Counsel - Corporate Banking Products and Services

Work Location

Mount Laurel, New Jersey, United States of America

Hours

40

Pay Details

$140,000 - $231,000 USD

Line of Business

Legal

Department Overview

The Corporate Products and Services (CP&S) Legal Team supports the Commercial Banking organization, covering deposits, payments and cards, treasury management, merchant services, and digital platforms for small business, commercial and government customers. Our small team is at the forefront of strategic initiatives to advance business transaction banking across TD. As product and business counsel, we enable business strategies while managing legal risks for both new initiatives and day‑to‑day operations. We work closely with senior leadership, product managers, relationship/sales teams, retail and operations teams, and regulatory/compliance and risk functions. Ongoing legal support includes advising on new and updated products and services, including partnerships and sourcing arrangements; aligning customer product terms; supporting customer contracting and negotiations; advising on escalated customer and regulatory issues; reviewing communications, digital content and marketing materials; and collaborating with other teams in TD Legal.

Depth & Scope

• Provides consistent and sound legal advice in a clear, concise and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client
• Identifies conflict situations and brings more senior lawyers into the decision‑making process as appropriate by identifying situations when actions that the business unit wants to take conflicts with TD's risk appetite and discusses with client how particular actions might be inconsistent
• Effectively contributes to and/or leads negotiations and conflict resolutions by gathering supportive information in preparation for the negotiation, understanding the dynamics of the process and displaying an effective combination of firmness, tact, patience and respect in dealing with all parties involved

Education & Experience

• Bachelor's degree required
• JD from accredited law school required
• 5+ years of related experience
• Admission to appropriate State Bar in good standing and licensed to practice law in the State
• Basic understanding of banking/financial services operations and issues
• Ability to simplify, problem solve, multitask and work effectively against deadlines
• Integrity and high moral standards
• Strong negotiation and conflict resolution skills
• Strong legal research and analysis skills
• Detail oriented
• Must be able to apply legal knowledge to the business
• Ability to exercise sound judgment
• Excellent oral and written communication skills
• Strong teamwork and client skills
• Highly motivated
• May supervise administrative and paralegal staff and junior attorneys

Preferred Qualifications

• Corporate/Finance transactional or regulatory legal experience in a law firm or in‑house environment
• Experience drafting and negotiating customer agreements or other legal documentation related to financial services, lending or technology products and services
• Interest and experience working in cross‑disciplinary and cross‑functional environments, including explaining and navigating legal issues with non‑legal business partners
• Familiarity with commercial banking or fintech services is a plus
• Familiarity with laws, rules, and regulations applicable to payments or banking
• Experience working in a regulated industry is a plus

Physical Requirements

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Occasional
• 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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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

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.