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 Product Owner for Wire Payments is accountable to lead the modernization and maintenance of the bank's high-value payment rails (Fedwire, SWIFT, CHIPS, Lynx). Your goal is to maximize Straight-Through Processing rates, while navigating the complexity of mandatory regulatory upgrade and cross-boarder data standards.

Operating in Agile routines, the Product Owner will align with senior management to follow a product vision, creating and maintaining a prioritized product backlog, managing delivery blockers, continuously assessing customer feedback. The Product Owner I should always be considering how to maximize value, assessing how the product or the delivery process can be continuously improved, contributes to a positive work environment and ensures that work embodies the Agile principles of transparency, collaboration and engagement.

Job Description:

• Wires Modernization – lead the migration to a new wires engine and decoupling rails into scalable, independent services, "Mainframe Monoliths" to microservices

• Backlog prioritization – manage the lifecycle of a payment feature, from initiation and validation to clearing and final settlement

• Regulatory and sanctions compliance – partner with Risk and Anti-Money Laundering teams to integrate real-time screening into payment flow without compromising latency

• Resilience and scalability – define requirements for high-availability systems capable of processing trillions of dollar in daily volume, with 99.9999% uptime

• Data lineage and reporting – ensure all payment data is captured for mandatory regulatory reporting and internal liquidity management

• Technical and domain expertise:

• Deep expertise in Fedwire, SWIFT and CHIPS

• Transitioning from legacy MT to ISO 20022 schemas

• Understanding of real-time gross settlement and net settlement cycles

• Practical application of Travel Rule requirements and Anti-Money Laundering triggers

• Experience with APIs and Cloud-native payment engines

Required Qualifications & Experience:

• Undergraduate degree and / or product certificate

• 7+ years relevant experience

• 3+ years Product Owner or Agile related delivery experience

• Expertise in Fedwire, SWIFT and CHIPS

Nice to Have:

• Data-driven intelligent payments – ISO 20022 data monetization , AI driven fraud detection, predictive liquidity analytics

• Emerging stands & future tech – such as Central Bank Digital Currency, Reatil-Time Rail

• Experience in G-SIB – navigating hybrid structure to balance waterfall style executive oversight with agile ways of working for teams

• Advanced microservice and cloud patterns – understanding service mesh, chaos engineering, event sourcing

• Certified Scrum Product Owner (CSPO) certification and project management experience considered an asset

• Scaled Agile Framework (SAFe) certifications or experience operating in scaled agile delivery considered an asset

Who We Are:

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we strive to make every interaction, product and experience remarkably human and refreshingly simple.  Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. 

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