Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Enterprise Enabling Functions

Pay Details:

81,600 - 115,200 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 Senior Business Architecture Analyst – Payments is responsible for shaping and maintaining the end-to-end payments business architecture to support strategic, regulatory, and modernization initiatives. This role collaborates with Product, Operations, Risk, Compliance, and Technology teams to translate payments strategy into actionable requirements and architecture artifacts, ensuring solutions are aligned, scalable, and compliant.

We are seeking a senior business architecture analyst to:

Work in close partnership with our strategy team, delivery, and internal businesses to translate the business strategy into pragmatic designs feeding into or aligned to the target operating model for Payments.

Define and maintain end-to-end payments business architecture including value streams, capabilities, and customer journeys.

Perform broad research and analysis leading to translating business strategies into capabilities and key areas of focus.

Support building the target state while addressing gaps and pain points identified.  

Identify and model current-state capabilities and pain points across product, operations, risk, and technology teams.

Liaise with internal & external partners to build the business case and define the rollout plan for capability or operating model development and success metrics while handling related issues within the portfolio.

Identify operational efficiencies and enhancements to optimize process and standards.

Assess regulatory, risk, and compliance impacts across payment flows and recommend controls.

Contribute to the discovery and development of new products and solutions ensuring successful executions.

Support the change & adoption process, by researching impacts of an initiative on an individual business, the needs/ requirements/ priorities, and options

Take ownership of assigned tasks; provide regular status updates, escalate key issues appropriately, and propose solutions and remediation plans.

Engage cross-functional partners (Product, Operations, Risk, Compliance, Technology) to ensure alignment and governance.

Assess emerging market trends (open banking, ISO 20022, embedded payments, fraud controls) and translate into business impacts.

Manage the ongoing sustainment model for the capabilities, tools, templates owned.

Promote an awareness of the strategy enablement/business architecture role to establish strong relationships to meet our objective.

Strengthen and enable the adoption of practice through collaboration.

 Technical Competencies:

Create business architecture artifacts such as capability maps, process models, and value stream diagrams.

Align business capabilities with target-state payment systems, integrations, and ISO 20022 data structures.

Map integrations between upstream systems (digital channels etc.) and downstream systems (GL, AML, fraud engines).

Support system and data analysis for payment routing, clearing, settlement, and exception handling.

Collaborate with technology teams to ensure solution designs meet business intent.

Provide documentation, business rules, and support for testing and implementation.

Job Requirements:

5–8 years of experience in financial services with a focus on payments or transaction banking.

Comfortable to operate in an ambiguous environment while maintaining a strategic mindset to drive results to meet our vision and mandates.

Good understanding of end-to-end payment lifecycles, payment rails, and operating models.

Familiarity with industry initiatives such as ISO 20022, open banking, real-time payments, and fraud controls.

Strong sense of accountability and self-motivation to work and perform in an unstructured and intellectually demanding environment

Understanding of the BIAN, Business Architecture, and Agile practices and methodologies

Min. 5 years with solid experience in MS Office suite of application, particularly PowerPoint and excel and project management tools (Confluence, Jira etc.).

Banking or financial institution experience is advantageous

Ability to influence and negotiate with partners to reach a desired outcome.

Excellent communication skills.

Ability to cope with changing priorities.

Inspires a positive work environment to help champion quality, innovation and teamwork.

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 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 95,000 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:
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.

If you’re 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.  

We're 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 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