**Work Location:** Toronto, Ontario, Canada **Hours:** 37.5 **Line of Business:** Product Management **Pay Details:** $91,200 - $136,800 CAD This role is eligible for a discretionary variable compensation award that considers business and individual performance. 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 candidate's 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:** The Strategy & Innovation Team within TD Enterprise Payments is responsible for critically assessing emerging threats and opportunities the Bank faces in the Payments ecosystem. The team develops both tactical and strategic responses to these threats and opportunities through a combination of critical analysis, business development including product creation and partnerships, industry advocacy and internal stakeholder alignment across the Bank. The team is additionally responsible for testing new payment capabilities for the Bank, influencing on-going product roadmaps of our partners, and where appropriate developing the requisite intellectual property, products, and/or governance to create the runway for the Bank to execute against a vision of industry leadership for payment capabilities. Reporting to the VP Enterprise Payments Strategy & Innovation, the successful candidate will play a critical role in supporting the Strategy & Innovation team identity, assess and recommend a course of action to respond to threats and opportunities the Bank faces. The primary responsibilities of the Payments Strategist include, but are not limited to, the following: + Identifying emerging topics, novel technologies, or meaningful competitor actions which require a consideration for further exploration with a particular focus on commercial applications for the Bank to explore. + Synthesize competitor actions and payments trends for product owner and/or executive awareness. + Develop and maintain forecasts for expected payment volume migrations across payments products to inform future-proofing exercises for the Bank. + Executing the end-to-end research cycle to establish a fact-base for the considered topic including but not limited to compiling and synthesizing insights based on relevant publicly available information, the use of internal data, discussions with team members/internal subject matter experts and when appropriate consulting with industry stakeholders and external vendors. + Co-developing strategic recommendations and/or tactical responses (exercising judgment and critical thought, options analysis, developing supporting arguments, identifying what needs to be true to execute, and proposed next steps to execute) with the support of the executives as appropriate. + Assist the executive in the execution of new technology explorations / proofs of concepts including but not limited to engaging with external vendors, coordinating with internal technology teams, and defining an action plan for completion / target outcomes. + Support the development of novel payment concepts and capabilities to establish intellectual property via patents, and/or subject matter expertise for the Bank. Represent payments thought leadership across the organization and externally to stakeholders by presenting our strategic and/or tactical viewpoints, communicating results and outcomes of our technology explorations, or representing TD at conferences / external engagements. Job requirements: + Undergraduate degree in Science, Business/Commerce/Finance, or Engineering + A successful candidate should have the displayed ability to critically assess new topics, display judgement in ambiguity and embrace a dynamic environment. + Prior experience in digital, payments or emerging business models is not required for this role but is preferred. + 3-5 years of work experience in a related field. **Who We Are:** TD is one of the world's 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 95,000 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 you’ve 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, we’re 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 (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td) **Additional Information:** We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re 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 you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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 we’re committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. **Interview Process** We’ll 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 you’d 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):** Sans Objet Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.