Work Location:Toronto, Ontario, Canada
Hours:37.5
Line of Business:Personal & Commercial Banking
Pay Details:$96,900 - $136,800 CAD
This role is temporarily eligible for a pay premium above the posted salary range that is reassessed annually. You are encouraged to have an open dialogue with your recruiter who can provide more specific pay details for this role.
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:TD Innovation Partners (TDIP) is the technology and innovation banking platform within TD Bank, providing specialized banking, financing, and ecosystem solutions to venture-backed and innovation-focused companies across Canada.
The Associate Director, Relationship Management, Fintech is responsible for managing and growing a portfolio of fintech clients, specializing in the payments, embedded finance platforms, lending businesses, and other regulated or emerging financial technology companies.
As a trusted advisor, the Associate Director develops deep client relationships, delivers deposit, treasury, operational banking and credit solutions, and partners across TD to support clients as they scale. The role requires a strong understanding of financial services business models, regulatory frameworks, payments infrastructure, liquidity management, and specialized financing solutions for the fintech sector.
CUSTOMER- Manage a portfolio of fintech, payments, and other clients by providing proactive advice and delivering an exceptional client experience.
- Develop trusted relationships with founders, CEOs, CFOs, treasury leaders, operations teams, investors, and boards.
- Serve as the primary relationship owner for clients requiring sophisticated banking solutions, including operating accounts, treasury management services, payment infrastructure, liquidity management, and deposit products.
- Identify and deliver tailored banking solutions that address clients' operational, regulatory, funding, and growth objectives.
- Develop a detailed understanding of customer business models, transaction flows, regulatory obligations, settlement processes, capital structures, and funding strategies.
- Partner with Capital Solutions teams to identify and structure working capital facilities, operating lines, venture debt, warehouse facilities, and other credit opportunities, where appropriate.
- Assist fintech clients in navigating operational banking requirements associated with payments ecosystems, money movement, custody arrangements, treasury operations, and regulatory compliance.
- Develop and maintain strong relationships with investors, venture capital firms, ecosystem partners, payment networks, and industry stakeholders to deliver value-added introductions and support client growth.
SHAREHOLDER - Achieve portfolio growth objectives through acquisition and expansion of relationships within thefintech, payments, and other embedded finance sectors.
- Develop and execute industry-specific business development strategies targeting emerging and established financial technology companies.
- Grow deposit balances, treasury management revenue, credit utilization, and overall relationship profitability while maintaining a prudent risk profile.
- Monitor portfolio performance and proactively identify emerging business, regulatory, operational, liquidity, and reputational risks.
- Partner with Risk Management, Compliance, AML, Payments, Treasury Management, Investment Bank, and Capital Solutions teams to deliver sustainable client solutions.
- Maintain strong knowledge of developments affecting the fintech ecosystem, including payment modernization initiatives, open banking developments, digital asset markets, money services businesses, registered payment service providers, and evolving regulatory expectations.
- Ensure all client relationships are managed in accordance with applicable risk appetite, AML requirements, compliance standards, and governance expectations.
- Contribute to product development, strategic initiatives, and process enhancements that strengthen TD's fintech banking capabilities.
EMPLOYEE / TEAM - Serve as a fintech subject matter expert within TDIP and the broader Commercial Bank.
- Share industry knowledge and best practices related to fintech, payments, financial infrastructure, and digital assets.
- Support education initiatives across TD by helping business partners better understand emerging financial technology sectors.
- Develop productive relationships with internal partners across Payments, Treasury Management, Capital Markets, Regulatory Compliance, AML, Legal, Risk Management, Wealth, and Commercial Banking.
- Mentor Associates and support team development through coaching and knowledge sharing.
- Represent TDIP at fintech conferences, industry associations, investor events, and ecosystem forums.
- Contribute to TDIP's reputation as a leading banking partner to Canada's innovation and financial technology ecosystem.
BREADTH & DEPTH - Expert-level professional role requiring substantial relationship management, commercial banking, and fintech industry expertise.
- Deep understanding of financial technology ecosystems, payment infrastructure, operating models, capital structures, and emerging financial services trends.
- Ability to advise clients on complex banking, treasury, liquidity, operational, and financing matters.
- Interprets evolving regulatory, industry, and market developments and translates them into practical banking solutions and strategic advice.
- Independently manages a portfolio of sophisticated relationships operating in highly regulated and rapidly evolving sectors.
- Exercises sound judgment when evaluating complex operational, regulatory, and credit-related matters.
- Influences decision-making among senior executives, investors, operators, and internal stakeholders.
- Functions as a recognized industry resource within TD for fintech, payments, and digital asset-related opportunities.
- Works independently with minimal supervision and a high degree of accountability.
- Generally reports to the Director, Relationship Management.
EXPERIENCE & EDUCATION - Undergraduate degree in Business, Commerce, Finance, Economics, Engineering, Mathematics, or a related discipline.
- 7+ years of experience in commercial banking, fintech banking, payments, treasury management, corporate banking, financial institutions coverage, or relationship management.
- Strong knowledge of payments ecosystems, treasury and cash management, deposit products, commercial lending and credit structures, and fintechI business models.
- Experience working with fintech companies, payment service providers, digital asset businesses, lending platforms, financial infrastructure providers, or regulated financial institutions.
- Strong business development, networking, and relationship management capabilities.
- Knowledge of Canadian and global fintech regulatory environments, including payment systems, AML obligations, digital asset frameworks, and financial institution risk management, is considered an asset.
- Professional designations such as CFA, CPA, CBV, MBA, CTP, or equivalent are considered an asset.
