US Graduate Leadership Program, Payments

About the Role

The Management Associate, US Graduate Program is a 2-year direct to impact development program designed to accelerate potential and place individuals at the center of a real-world transformational challenge. This role provides specialized analytics, insights, research, and execution on projects and special initiatives. It involves demonstrating and developing day-to-day leadership with meaningful contributions to the overall strategy within a functional area. The role may involve direct/indirect interaction with partners and clients. The program aims to attract, develop, and retain top talent within TD, with support for colleagues into their next role after successful completion.

Key Responsibilities

• Completes business objectives set with leadership.
• Develops detailed, accurate, and timely research and reporting supported by insightful commentary.
• Conducts internal and external research projects and supports the development/delivery of presentations and communications.
• Conducts meaningful analysis at the functional or broader organizational level, using results to draw conclusions, make recommendations, and assess the effectiveness of programs, policies, or practices.
• Identifies and implements process improvements to automate, streamline, and increase analysis and decisions.
• Represents the business on cross-functional/cross-product working groups, projects, and forums.
• Works with key business partners on strategic initiatives.
• Liaises between internal stakeholders and external advisors, where appropriate.
• Manages and prioritizes multiple projects with discretion and confidentiality.
• Advises and presents to senior management and influences decisions.
• Invests in personal development and growth.
• May be customer/client facing and required to provide solutions for escalated inquiries or concerns.
• Adheres to organizational frameworks or methodologies.
• Ensures programs, policies, and practices are well managed, meet business needs/priorities, and comply with internal/external requirements.
• Exercises discretion in managing correspondence, information, and confidentiality; escalates issues where appropriate.
• Ensures business operations comply with applicable internal and external requirements.
• Protects the interests of the organization by identifying and managing risks and escalating non-standard, high-risk activities.
• Participates in cross-functional/enterprise initiatives as a subject matter expert to help identify risks and provide guidance.
• Monitors service, productivity, and assesses efficiency levels within own function and implements continuous process/performance improvements.
• Leads, facilitates, and/or implements actions/remediation plans to address performance/risk/governance issues.
• Manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with organizational and/or regulatory requirements.
• Stays abreast of emerging issues/trends and the evolving regulatory climate, and assesses potential impacts.
• Maintains a culture of risk management and control, supported by effective processes.
• Participates fully as a member of the team, supporting a positive work environment that promotes service, innovation, and teamwork.
• Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business unit.
• Remains current on trends and grows knowledge of the business, related tools, technology, and techniques.
• Demonstrates curiosity and a growth mindset with a hunger to innovate.
• Participates in personal performance management and development activities, including cross-training.
• Keeps others informed about project status/progress and relevant information.
• Contributes to team skill/capability development through mentorship, knowledge sharing, 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.

Requirements & Tech Stack

• Graduate Degree in a related field.
• Recent (within the last 2 years) MBA graduate with a technically focused Undergraduate degree (i.e., STEM), OR Recent technically focused Master's graduate (i.e., Analytics, Innovation, Digital area, etc.) with a 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 a related field.
• 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.

Qualifications

• 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.
• Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty.
• 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 judgment and identify solutions.
• Impacts the achievement of sub-function or business line objectives.
• 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.

Physical Requirements

• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Sitting – Continuous
• 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
• Domestic Travel – Occasional
• Responding quickly to sounds – Occasional
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Squatting – Occasional
• Bending – Occasional
• Reaching forward – Occasional
• International Travel – Never
• Lifting/Carrying (over 25 lbs.) – Never
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Pushing – Never
• Pulling – Never
• Twisting – Never