Head of US Bankcard (US)

Work Location:

Hours:

Pay Details:

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.

Line of Business:

Job Description:

The Head of US Bankcard has accountability for TD branded credit card products (consumer small business and corporate) ensuring product offerings maximize contribution to TD profitability complement the retail suite of products meet evolving customer needs and contribute to building TDs customer base. The role is responsible to optimize the direct credit card model resulting in increasing customer acquisitions to TD.

Depth & Scope:

• Provides people management leadership by hiring the best talent setting goals developing staff managing employee performance and compensation decisions promoting teamwork and handling any/all disciplinary actions as required
• Responsible for the management of TD branded credit card products including product strategies pricing and P&L
• Supports the growth and development of the portfolio by identifying strategic opportunities evaluating potential business initiatives developing business plans and supporting execution of key strategic initiatives. This includes achievement of targets laid out in TDs 2025 investor day targeting an increase in card penetration of the deposit customer base and growth in the loan portfolio and revenue base
• Develops and implements plans and strategies to ensure achievement of market share and revenue/profitability objectives for the business maximizing customer experience while ensuring compliance with all relevant regulatory standards and guidelines
• Develops unique points of product differentiation and consumer value as stand alone products and part of the broader TD product suite
• Generation of new accounts through direct marketing and multi-channel distribution to include direct mail on-line mobile event etc.
• Develops a robust marketing channel innovation program together with marketing organization
• Builds a robust analytic marketing optimization model and capability to deliver annual new account goals and return on marketing investment including overseeing the methodology and processes around modeling and predictive tools to support managing new account acquisitions segmentation portfolio management and new product development
• Develops and implements a sustainable process for new product evaluation / development that considers all external and internal inputs (customer insights market insights competitive intelligence risk profitability etc.)
• Develops and maintains effective relationships and partnerships internally and externally to support the achievement of business objectives
• Works closely with risk organization on all aspects of acquisition marketing Lead compliance and 1st line of defense for Card acquisition Identify mitigate and report on risk issues per Bank policy and guidelines
• Ensures that business operations are in compliance with applicable internal and external requirements (ie. Financial controls segregation of duties transaction approvals and physical control of assets) and that appropriate escalation processes are followed
• Oversees strategies to attract motivates and retains a highly qualified human resource base to achieve business objectives
  

Education & Experience:

• 4-year degree or the equivalent combination of education and work experience required. MBA preferred
• 10 years of experience in progressively more responsible roles within credit card organizations including P&L management
• Strategic thinker and planner with progressively responsible experience in credit card product management marketing and acquisitions
• Proven knowledge of credit card industry practices regulations products and services including full range of activities from customer acquisition to program set-up and ongoing administration
• Strong understanding of direct multi-channel marketing concepts
• Advanced leadership skills with senior executive experience heading major portion of division business
• Comprehensive knowledge of division financials
• Proven effectiveness in consulting on operational problems and implementing workable solutions
• In-depth understanding of technologys role in the business
• Advanced level negotiation and influencing skills
• Strong communication and presentation skills
• Understands and supports the Banks Customer Service Strategy
• Considers the impact of advice and decisions on the well-being of the Bank as well as its customers its employees and stakeholders
• Provides the highest level of Customer service when dealing with internal partners vendors or our Customers - WOW at every opportunity
• Leads coaches and models quality service delivery at every interaction
• Supports the ongoing improvement of the partner/Customer experience

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Occasional
• Bending Occasional
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading writing and comprehending instructions Continuous
• Adding subtracting multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 base salary and variable compensation/incentive awards (e.g. eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and several other key plans such as health and well-being benefits savings and retirement programs paid time off (including Vacation PTO Flex PTO and Holiday PTO) banking benefits and discounts career development and reward and recognition. 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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.