US Graduate Leadership Program- Payments

Work Location:

Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: 170,000$140,000 - 170,000$160,000 USDUSD 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.

Line of Business:

TD General

Job Description:

The Management Associate, US Graduate Program is a 2-year direct to impact development program that will accelerate your potential and place you at the center of a real-world transformational challenge, aimed at bettering the lives of the customers, colleagues, and communities we serve. This role provides specialized analytics, insights and research and/or execution on projects and special initiatives. This role demonstrates and develops day-to-day leadership with meaningful contributions to the overall strategy within functional area. This role may interact directly / indirectly with partners and clients as required. This program is designed to attract, develop, and retain top talent within TD. After successful completion of this program, colleagues will be supported into their next role at TD.

Depth & Scope:

Requires substantial knowledge / expertise in a complex field and knowledge of broader related areas Integrates knowledge of the organization's sub-functions or business line's overarching strategy in developing solutions across multiple functions or operations Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services Acts as a technical expert / lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialists Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity Independently manages end-to-end functional programs Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions Uses sophisticated analytical thought to exercise judgement and identify solutions Impacts the achievement of sub-function or business line objectives within the area they are accountable for Work is guided by policies and industry standards/methods Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders Works autonomously as the lead and guides others within area of expertise.

Education & Experience:

Graduate Degree in related field Recent (within the last 2 years) MBA graduate with technically focused Undergraduate degree (i.e., STEM), OR Recent technically focused Master's graduate (i.e., Analytics, Innovation, Digital area, etc.) with business Undergraduate degree Current graduate student with studies in Marketing, Digital Marketing, Business, Data Science, Computer Science, Analytics or related fields preferred. 3+ years of relevant professional experience Pursuing a Graduate Degree in related field

Customer Accountabilities:

Completes business objectives set together with leadership as outlined at the start of the program Develops detailed, accurate, and timely research and reporting supported by insightful commentary Conducts internal and external research projects; support the development / delivery of presentations / communications to management or broader audience Conducts meaningful analysis at the functional or broader organizational level using results to draw conclusions, make recommendations, assess the effectiveness of programs / policies / practices Identifies/implements process improvements to automate, streamline, and increase analysis and decisions Represents business on cross-functional/cross-product working groups, projects, and forums Works with key business partners on strategic initiatives Liaisons between internal stakeholders and external advisors, where appropriate Manages and prioritizes multiple projects, working with discretion and confidentiality Advises and presents senior management and influence decisions Invests in personal development and growth May be customer/client facing, and may be required to provide solutions for escalated inquiries or concerns

Shareholder Accountabilities:

Adheres to organizational frameworks or methodologies that relate to activities for our business area Ensures respective programs / policies / practices are well managed, meets business needs / priorities, and complies with internal/external requirements Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high risk activities as necessary Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations Monitors service, productivity and assesses efficiency levels within own function and implement continuous process/performance improvements Leads / facilitates and/or implement actions / remediation plans to address performance / risk / governance issues Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with organizational and/or regulatory requirements Keeps abreast of emerging issues / trends and evolving regulatory climate, and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

Participates fully as a member of the team, support a positive work environment that promotes service to the business, innovation, and teamwork and ensure timely communication of issues / points of interest Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit Remains current on trends, and grow knowledge of the business, related tools, technology and techniques Committed to curiosity and a growth mindset and a hunger to innovate with purpose Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up to date about the status / progress of projects and /or all relevant or useful information related to day-to-day activities Contributes to team development of skills / capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices Leads, motivates and develops relationships with internal and external business partners / stakeholders Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, internally and externally

Preferred Qualifications:

Bachelor's degree in Business Administration, Engineering, Computer Science, Economics, Finance, or a related field; an advanced degree, such as an MBA or master's degree. Experience developing and executing initiatives in product management, strategy, innovation, consulting, payments, fintech, treasury, wealth management, or digital transformation. Experience collaborating with diverse stakeholders across business, technology, operations, risk, legal, compliance, and executive leadership, while building partnerships and influencing outcomes without direct authority in large, complex organizations. Curiosity about emerging capabilities such as artificial intelligence, tokenization, digital assets, real-time payments, and digital servicing platforms.

Physical Requirements:

• Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
• Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous

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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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. 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:

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. 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