TD Bank

Senior Treasury Asset and Liability Management Analyst

TD Bank • $81K — $115K *
Toronto, ON M3C 0E3In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Post-secondary degree in finance or related field.
  • Proficiency in SQL; knowledge of additional programming languages is a plus.
  • CFA, FRM, or MBA credentials are advantageous.
  • Deep understanding of asset/liability management concepts and capital markets.
  • Familiarity with risk measurement and valuation methods.

Responsibilities

  • Develop and maintain financial models for risk measurement.
  • Analyze asset and liability portfolios to support forecasting.
  • Manage and update assigned applications with minimal disruption.
  • Diagnose complex issues and collaborate with partners for solutions.
  • Conduct thorough reporting and analysis for management recommendations.
  • Enhance processes and controls to align with policies and regulations.
  • Lead projects and guide less experienced colleagues.

Benefits

  • Career development opportunities with a focus on skill advancement.
  • Supportive team environment with a focus on mentorship.
  • Potential for discretionary variable compensation based on performance.
  • Emphasis on maintaining a balanced work-life with flexible hours.
  • Strong organizational culture with a commitment to equity and fairness.
Full Job Description
Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Finance

Pay Details:
$81,600 - $115,200 CAD

This role is eligible for a discretionary variable compensation award that considers business and individual performance.

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:
The Opportunity

Join Treasury's Asset and Liability Management team and help conduct and enhance reporting processes, control frameworks, forecasts and analytics related to the Bank's balance sheet. You will provide analytical support to senior colleagues, help guide junior analysts and contribute to accurate, efficient and comprehensive reporting.

What you'll do
  • Develop and maintain financial models used to generate risk measurement information for Asset and Liability Management.
  • Analyze asset and liability portfolios, evaluate trends, reconcile cash flow activity and support balance sheet and Net Interest Income forecasts.
  • Develop, document and maintain assigned applications, and implement changes to the technology base in an orderly manner with minimal service disruption.
  • Diagnose and resolve problems of varying complexity, collaborating with internal and external partners where expertise or cooperation is required.
  • Conduct reporting and meaningful analysis, draw conclusions and make recommendations for management or broader audiences.
  • Support improvements to processes, controls, documentation and reporting while maintaining alignment with internal policies and regulatory requirements.
  • Lead moderately complex projects, end-to-end processes or functional programs within the area of expertise.
  • Share knowledge, mentor colleagues and keep stakeholders informed on project status, issues and relevant developments.

What you bring
  • In-depth expertise in Asset and Liability Management and working knowledge of broader related areas.
  • Experience developing financial models, performing quantitative analysis and translating complex information into practical advice.
  • The ability to solve complex problems involving multiple variables and stakeholders and to recommend process, product or service improvements.
  • Strong communication and relationship-management skills, with the ability to convey business context to internal and external stakeholders.
  • A well-managed approach to risk, controls, confidentiality and evolving regulatory requirements.

Your impact
  • Strengthen the accuracy, efficiency and usefulness of balance sheet, Net Interest Income and interest rate risk analysis.
  • Improve processes, models, controls and reporting used to support Asset and Liability Management decisions.
  • Build team capability through knowledge sharing, guidance and continuous improvement.

Qualifications and Experiences

  • Post-secondary degree
  • SQL skill is a MUST, and other programming languages considered assets
  • CFA, FRM, MBA considered assets
  • Principles of asset/liability management, capital markets, and how Treasury deliver value
  • Superior understanding of capital market instruments including bond and interest rate derivatives.
  • Superior understanding of risk measurement and valuation concepts (cash flow, PV, IRR, duration, convexity, etc.).
  • TBSM processes and how they interconnect considered an asset
  • The features and characteristics of retail banking products
  • Market Risk concepts and their application to banking products
  • Coordinating cross functional teams to deliver key initiatives
  • Managing projects, gathering & analyzing business requirements and explaining requirements to system developers
  • Mapping-out/re-engineering processes and workflows, including associated change management
  • Communicating with all levels of the organization, including senior management
  • Simplifying complex concepts and business results in terms understandable by audiences with varied backgrounds & seniority levels


Competencies and Personal Qualities:
  • Excellent interpersonal and communication skills
  • Self-starter with a proven ability to meet deadlines, own initiatives, and work effectively under minimum supervision.
  • Strong conceptual, analytical, and problem-solving capabilities. An ideal candidate is self-driven individual with a strong sense of curiosity, able to assess potential drivers and resolutions when issues rise.
  • Able to multitask while maintaining attention to detail with tight timelines.
  • Quick to learn and apply new concepts
  • Demonstrated strong critical thinking, problem solving and analytical abilities
  • Approach responsibilities with diligence and initiative, taking ownership of issues to ensure successful outcomes, able to work independently with minimal supervision
  • Exceptional organizational skills with an ability to prioritize and manage competing initiatives
  • Challenge the status quo and exhibit a forward-looking mindset to identify enhancement opportunities that are efficient and scalable


Work activities include a blend of highly collaborative activities and individual deliverables. Individuals are expected to be onsite 4 days a week. Colleagues may spend more or less days in office as required by the business line.

Language Requirement (Quebec only):
Sans Objet

About TD Bank

TD Securities offers a range of advisory and capital market services to its clients. The company's range of services includes research, investment banking, capital markets, and global transaction banking. Research consists of commodity and equity research. Investment banking consists of mergers, acquisitions, industry expertise, and credit origination. Global transaction banking consists of trade finance, cash management, and correspondent banking. TD Securities was founded in 1855 and is based in Ontario.

TD Bank Careers

Join the vibrant team at TD Bank, one of North America's leading financial services organizations, where innovation, leadership, and growth go hand in hand. At TD Bank, we are committed to fostering a culture of diversity and inclusion, making it an ideal place for ambitious professionals to thrive. Work You’ll Do At TD Bank, your professional journey is bolstered by a robust support system. From your first interview to every career milestone, you will find opportunities for growth and leadership. Our team is dedicated to helping you develop the skills necessary for success in the ever-evolving financial sector. TD Bank offers a variety of job opportunities across multiple fields, from customer service to investment banking. Each position at TD Bank is a chance to contribute to our culture of innovation and exceptional client service. Internship Programs Kickstart your career with a TD Bank internship. Our programs provide invaluable industry exposure and hands-on experience, making them a perfect starting point for students and recent graduates eager to make their mark in the banking industry. Interns at TD Bank enjoy the unique opportunity to work alongside seasoned professionals, gaining insights that are crucial for future employment. Benefits and Growth TD Bank is deeply committed to the well-being and continuous growth of our team members. We offer competitive benefits packages that cover health, finance, and family care. Our employees enjoy comprehensive health insurance, retirement plans, and generous paid time off, among other perks. Moreover, TD Bank encourages professional development through various training programs, including leadership development and diversity training. These initiatives ensure that our team remains at the forefront of industry standards and best practices. Join Our Team Explore the numerous career paths available at TD Bank and discover how your skills and interests align with our mission. We are actively hiring and continually looking for talented individuals who are passionate about banking and customer service. Networking and Professional Development At TD Bank, we believe in the power of networking and collaboration. Our employees have access to a wide range of networking events, workshops, and seminars that promote career development and professional growth. These platforms not only enhance your professional skills but also expand your industry connections. Stay Connected Keep up to date with the latest at TD Bank Careers by subscribing to our job alert emails. Tailor your subscription to match your career preferences and get the latest news, insider tips, and job opportunities delivered straight to your inbox. Explore job opportunities at TD Bank and be part of a team that values hard work, creativity, and a diverse workplace culture. Your next great career move is just a click away. SEARCH TD BANK JOBS Join us at TD Bank and let your ambition lead you to a rewarding career filled with opportunities to learn, grow, and innovate.
Learn more about TD Bank
Size
90,000 employees
Market Cap
$117.9 billion
Industry
Finance & Insurance
Net Income
-$6.9 million
5 Year Trend
+6.6%
* Ladders Estimates

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