Senior Treasury Asset and Liability Management Analyst

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Finance

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

Job Description:

Department Overview:

The Treasury and Balance Sheet Management (TBSM) department of TD Bank is responsible for the measurement, oversight and management of the Bank's banking portfolios and balance sheets across domestic and foreign subsidiaries. TBSM plays a central role in managing liquidity and funding, cash and investment portfolios, capital positions, market risk exposures, transfer pricing and balance sheet hedging activities, ensuring the Bank operates within its risk appetite while supporting stable earnings and regulatory compliance.

TBSM prides itself on fostering a culture that emphasizes development, open-mindedness, shared success, strong partnerships and value-add initiatives. Significant emphasis is placed on developing people through a teaching culture, collaboration across teams and a commitment to diversity and inclusion to create an environment where individuals are encouraged to grow, challenge ideas constructively and contribute meaningfully to Treasury's objectives.

Overview of Team and Individual Responsibilities:

The Asset & Liability Management (ALM) team within Treasury is responsible for the measurement, management and optimization of the Bank's non-trading balance sheet risks and earnings profile. The team plays a critical role in ensuring the institution remains financially resilient and strategically aligned by overseeing structural interest rate risk, balance sheet dynamics, hedging strategies and earnings sensitivity. Through disciplined analytics and risk identification, ALM supports Treasury's mandate to deliver stable, sustainable earnings while operating within the Bank's risk appetite and regulatory expectations.

The ALM Reporting & Analytics team is responsible for providing clear, timely and actionable insight into the Bank's non-trading balance sheet risks and earnings sensitivities. The team delivers periodic risk and sensitivity reporting for Treasury leadership and governance forums, monitors risk posi tions against approved limits and explains key drivers and movements through disciplined attribution and analysis. In addition, the team conducts periodic reviews of risk measurement frameworks, methodologies and assumptions and leads ad hoc deep-dive investigations in response to market events, business changes, or senior management requests.

The Senior Treasury Asset and Liability Management Analyst is responsible for the end-to-end production, validation and analysis of periodic balance sheet risk, interest rate risk and sensitivity reporting. The Senior Analyst performs detailed attribution and variance analysis to explain movements in risk metrics and earnings sensitivities, ensuring results are accurate, well-controlled and clearly communicated. The role also supports framework and methodology reviews and ad-hoc investigations through data gathering, visualization and crafting clear business narratives based on underlying data.

Key Responsibilities:

• Produce and support daily, weekly and monthly balance sheet risk and sensitivity reporting.
• Analyze, validate and troubleshoot reported metrics, investigating discrepancies and escalating issues in line with established standards and controls.
• Perform attribution, variance and driver analysis to explain movements in risk metrics and sensitivities.
• Support framework and assumption reviews through impact analysis, testing and documentation.
• Deliver ad hoc analytical deep dives, with a focus on data gathering, visualization and translating results into clear business insights for senior management.
• Take ownership of existing processes and identify opportunities to improve efficiency, controls, and analytical clarity.
• Partner effectively with Treasury, Risk, Finance, and related teams to understand and deliver clear and concise financial results and analytical insights.

Technical Knowledge & Experience:
• 2-3 years of experience in financial services or consulting, with exposure to asset liability management, risk management, finance or accounting.
• Solid understanding of North American retail banking products and their balance-sheet characteristics.
• Working knowledge of interest rate risk and balance sheet risk management concepts, including cash flows, present value, duration, convexity and sensitivities.
• Strong proficiency with analytics and data tools, including SQL, Excel and business intelligence / visualization platforms such as Tableau or Power BI.
• Experience building analytical reports, dashboards and visualizations to support risk analysis and business decision-making.
• Exposure to data analytics techniques (e.g., data mining, statistical analysis or machine learning) and coding background considered an asset.
• Familiarity with QRM or other similar treasury management systems considered an asset.

Competencies & Personal Qualities:
• Strong analytical, problem-solving and conceptual thinking skills, with the ability to investigate issues, assess drivers and simplify complex topics.
• Excellent written and verbal communication skills, with experience presenting insights clearly to stakeholders across varying levels of technical background and seniority.
• Self-starter with the ability to manage multiple priorities, meet deadlines and work with minimal supervision in a fast-paced environment.
• High attention to detail, strong ownership mindset and a commitment to producing accurate, well-controlled analytical outputs.
• Collaborative team player with strong relationship-management skills and a passion for analytics, markets, and translating data into meaningful business insights.
• Adaptable and motivated to continuously improve processes, tools and analytical approaches.

Specific Educational Requirements:
• Post-secondary degree in a related field (ex. Finance, Math, Business, Economics)
• CFA, MBA, CA, FRM considered an asset

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:
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 & 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