (no more than 1 page)and your most recent unofficial transcript with your application. These should all be uploaded into the Resume section of the application as one document.

• Work Location: Toronto ON. Please note all employees must work within their current jurisdiction and must reside within Canada. All CIBC Co-op positions require you to be based in Canada for the duration of the term.

• Duration of term:4 months (January 2026 April 2026).

• We may ask you to complete an attribute-based assessment and other skills tests (such as simulation coding French proficiency MS Office). Our goal for the application process is to get to know more about you all that you have to offer and give you the opportunity to learn more about us.

• Please note we have multiple positions available under this posting and you may be considered by more than one hiring team.

How youll succeed

• Reporting - Assist in the preparation of reports and presentations for senior management providing updates on team activities and industry insights.

• Industry Research - Conduct research on payment industry trends benchmarks and emerging technologies to provide insights and recommendations. Perform deep dives with regards to penetration attrition priority segments performance and areas of opportunity.

• Innovation Initiatives - Collaborate with team members on innovation projects helping to implement new solutions and technologies.

• Performance Monitoring - Assist with product launches and monitor campaign performance review existing portfolios and provide recommendations for optimization.

• Problem solving - You take initiative to develop creative solutions. You engage with team members and business partners to achieve common goals. You are able to work with business stakeholders to gather requirements and develop a deeper understanding of the banks processes.

• Strong Communication skills - You have well developed interpersonal skills. You are able to take complex concepts and present them in easy to understand written and graphical formats utilizing spreadsheets presentation software and web tools. You present your insights translating them into meaningful observations for varying audience types. You have strong verbal and presentation skills.

• Adaptive - You are able to work independently with guidance from management and also in a dynamic team environment.

• Cross Collaboration - You engage with team members and business partners to achieve common goals. You are able to work with business stakeholders to gather requirements and develop a deeper understanding of the banks processes.

Who you are

• You embrace and champion change. Youll continuously evolve your thinking and the way you work in order to deliver your best

• You act like an owner. You thrive when youre empowered to take the lead go above and beyond and deliver results

• You can demonstrate experience in analytics. Its an asset if you have experience Analytics storyboarding and/or executive level communications.

• Youre driven by collective success. You know that collaboration can transform a good idea into a great one. You understand the power of an inclusive team that enjoys working together to bring a shared vision to life

• You give meaning to data. You enjoy investigating complex problems and making sense of information. Youre confident in your ability to communicate detailed information in an impactful way

• Youre passionate about people. You find meaning in relationships and surround yourself with a diverse network of partners. You build trust through respect and authenticity

What CIBC Offers

At CIBC your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential.

• We work to recognize you in meaningful personalized ways including a competitive compensation a banking benefit* wellbeing support and additional offers such as employee and family assistance programs and MomentMakers our social points-based recognition program.

• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

*Subject to program terms and conditions

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation please contact

• You need to be legally eligible to work at the location(s) specified above and where applicable must have a valid work or study permit

• We may ask you to complete an attribute-based assessment and other skills tests (such as simulation coding French proficiency MS Office). Our goal for the application process is to get to know more about you all that you have to offer and give you the opportunity to learn more about us.

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