Senior Manager, Enterprise Capital Management, Capital Optimization

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Hours:

Line of Business:

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.

Job Description:

Job Description / Accountabilities:
Reporting to the AVP Capital Interpretation and Optimization the Senior Manager is responsible for leading enterprise-wide capital optimization initiatives that enhance capital efficiency support disciplined balance sheet usage and improve returns on equity while remaining fully aligned with regulatory capital requirements and governance standards.

Key responsibilities include:

• Lead the identification assessment and execution of capital optimization opportunities across the organization spanning technical enhancements data and methodology improvements portfolio actions and balance sheet related activities.
• Evaluate regulatory capital calculations assumptions and methodologies embedded in pricing tools identifying opportunities to improve accuracy consistency and capital efficiency.
• Assess the capital implications of new products transactions and structures providing analysis and insights to inform business design and decision-making.
• Ensure capital optimization initiatives are supported by robust analytics and aligned with governance and reporting standards in partnership with stakeholders across the enterprise.
• Benchmark capital impacts and optimization practices against peers industry best practices and evolving regulatory expectations to support disciplined compliant and well-governed capital efficiency.
• Engage proactively with stakeholders across capital risk finance treasury and business teams to promote consistent understanding of capital impacts and support optimal balance sheet usage.
• Lead analytical assessments and scenario analysis to evaluate the capital impact of optimization initiatives trade-offs and alternative approaches.
• Monitor regulatory capital changes and developments and assess interpretive implications for capital assumptions methodologies and optimization approaches
• Maintain a strong understanding of financial markets products and strategies employed by the Bank including lending trading and structured transactions to support informed capital optimization decisions.

Department Overview

The Treasury and Balance Sheet Management (TBSM) department of TD Bank is responsible for overseeing the management of TDs consolidated non-trading market risk funds transfer pricing measurement framework funding strategies and liquidity risk and capital position.

Enterprise Capital Management (ECM) within TBSM is responsible for managing the banks capital adequacy and efficiency including the interpretation and application of regulatory capital requirements and capital optimization initiatives; capital allocation methodology; oversight on subsidiary capital management; coordinating regulatory advocacy; developing and reporting on the banks internal capital adequacy assessment process; supporting the analysis of corporate development opportunities; and forecasting and analyzing TDBGs consolidated regulatory capital requirements

Job Requirements

Qualifications / Skills / Experience:
Knowledge or experience in the following areas is considered necessary:

• Minimum 8 years of relevant experience in capital management treasury or risk management within a financial institution.
• Sound understanding of regulatory capital frameworks including OSFI Capital Adequacy Requirements (CAR) and how capital rules translate into RWA leverage and capital consumption impacts across product and transactions.
• Demonstrated experience leading or materially contributing to capital optimization balance sheet management or RWA efficiency initiatives.
• Strong analytical and problem-solving skills with experience performing capital impact analysis scenario assessments and trade-off evaluations.
• Solid understanding of financial products and markets with exposure to lending trading securitization or structured transactions considered an asset.
• Proven ability to work across functions and influence senior stakeholders ensuring business activities and decisions are aligned with regulatory capital requirements and governance standards.
• Experience engaging with regulators auditors or senior internal governance bodies on complex matters.
• Strong digital and analytical literacy including the ability to work effectively with modern analytical tools automation and AI-enabled insights to support governance interpretation and decision-making.
• Highly effective written and verbal communication skills with the ability to synthesize complex regulatory topics for senior audiences.
• Well-developed interpersonal organizational and negotiation skills.
• Ability to plan manage and prioritize multiple responsibilities while meeting tight deadlines

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 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):