Treasury Manager, Liquidity Regulatory Compliance & Advisory

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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:

Department Overview

The Treasury and Balance Sheet Management (TBSM) department of TD Bank is responsible for overseeing the management of TD Banks non-trading market risk liquidity risk and capital position.

The Enterprise Liquidity Management team within TBSM ensures the Bank maintains sufficient cash investments and funding to operate effectively during both normal and stressed conditions. The team identifies measures and forecasts liquidity needs and risks ensures costs and drivers are well understood and takes actions to maintain a strong risk profile. The team works with partners across the Bank to manage liquidity risk and to ensure that liquidity regulatory reporting is accurate and in compliance with regulatory expectations.

Job Description

The Treasury Manager on the Liquidity Regulatory Compliance & Advisory (LRCA) team plays a key role in ensuring TDs compliance with OSFI liquidity regulations and advising on the interpretation and application of regulatory requirements across the Bank. The role focuses on regulatory compliance assessments interpretation of guidance advice on appropriate regulatory treatment for new business or products and support for strategic enhancements to liquidity regulatory reporting.

This role is uniquely positioned to have an enterprise-wide perspective across all business segments for liquidity reporting including Canadian Retail U.S. Retail and Wholesale Banking. The LRCA team also collaborates closely with a large number of stakeholders including other Liquidity Management teams Liquidity Risk Analytics & Reporting Technology and the second line of defence (Risk Management).

This role is well-suited to someone who enjoys working with complex regulatory guidance has strong critical-thinking skills and is comfortable producing detailed formal written documentation. A significant portion of the role involves reading and interpreting regulatory requirements assessing regulatory intent and applicability documenting rationale and judgments and supporting effective internal review and addition to core compliance activities the role also offers opportunities to support ad hoc analysis and strategic initiatives related to liquidity management as well as preparing materials and presentations for an executive audience.

Key accountabilities include:

• Perform ongoing compliance assessments to ensure adherence with liquidity regulatory requirements including OSFIs Liquidity Adequacy Requirements (LAR) and Guideline B-6 (Liquidity Risk Management Principles).

• Develop and maintain an in-depth understanding of liquidity regulations TDs businesses and products reporting processes and liquidity risk management frameworks and policies.

• Assess regulatory compliance across business activities and reporting segments exercising sound judgment and critical thinking to form defensible conclusions.

• Collaborate and build strong working relationships with other Liquidity Management teams across Canadian Retail U.S. Retail and Wholesale Banking as well as Liquidity Risk Analytics & Reporting Technology and the second line of defence (Risk Management).

• Participate in or lead working group meetings to understand the liquidity reporting processes assess any changes required and identify any potential compliance gaps.

• Maintain clear detailed and audit-ready documentation of compliance assessments regulatory interpretations identified findings and remediation plans.

• Act as a risk owner by submitting compliance assessments to the second line of defence responding to review and challenge and supporting effective review and challenge of the first line assessments.

• Act as a risk owner within the Enterprise Regulatory Compliance Management (RCM) program to ensure Liquidity meets all program requirements in a timely manner.

• Serve as a subject matter expert on liquidity regulatory requirements and apply knowledge and critical-thinking skills to provide advice on regulatory interpretation treatment of new business or products and remediation approach for identified issues.

• Support strategic enhancements to liquidity reporting and measurement by reviewing business requirements for new system build (e.g. Project LEAP) and developing new liquidity measurements or methodologies (e.g. EWI revamp or enhanced collateral measurement framework).

• Provide ad hoc analytical or advisory support to the VP of Liquidity Management or the broader Enterprise Liquidity Management team as required.

• Provide ad-hoc support to the VP or the wider Enterprise Liquidity Management as required.

Job Requirements

• Relevant experience in Treasury Liquidity Risk Management Risk Management and/or Regulatory Compliance; direct experience with regulatory compliance activities would be an asset.

• Demonstrated ability to read analyze and interpret complex regulatory requirements including assessing regulatory intent identifying applicability and implications and conducting in-depth research to support well-reasoned defensible interpretations.

• Excellent written communication skills including the ability to prepare detailed compliance documentation regulatory interpretation summaries and executive-level materials that clearly demonstrate compliance with regulatory requirements or explain rationale of regulatory interpretations.

• Strong organizational and time management skills with the ability to manage multiple deliverables investigations and open action items while maintaining well-structured documentation.

• Strong interpersonal and stakeholder management skills to maintain effective working relationships with key stakeholders across various teams involved in Liquidity Management Liquidity Reporting Technology and Risk Management.

• Strong analytical and problem-solving skills including comfort working with large datasets reconciliations investigations and open-ended judgment-based questions.

• Advanced Excel skills are required to comfortably manipulate and work with large data sets; knowledge of SQL or Python would be an asset.

Education & Experience Requirements:

• Minimum 5 years of experience in finance-related fields such as bank treasury risk management regulatory compliance or capital markets; familiarity with liquidity regulations (LCR NCCF NSFR) is strongly preferred.

• Undergraduate degree in Business Finance Economics Mathematics Accounting Risk Management or a related field.

• Post-graduate education or professional designations (e.g. CFA) would be an asset.

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 strive to make every interaction product and experience remarkably human and refreshingly simple for 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 foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

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.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

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):