Product Owner I - Cash Management Services

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Enterprise Enabling Functions Pay Details: $96,900 - $136,800 CAD 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 Run My Business (RMB) Journey has embarked on an exciting series of initiatives to design and build our new online platform for TD business clients - TD Business Central (TDBC). Reporting to the Senior Manager Commercial Deposits and Cash Management Services (CMS), the Product Owner will be a member of the team that focuses on helping business clients from local to multinational, move money simply, securely and seamlessly, allowing them to maximize cash flow and focus on growing their businesses. The Product Owner's accountabilities will focus specifically on a suite of money-movement products used by Commercial and Corporate clients, with an emphasis on modern payment innovation, embedded banking capabilities, and solutions designed to meet the needs of clients with robust, complex requirements. Job Responsibilities: Support the design and evolution of payment solutions for larger, more sophisticated clients, including bulk payables, Bulk EMT and embedded banking solutions, ensuring alignment to client operating models and scale requirements. Shape the product roadmap by assessing payment trends, competitor offerings, client use cases, and feature opportunities that support revenue growth. Represent the voice of the customer in the design of intuitive, efficient digital payment experiences. Serve as a subject matter expert representing Commercial Banking in payment rails and capabilities planning, including ACH, EFT, wires, ISO 20022, host-to-host integrations, and embedded banking. Design and optimize end-to-end money movement workflows, including controls, exception handling, and modernization of digital-first solutions. Collaborate with internal stakeholders and sales teams to streamline operational processes, maintain payment file layouts and end-to-end process maps, and support day-to-day product inquiries and enhancements. Develop client- and sales-facing materials, including training content, product overviews, procedures, FAQs, proposal materials, and required legal or control documentation. Manage control partner engagement and vendor relationships, including approvals, contract updates, invoice review, SLA oversight, and regular governance routines. Partner with internal and external stakeholders to forecast and report on product growth and performance, and define volume and pricing requirements to optimize the P&L. Job Requirements: Strong knowledge of Business Banking processes, products/ services and clients, ideally with previous experience cash management services experience. Thought leadership and industry knowledge in cash management services, payments modernization, and emerging payment innovations. Exposure to SWIFT, ISO 20022, real-time payments (RTR/Faster Payments) Strong understanding of the needs of larger, more sophisticated commercial clients. Ability to work independently with limited guidance; take ownership of deliverables; navigate ambiguity. Ability to analyze, organize and prioritize work while meeting multiple deadlines. Experience with agile methodologies preferred. Ability to communicate effectively with both business and technology stakeholders in both verbal and written form. Ability to work collaboratively and build relationships across teams and functions. Ability to work with Microsoft Word, Excel, and PowerPoint Leverage Microsoft Copilot (across Word, Excel, PowerPoint, Outlook, and Teams) to improve efficiency, automate tasks, and generate insights. Successful candidate will need to meet Business Banking return to office standards. Undergraduate degree with 10+ years of relevant experience 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 US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific