Analyst/Associate - Commercial Card Product Manager - Transaction Banking Product, TD Securities

TD Bank Group; Charlotte (NC); Presencial; USD 105.000 - 175.000; Jornada completa

Descripción de la vacante

TD Securities in Charlotte, NC, is seeking a Product Manager to support the Commercial Card product strategy and manage defined workstreams across departments. You will gather requirements, assist with lifecycle activities, and monitor performance to drive product improvements.

The role requires collaboration with Sales, Technology, Risk, Operations, and Finance, plus analysis of market trends and regulatory considerations. Strong communication and Excel/PowerPoint skills are essential.

Formación

• 3-5 years of Commercial Card, payments, treasury management, banking product, or closely related experience.
• Foundational knowledge of Commercial Card products, payment processing, client needs, industry practices, and relevant risk and regulatory considerations.
• Experience supporting product initiatives, projects, implementations, enhancements, or operational improvements from planning through delivery.
• Ability to gather and document business requirements, organize information, identify dependencies, and follow through on assigned actions.
• Strong analytical skills, with the ability to interpret product performance, customer behavior, market information, and reporting to identify trends and support recommendations.
• Clear written, verbal, presentation, and client-facing communication skills, including the ability to explain information to both technical and non-technical audiences.
• Ability to collaborate across teams, build productive working relationships, and contribute effectively in a cross-functional environment.
• Demonstrated initiative, sound judgment, attention to detail, and structured problem-solving skills, with an openness to guidance and feedback.
• Bachelor’s degree or equivalent practical experience in business, finance, product management, technology, or a related discipline preferred.

Responsabilidades

• Support the execution of the Commercial Card product strategy and roadmap by managing assigned deliverables, product components, or defined workstreams.
• Assist with product lifecycle activities, including discovery, requirements gathering, business case support, testing, launch readiness, implementation, performance monitoring, and product enhancements.
• Conduct market, competitor, client, and industry research to identify trends, client needs, product gaps, and potential improvement opportunities.
• Gather, document, and help prioritize business and product requirements in partnership with clients, internal stakeholders, and more senior product managers.
• Coordinate with Sales, Technology, Risk, Operations, Marketing, Finance, Legal, Compliance, and external providers to support timely delivery of product initiatives.
• Participate in client and partner discussions to gather feedback, clarify needs, and translate insights into recommended product or process improvements.
• Develop and maintain product documentation, sales materials, implementation resources, training content, and internal communications.
• Track key product measures, including card usage, transaction volume, revenue, profitability, client adoption, and customer experience; identify trends and elevate material findings.
• Support product risk and control activities by documenting issues, monitoring action plans, and helping ensure alignment with regulatory, operational credit and payment requirements.
• Assist in improving end-to-end product processes, including development, implementation, usage, reporting, feedback, and ongoing governance.
• Coordinate meetings, decisions, dependencies, risks, and action items across assigned initiatives, escalating barriers when appropriate.
• Prepare analyses, product updates, presentation materials, and recommendations for product leaders and cross-functional stakeholders.
• Maintain current knowledge of Commercial Card, payments, digital tools, regulatory developments, and competitor activity, and apply that knowledge to assigned responsibilities.

Conocimientos

Commercial Card

Payments

Product management

Business analysis

Stakeholder management

Cross-functional collaboration

Regulatory considerations

Excel

PowerPoint

Communication

Educación

Bachelor’s degree or equivalent practical experience in business, finance, product management, technology, or related discipline

Herramientas

Microsoft Excel

PowerPoint

Descripción del empleo

Work Location: Charlotte, North Carolina, United States of America Hours: 40 Line of Business: TD Securities Pay Detail: $105,000 - $175,000 USD 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:

• Support the execution of the Commercial Card product strategy and roadmap by managing assigned deliverables, product components, or defined workstreams.
• Assist with product lifecycle activities, including discovery, requirements gathering, business case support, testing, launch readiness, implementation, performance monitoring, and product enhancements.
• Conduct market, competitor, client, and industry research to identify trends, client needs, product gaps, and potential improvement opportunities.
• Gather, document, and help prioritize business and product requirements in partnership with clients, internal stakeholders, and more senior product managers.
• Coordinate with Sales, Technology, Risk, Operations, Marketing, Finance, Legal, Compliance, and external providers to support timely delivery of product initiatives.
• Participate in client and partner discussions to gather feedback, clarify needs, and translate insights into recommended product or process improvements.
• Develop and maintain product documentation, sales materials, implementation resources, training content, and internal communications.
• Track key product measures, including card usage, transaction volume, revenue, profitability, client adoption, and customer experience; identify trends and elevate material findings.
• Support product risk and control activities by documenting issues, monitoring action plans, and helping ensure alignment with regulatory, operational credit and payment requirements.
• Assist in improving end-to-end product processes, including development, implementation, usage, reporting, feedback, and ongoing governance.
• Coordinate meetings, decisions, dependencies, risks, and action items across assigned initiatives, escalating barriers when appropriate.
• Prepare analyses, product updates, presentation materials, and recommendations for product leaders and cross‑functional stakeholders.
• Maintain current knowledge of Commercial Card, payments, digital tools, regulatory developments, and competitor activity, and apply that knowledge to assigned responsibilities.

Qualifications:

• 3-5 years of Commercial Card, payments, treasury management, banking product, or closely related experience, including practical exposure to corporate payment solutions and product delivery.
• Foundational knowledge of Commercial Card products, payment processing, client needs, industry practices, and relevant risk and regulatory considerations.
• Experience supporting product initiatives, projects, implementations, enhancements, or operational improvements from planning through delivery.
• Ability to gather and document business requirements, organize information, identify dependencies, and follow through on assigned actions.
• Strong analytical skills, with the ability to interpret product performance, customer behavior, market information, and reporting to identify trends and support recommendations.
• Clear written, verbal, presentation, and client‑facing communication skills, including the ability to explain information to both technical and non‑technical audiences.
• Ability to collaborate across teams, build productive working relationships, and contribute effectively in a cross‑functional environment.
• Demonstrated initiative, sound judgment, attention to detail, and structured problem‑solving skills, with an openness to guidance and feedback.
• Ability to manage multiple priorities, meet deadlines, and produce consistent, high‑quality work in a changing environment.
• Proficiency with Microsoft Excel, PowerPoint, and other analytical or reporting tools used to organize data and communicate findings.
• Ability to work independently on defined assignments while recognizing when to seek direction, raise risks, or elevate decisions.
• Bachelor’s degree or equivalent practical experience in business, finance, product management, technology, or a related discipline preferred.

Who We Are

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we strive to make every interaction, product and experience remarkably human and refreshingly simple. Our services include underwriting and distributing new issues, providing trusted advice and industry‑leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly‑diverse equity research franchise, while growing our strong, diversified investment bank. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [e-mail]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific