Director, Retail Cross-border Payments

Scotiabank; Toronto; Sur place; CAD 180 000 - 240 000; Plein temps

Avantages offerts par ce poste

Diversity & Inclusion

Employee Resource Groups (ERGs)

Accessibility & Accommodations

Upskilling & Tuition assistance

Competitive Rewards

Community engagement programs

Résumé du poste

Scotiabank in Toronto is seeking a Director, Retail Cross-border Payments to lead strategy, growth and end-to-end management of Canada’s retail cross-border payments business. The role drives financial performance, product leadership and partner governance within Scotiabank’s risk framework.

You will oversee portfolio planning, pricing, and lifecycle management, while collaborating with Digital, Marketing, Channels and Analytics to expand client usage and revenue.

Qualifications

• 7+ years of experience in payments and ownership of product or portfolio with commercial results.
• Knowledge of cross-border payment flows, FX and related risk, AML and compliance considerations.
• Experience in P&L management, forecasting, pricing, and business cases.
• Proven success delivering digital payment products and improving client journeys.

Responsabilités

• Own cross-border payments strategy and prioritized product roadmap with business cases and investments.
• Own portfolio planning, forecasting and P&L performance to drive growth, revenue and margins.
• Lead product development and lifecycle management for retail cross-border payments to deliver competitive solutions.
• Drive client acquisition, activation and repeat usage through data-led improvements with digital and marketing teams.
• Monitor market developments, competitors and client trends to translate insights into priorities.
• Lead partner governance and commercial relationships, including negotiations and performance reviews.
• Oversee end-to-end operations and technology coordination to ensure launch readiness and resilience.
• Own business risk and controls within the bank's risk appetite with compliance involvement.
• Build a high-performance team with clear objectives and accountability.

Connaissances

Payments experience

P&L management

Strategic thinking

Stakeholder management

Data-driven

Cross-functional leadership

Digital payments

Formation

Bachelor's degree

MBA (asset)

Description du poste

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Title: Director, Retail Cross-border Payments

Requisition ID: 277330
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

The Role:

The Director, Coss-Border Payments, will lead the strategy, growth and end-to-end management of Canadian Banking’s retail cross-border payments business, with accountability for financial performance, product management and partner relationships. They will also work across the enterprise to deliver competitive, reliable and scalable payment solutions within the Bank’s risk appetite.

Is this role right for you? In this role you will:

• Own the cross-border payments strategy and prioritized product roadmap, including business cases, investment requirements, cross-functional delivery and benefits realization.
• Own portfolio planning, forecasting and P&L performance, driving transaction growth, revenue, pricing, margins and cost optimization.
• Lead product development and lifecycle management for the retail cross-border payments portfolio, translating client needs into competitive solutions and improved payment journeys.
• Drive client acquisition, activation and repeat usage through data-led improvements, working with Digital, Marketing, Channels and Analytics to deepen client relationships and leverage broader Bank capabilities.
• Monitor market developments, competitors, emerging technologies and client usage trends; translate insights into portfolio priorities and growth opportunities.
• Lead partner governance and commercial relationship management, including negotiations, contractual commitments, service performance, issue resolution and renewal planning.
• Oversee end-to-end business and service performance with Operations and Technology, addressing service issues, supporting launch readiness and strengthening operational resilience.
• Own business risk and control responsibilities within the Bank’s risk appetite. Work with Fraud, AML, Compliance and other control partners to identify, elevate and address risks, while respecting their specialist mandates and independent oversight responsibilities.
• Build a high-performance, client-focused team; attract, retain, develop and motivate talent, with clear objectives and accountability for results.
• Create an environment that promotes effective and efficient operations, sound day-to-day decisions and conduct consistent with Scotiabank’s Values and risk culture.

Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:

• 7+ years of experience in payments, with demonstrated ownership of a product or portfolio and accountability for commercial results.
  
• Knowledge of cross-border payment flows, economics, foreign exchange and associated operational, fraud, AML and compliance considerations.
  
• Experience in P&L management, financial forecasting, pricing, commercial analysis and investment business cases.
  
• Demonstrated success delivering digital payment products, improving client journeys and driving adoption and repeat usage after launch.
  
• Ability to manage third-party partnerships, governance, commercial agreements and service performance.
  
• Strong strategic thinking, analytical and communication skills, with the ability to lead cross-functional delivery, influence senior stakeholders and develop talent.
  
• Understanding of emerging payments technologies and industry developments, with the ability to assess business implications and prioritize opportunities.
  
• Bachelor’s degree in a relevant discipline or equivalent experience; MBA an asset. Management consulting or strategy experience is an asset, alongside direct product, commercial and execution experience.

What's in it for you?

• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank.
• We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.
• Accessibility and Workplace Accommodations - We value the unique skills and experiences each individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. Scotiabank continues to locate, remove and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.
• Upskilling through online courses, cross-functional development opportunities, and tuition assistance.
• Competitive Rewards program including bonus, flexible vacation, personal, sick days and benefits will start on day one.
• Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, Humans of Digital and much more!

Location(s): Canada : Ontario : Toronto
Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.
At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know.
We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.