Work Location:Toronto, Ontario, Canada
Hours:37.5
Line of Business:Enterprise Enabling Functions
Pay Details:$96,900 - $136,800 CAD
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:The Product Owner for Wire Payments is accountable to lead the modernization and maintenance of the bank's high-value payment rails (Fedwire, SWIFT, CHIPS, Lynx). Your goal is to maximize Straight-Through Processing rates, while navigating the complexity of mandatory regulatory upgrade and cross-boarder data standards.
Operating in Agile routines, the Product Owner will align with senior management to follow a product vision, creating and maintaining a prioritized product backlog, managing delivery blockers, continuously assessing customer feedback. The Product Owner I should always be considering how to maximize value, assessing how the product or the delivery process can be continuously improved, contributes to a positive work environment and ensures that work embodies the Agile principles of transparency, collaboration and engagement.
Job Description:- Wires Modernization - lead the migration to a new wires engine and decoupling rails into scalable, independent services, "Mainframe Monoliths" to microservices
- Backlog prioritization - manage the lifecycle of a payment feature, from initiation and validation to clearing and final settlement
- Regulatory and sanctions compliance - partner with Risk and Anti-Money Laundering teams to integrate real-time screening into payment flow without compromising latency
- Resilience and scalability - define requirements for high-availability systems capable of processing trillions of dollar in daily volume, with 99.9999% uptime
- Data lineage and reporting - ensure all payment data is captured for mandatory regulatory reporting and internal liquidity management
- Technical and domain expertise:
- Deep expertise in Fedwire, SWIFT and CHIPS
- Transitioning from legacy MT to ISO 20022 schemas
- Understanding of real-time gross settlement and net settlement cycles
- Practical application of Travel Rule requirements and Anti-Money Laundering triggers
- Experience with APIs and Cloud-native payment engines
Required Qualifications & Experience:- Undergraduate degree and / or product certificate
- 7+ years relevant experience
- 3+ years Product Owner or Agile related delivery experience
- Expertise in Fedwire, SWIFT and CHIPS
Nice to Have:
- Data-driven intelligent payments - ISO 20022 data monetization , AI driven fraud detection, predictive liquidity analytics
- Emerging stands & future tech - such as Central Bank Digital Currency, Reatil-Time Rail
- Experience in G-SIB - navigating hybrid structure to balance waterfall style executive oversight with agile ways of working for teams
- Advanced microservice and cloud patterns - understanding service mesh, chaos engineering, event sourcing
- Certified Scrum Product Owner (CSPO) certification and project management experience considered an asset
- Scaled Agile Framework (SAFe) certifications or experience operating in scaled agile delivery considered an asset
Our Total Rewards PackageOur 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: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.
Training & OnboardingWe 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
