2026 Summer Student Opportunities, PCO - Personal Banking Operations

RBC; Toronto; On-site; CAD 80,000 - 100,000; Full time

Job summary

A leading financial institution in Toronto is seeking a student for a placement in Personal Banking Operations. The role involves supporting client requests, managing banking documentation, and collaborating with diverse teams in a dynamic environment. Ideal candidates are enrolled in post-secondary programs and possess strong communication and organizational skills. The position offers valuable hands-on experience and a chance to contribute to improving client experiences in banking operations.

Benefits

Access to leadership development

Dynamic, collaborative environment

Opportunity to impact operations

Qualifications

• Currently enrolled in a post-secondary program in any discipline.
• Strong communication, organizational, and analytical skills.
• Ability to learn new systems and processes quickly.
• Ability to work effectively in an on-site, team-oriented environment.
• Available to work a 7.5-hour day, Monday to Friday.

Responsibilities

• Support client and internally originated requests timely.
• Deliver excellent service focusing on clients' needs.
• Process work volumes proactively and adapt to change.
• Follow operational risk policies and procedures.
• Take ownership of client transactions at the first contact.

Skills

Strong communication

Organizational skills

Analytical skills

Attention to detail

Interpersonal relationships

Education

Currently enrolled in a post-secondary program

Tools

Microsoft Office

Excel

PowerPoint

Job description

Job Description

What is the opportunity?

Are you a curious and adaptable student, eager to learn new skills, work with diverse teams, and take on challenges in a dynamic environment? Join Personal & Commercial Operations (PCO) and be part of the national team that enables operations across RBC in Canada. Our student placements offer hands‑on experience and meaningful work while contributing to initiatives that improve efficiency, strengthen controls, and enhance the client experience.

Personal Banking Operations (PBO) manages end‑to‑end retail product operations across banking, lending, mortgages, investments, and loyalty products to support personalized client experiences and branch operations. Students will assist with processing activities, account maintenance, documentation, and client or branch‑initiated requests across a range of personal banking products. This placement develops operational accuracy, product knowledge, and process‑execution skills within a high‑volume environment.

Potential Placements - PBO Centre Teams:

• Automotive Finance Fulfillment – Supports RBC’s dealership network by funding vehicle loans for new and used purchases. The team provides loan payout information when clients pay off or trade in their vehicles, ensuring seamless financing experiences for both clients and dealer partners.
• Personal Banking & Investments – Facilitates clients' transitions through the purchase, consolidation, and transfer of registered and non‑registered investments. The team ensures compliance with regulatory requirements for account openings and supports a broad range of banking transactions to help clients meet their financial goals.
• Home Equity Closing Center – Manages the end‑to‑end mortgage process, from the initiation of a home purchase or sale through final closing. The team also oversees mortgage refinancing, home line setup, and ongoing maintenance activities for mortgage and home line products.
  • Mortgage Operations – Oversees the fulfillment and funding of client mortgages once approval has been granted for new purchases, switches from other institutions, or refinances. The team also prepares payout statements and manages the discharge of mortgages to support a smooth client journey.
  • Lending Maintenance – Handles ongoing maintenance of existing personal lending accounts, including mortgages, loans, and lines of credit, ensuring accurate, efficient updates throughout the lending lifecycle.
• Cards & Loyalty Operations – Provides critical back‑office support to internal partners and external financial institutions by resolving ATM chargebacks and managing card‑related investigations. The team supports personal, business, and private banking clients with credit card reversals, account maintenance, and co‑brand program inquiries.
• National Operations Effectiveness – Supports branches by managing content verification activities and coordinating the annual Safety Deposit Box (SDB) Project. The team works closely with branch staff to validate records, assist with client‑related follow‑ups, and ensure sensitive documents are handled securely and in compliance with operational standards. Students in this placement will rotate across branches, work on‑site 5 days per week, and assist with both remote and in‑person operational support.

What will you do?

• Support client and internally originated requests in an accurate and timely manner.
• Deliver excellent service every time by focusing on what is best for our clients and the organization – making work Simpler, Faster, Better.
• Process work volumes proactively and adapt to change while meeting established Client Service Commitment timelines.
• Exercise due diligence by following operational risk policies, procedures, standards, and guidelines.
• Take ownership of client transactions at the first point of contact and resolve issues at source where possible, escalating according to established protocols.
• Utilize multiple RBC systems to ensure quality, accuracy, and completion of incoming and outgoing requests across various personal banking product lines.

What do you need to succeed?

Must‑have:

• Currently enrolled in a post‑secondary (university/college) program in any discipline.
• Strong communication, organizational, and analytical skills.
• Ability to learn new systems and processes quickly with strong attention to detail.
• Ability to work effectively in an on‑site, team‑oriented environment with occasional remote work as required.
• Proficiency with Microsoft Office or equivalent tools.
• Available to work a 7.5‑hour day, Monday to Friday, with hours varying between 8:00 a.m. and 6:00 p.m., depending on business requirements and team schedules.

Nice‑to‑have:

• Interest in operations, service delivery, or financial services.
• Familiarity with Excel, PowerPoint, or documentation tools.
• Previous exposure to RBC systems or operational environments.
• Bilingualism (English/French) written and spoken.

Please note:

• This is a primarily in‑person role. Remote‑only arrangements may be available for select positions based on team and business needs.
• To be eligible for these student positions, you must either:
  • Be returning back to school after the work term end‑date; or
  • If you are not returning back to school (i.e., are graduating immediately after the work term), you must require the full work term as a mandatory component to graduate successfully.

Please ensure that you meet these eligibility requirements before applying – candidates who apply but are found to be ineligible are not able to be considered.

What's in it for you?

At RBC, we thrive on the challenge to be our best, embrace progressive thinking to keep growing, and work together to deliver trusted advice to help our clients thrive and communities prosper.

You will gain access to:

• Leaders who support your development.
• Opportunities to take on progressively greater accountabilities.
• A dynamic, collaborative, and high‑performing environment.
• The chance to make a meaningful impact on RBC's operations and client experience.

Job Skills: Communication, Computer Literacy, Detail‑Oriented, Interpersonal Relationships, Listening Effectively, Personal Development, Personal Initiative.

Additional Job Details

Address: YORK MILLS CENTRE, 10 YORK MILLS RD: TORONTO
City: Toronto
Country: Canada
Work hours/week: 37.5
Employment Type: Full time
Job Type: Student/Coop (Fixed Term)
Pay Type: Salaried
Posted Date: 2025-06-26
Application Deadline: 2026-01-15
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above.

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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