Role Type:
Internship/Co-op
Work Term:
Summer/Term 3
Work Location:
Toronto, Ontario, Canada
Hours:
37.5
Pay Details:
$44,000 - $44,000 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.
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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:
Co-op and Internship opportunities allow you to gain valuable work experience across multiple businesses at TD. You will work with experienced colleagues, receive world class training, and be part of a community of students across TD, where you will have an impact, grow as individual and experience our culture of care.
Our Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features:
- Leadership talks with key Leaders from across the organization
- Connect and Learns on topics such as Innovation
- Diversity and Inclusion and Personal Branding and so much more
DEPARTMENT OVERVIEW
Canadian Personal Banking (CPB) provides a comprehensive suite of deposit, saving, payment and lending products and advice through a network of 1,062 branches, 3,438 automated teller machines (ATM), mobile specialized salesforce, and telephone, mobile and internet banking services. CPB is comprised of the following line of businesses:
- Real Estate Secured Lending (RESL) & Specialized Sales Force (SSF) help Canadians achieve their homeownership financial goals throughout the entire customer journey with Mortgages and TD Home Equity FlexLines.
- Canadian Card Payments, Loyalty & Personal Lending (CCPL&PL) is responsible for Credit Card and Personal Lending Banking Products that meet the unsecured borrowing needs of Canadians while enhancing TD's loyalty offerings and partnerships that improve the value propositions for our customers.
- Everyday Savings & Investing (ES&I) is responsible for the day-to-day banking products (Chequing domestic and cross-border banking, Overdraft Protection, Savings, GICs and Mutual Fund products) that meet the everyday banking savings and investing needs of Canadians
- Branch Banking Delivery Excellence (BBDE) is responsible for building customer and colleague confidence by supporting approximately 18,000 Branch Banking colleagues in TD's more than 1,100 branches across Canada.
- CPB Operations focuses on enhancing and enriching how TD supports its customers by delivering specialized credit advice, underwriting, and fulfillment of key processes for Personal Banking.
- Strategy & Enablement (S&E) is focused on building and executing innovative strategies for CPB partners that lead to new and deeper customer relationships, new revenue streams, improved colleague and customer experience, and greater productivity overall.
- Business Management & Governance (BMG) team is responsible for enabling the Business to identify and understand the risks it faces and support the Business to manage its risks appropriately in alignment with the Bank's strategy and risk appetite.
- Digital Transformation & Strategy focuses on driving CPB's digital strategy in partnership with our business leaders, journey owners and enterprise stakeholders, including Platforms and Technology and Transformation, Enablement and Customer Experience.
JOB DESCRIPTION
The co-op/intern will join Real Estate Secured Lending (RESL) line of business and will support any of the following business groups
Business Group
1. RESL Policy, Governance, and Controls - Issues Management
- Support issues reporting and development of best practices for fixing / remediating issues
- Develop best practices and onboarding documentation, partnering with Homeownership Journey and other key stakeholders in the remediation process
- Consolidate and host regular team meetings, with updates on best practices and key topics for the team
- Develop an understanding of regulatory risk, as well as ensuring that any remediation efforts optimize customer/colleague experience
2. RESL Product - Forms Management
- Learn how to operate in an AGILE team model
- Participate in ongoing projects aiming to enhance maintenance of RESL forms through our portal.
- Support with day-to-day activities and Forms Library maintenance
3. RESL - Homeownership Journey (HOJ) Shopping
- Opportunity to work on targeted programs for RESL, work on leading data driven analysis/strategies assisting PO in making an informed decision.
- Support with the day-to-day management of key leads programs with reporting, business requirement, and faster execution of key HOJ features / tactics / strategies.
4. Pricing Analysis & Rate Exceptions
- Supporting pricing analysis, rate exception decisioning and channel engagement activities
- Support enhancement of RESL Mystery Shop Program
- Support the development of training material for new products / processes
- Maintain awareness of and adhere to regulatory, competitive and industry guidelines and innovation, to obtain market insights, assess gaps and support implementation of solutions
Main Responsibilities
- Deliver on day-to-day product management responsibilities, including daily/weekly/monthly/quarterly reporting, P&L analysis, and products review
- Proactively engage and partner with management and stakeholders to support the design and delivery of RESL's products vision, new features/initiatives, conversion strategies, and business objectives
- Monitor performance of customer facing tactics and provide insights on results
- Conduct competitive analysis, provide market research on analytics / metrics / insights, and recommend strategies to enhance the customer or end user product experience
- Support risk strategies for RESL account management tactics - including initiative development and execution
- Maintain awareness of and adhere to regulatory, competitive and industry guidelines and innovation, to obtain market insights, assess gaps and support implementation of solutions, products' policies and procedures review and updates
Skills / experience
- Self-starter, independent, proactive, and committed to high standards of excellence and ownership
- Ability to work and interpret financial metrics and results
- Analysis of large amount of data using advanced Excel skills to support conclusions
- Excellent problem-solving skills and strategic thinking
- Superior communication (written and verbal) and presentation skills (PowerPoint)
- Ability to learn and apply business knowledge to execute different projects
- Collaborate and negotiate solutions with a variety of stakeholders
- Adapt and thrive in a dynamic and fast-paced environment
JOB REQUIREMENTS
- Currently enrolled in 3rd - 4th year of an undergraduate degree OR master's degree in of Engineering, Operations, Innovation & Technology, Business / Commerce, Risk, Finance, Economics, Mathematics, Engineering, or related field
- Must be enrolled in an undergraduate / master's degree with the intent of going back to school at the start of your work term
ADDITIONAL INFORMATION
Please note that this is a general posting. If you are selected for an interview, more information regarding which business group and the specific job duties will be provided.
- This position is a 4-month work term and will commence May 5th - August 29th, 2025.
- Applications must include a transcript, cover letter (one letter-sized page or less) and a resume (maximum of 2 pages).
- We welcome all applications; however, we will only contact qualified candidates chosen for an interview. Thank you for your interest.
- TD requires employees to reside in the country where the role is located, irrespective of remote working arrangements
- TD is committed to providing you with the best candidate experience and internship in these unique circumstances. As such, work location and start dates are subject to change.
HOURS
Monday-Friday, standard business hours
INCLUSIVENESS
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected, and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
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