78 Chief Information Security Officer jobs in Canada

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
The Commercial Credit Risk team is responsible for end-to-end credit risk strategy for Canada's corporate client portfolio, inclusive of underwriting, limit management, financial gathering, card authorization, case set-up, and collection policies & processes.
The candidate is expected to partner with cross-functional teams such as Sales, Account Development, Center of Excellence (CoE), Commercial Rating and Underwriting, Operations, Marketing, Legal, and Compliance to lead credit risk management for the Commercial portfolio. The incumbent would develop credit risk strategies through advanced data analytics, drive execution of policies and initiatives, and undertake the day-to-day portfolio management activities.
This position reports to the Director, Commercial Credit Risk at Amex Bank of Canada.
**Responsibilities**
+ Conceptualize and design credit solutions that deliver industry-leading credit results while enabling profitable growth for the Canadian Commercial Portfolio.
+ Own the on-going monitoring of the large and middle market portfolio including trends, risk and loss event analysis.
+ Maintain and share industry and economic views impacting the commercial portfolio and clients.
+ Proactively loop in and interact with partners on portfolio initiatives and on driving efficiencies across policies, procedures, and procedures.
+ Drive analyses to support business growth within the credit risk guidelines and principles.
+ Participate in the negotiation and resolution of escalated issues while maintaining strong collaborative relationships.
+ Support new product/feature development and deployment in the market.
+ Engage in broader team initiatives and activities and provide support to other team members.
+ Work with Risk & Compliance (2 nd Line) and Internal Audit (3 rd Line) to support and strengthen Amex Bank of Canada governance policies, processes, and committees.
**Minimum Qualifications**
+ Bachelor's degree in engineering, statistics, mathematics, econometrics, data science, operations research, or a related analytical field and 3 years of relevant experience.
**Preferred Qualifications**
+ Master's degree in an analytical field and 5 years of work experience in risk management, decision science, or data analytics.
+ Strong programming skills and ability to structure complex analysis leveraging multiple large data sources.
+ Thought leadership, problem-solving, and analytical skills with the ability to translate data into insights and actionable strategies.
+ Proven ability to build productive relationships and collaborate with cross-functional partners to achieve shared goals.
+ Demonstrated ability to productively engage and manage stakeholders through influence with the purpose of driving change and delivering. outcomes
+ Self-motivated, results-driven, and intellectually curious.
+ Strong project-management skills.
+ Ability to learn quickly, work independently, and have an ownership-mindset.
+ Clear, effective written and oral communications skills.
+ Inclusive and collaborative mindset to work effectively in a team environment.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
American Express is committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the "Prohibited Grounds"). If you have a disability and need accommodation, please speak with the Recruiter for more information.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** Canada-Ontario-Toronto
**Schedule** Full-time
**Req ID:**

**Role Type:**
Masters and Advanced Degrees
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Pay Details:**
$95,000 - $95,000 CAD
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:**
**DEPARTMENT OVERVIEW**
Risk Management at TD Bank Group (TD) is the bridge between computational analysis and business best practices. Quantitative assessments play a key function within TD; these are actively used for developing, validating and managing models for risk, pricing, hedging and capital evaluation of the various portfolios and financial products of TD. In other words, it's all about the numbers.
Our enterprise has seen strong growth in its quantitative departments over recent years, reflecting improvements to computational ability, data quality and volume, along with the banking industry's increasing attention to understanding and managing model risk. Our department is a global function that partners with all lines of businesses within TD, touching over 1,800 employees in offices across the globe: Canada, United States, the UK and Singapore. We also work externally with regulators and industry groups to align with industry standards, and we benchmark ourselves against best practices.
**JOB DESCRIPTION**
**About the Program**
Through executive mentorship, the Risk Management Quantitative Associate Rotational Program is an immersive 24-month program designed to provide qualified and ambitious candidates the opportunity to step into our world. You'll receive comprehensive experience developing, validating, implementing and managing quantitative models throughout the enterprise. The goal of the program is to develop candidates with the necessary experience and tools to become effective leaders within Risk Management.
If you have a sharp mathematical mind with an eye for finance, we want you to be part of our leadership rotational program.
In this program you'll rotate across various quantitative departments within Risk Management areas every six months:
+ Model Development
+ Model Validation
+ Treasury and Balance Sheet Management
+ TD Insurance
+ TD Asset Management
+ TD Economics
+ Internal Audit
We align rotation opportunities with our business strategies to ensure you work on the most important priorities.
**What You'll Do**
No matter where you work at TD you'll make a meaningful impact, grow your skills and thrive in our culture of care. Here's what that means for each rotation in our program:
**Make an Impact:**
+ Build mathematical and statistical models for the North American profile of TD, both US and Canada. These models include credit risk (e.g., Probability of Default, Exposure at Default and Loss Given Default), operational risk and market risk models used for risk management, accounting, economic/regulatory capital and stress testing purposes
+ Assist in the development and testing of new modelling methodologies and effectively challenge these models through benchmark modelling, model validation and/or review within Internal Audit's model risk division
+ Prepare management summaries describing the mathematical analytics of models, validation techniques, test results and model limitations, including recommendations for further improvements
+ Help to manage the areas of risk and solvency assessment (ORSA), expected credit losses, asset and liability management along with liquidity
+ Participate in quantitative and qualitative validation efforts surrounding key processes including Internal Capital Adequacy Assessment Process (ICAAP), stress testing (DFAST/ EWST/MST) and regulatory capital
**Experience Growth:**
+ Liaise with other business partners to ensure timely delivery of new models and resolve modelling issues
+ Demonstrate governance, control and risk management in alignment with TD policies and practices
+ Work on challenging projects alongside experienced leaders in the field
**Cultivate our Culture of Care:**
+ Develop strong relationships to help identify collaborative opportunities and coordinating efforts with other Risk groups
+ Be supported by a robust team of colleagues, peers and advisors to ensure your growth, development and success
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. Receive 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**JOB REQUIREMENTS**
**What You Need to Succeed**
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned below, tell us about it in your resume or cover letter.
+ Strong quantitative background with advanced mathematical and/or statistical ability
+ Excellent problem-solving skills
+ Computational and programming skills (e.g., R, Python, SAS, Matlab, C++, C, among others)
+ Excellent verbal and written communication skills; can explain complex technical issues in everyday language
+ Strong time management skills with the ability to work independently when required
+ Fast learner who grasps new concepts and techniques quickly
+ Desire to work in a caring, respectful and inclusive environment where all employees are supported
**ADDITIONAL INFORMATION**
**Educational Requirements**
+ Graduated between May 2024 and May 2026 with a graduate degree (Master's or PhD) in a quantitative field such as mathematics, statistics, economics, finance, physics, engineering, or similar
+ Candidates pursuing a graduate degree must have completed all requirements (courses, projects, exams, etc.) for the graduate degree prior to start (excluding convocation)
**Program Location and Start Date**
This is a Toronto-based program which starts in July 2026.
**Applications must include:**
+ Transcript
+ Cover letter (one letter-sized page or less). If you are pursuing a graduate degree, please include graduation month/date/year in your cover letter
+ Resume (two letter-sized pages only)
+ Please ensure that your cover letter, resume, and transcript are included in a single PDF document when submitting your application. If not submitted correctly, your application may not be reviewed or may delay recruitment.
We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!
**HOURS**
Monday-Friday, standard business hours
**INCLUSIVENESS**
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
**Who We Are**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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 ( 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.
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.
**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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Role Type:**
Masters and Advanced Degrees
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Pay Details:**
$90,000 - $90,000 CAD
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:**
**DEPARTMENT OVERVIEW**
For TD Bank Group (TD) to remain competitive it must selectively take and manage risks. TD recognizes that a strong risk culture and approach to risk management is fundamental to our success.
The Risk Management team at TD enables the business side of the enterprise to understand risks. Our team develops the policies, processes and controls required to manage said risks appropriately, in line with the Bank's strategy and risk appetite.
We are a global function that partners with all lines of businesses within TD, touching thousands of employees in offices based in Canada, United States, the UK, and Singapore. We also work externally with regulators and industry groups to align with industry standards, and we benchmark ourselves against best practices.
**JOB DESCRIPTION**
**About the Program**
The Risk Management Associate Rotational Program is an immersive, 24-month program where you'll complete four 6-month rotations designed to help you step into Financial and Non-Financial Risk Management including, but not limited to: credit, market, liquidity, operational, model, ESG, technology and data, regulatory and product risk. The goal of the program is to develop leaders who can understand and apply risk knowledge to a wide range of business functions at TD.
If you're inquisitive, enjoy driving change and making a difference, we want you to be part of our leadership rotational program.
In this program you'll rotate across Risk Management within Canada (supporting Global activities in some instances) every six months:
+ **Market Risk**
+ In Market Risk We can accurately identify current and emerging risks in the market, offering transparency to both trading and non-trading risk results. Our dynamic and global business independently oversees counterparty credit, liquidity risk, and the market enterprise wide. We work diligently to ensure that all results align with the Bank's risk appetite, leveraging business insights and market expertise to get the job done.
+ **Enterprise Market Risk Control**
+ As a second line of defense, we provide independent oversight and challenge of the Bank's trading, non- trading, and liquidity risks. EMRC ensures all significant market and liquidity risks are appropriately governed, understood, analyzed, and measured. We support new business initiatives by working closely with TD.
+ Securities and Treasury and Balance Sheet Management and ensuring TD remains within risk appetite.
+ EMRC includes the following teams:
+ Non-Trading Market Risk
+ Liquidity Risk
+ **Credit Risk**
+ Credit risk is the risk of loss if a borrower or counterparty in a transaction fails to meet its agreed payment obligations. The Credit Risk team approves risk policies to all products and services that have credit risk and establishes guidelines to monitor and limit country risk, industry risk, and group exposure in portfolios.
+ **Operational Risk (including ESG, Cyber, and Innovation)**
+ Operational Risk: works with our business partners to ensure that the operational risk that stems from people and technological processes, including change, are identified, monitored, and managed effectively.
+ **Model Development (MD), & Validation**
+ MD is responsible for developing risk and capital models related to Trading Market Risk, Credit Risk, as well as Operational Risk bank wide. These models cover, but are not limited to, Advanced Measurement Approach for Operational Risk, Credit Risk Rating models, Credit Risk parameters (PD, LGD, UGD), Economic Capital models, IFRS9 models for Credit Risk, Value at Risk (VaR) and Counterparty Credit Risk models.
+ **Regulatory Risk**
+ Providing advice and counsel on ongoing regulatory communication and emerging developments, as well as new initiatives within the bank that have a regulatory impact. Monitoring emerging regulatory developments and finding common themes throughout TD's footprint and communicating these to internal stakeholders. Tracking and overseeing finding remediation to ensure timely responses and quality remediation to the Office of the Superintendent of Financial Institutions (OSFI), which includes maintenance of the Acceptance Review process. Identifying threats to TD's relationship with key Canadian and non-US regulators and ensuring strategies are in place to
+ **Strategic & Enterprise Risk**
+ The Enterprise Risk team assesses TD's risk appetite and ensures that TD takes the right kind of risks that fit our business strategy, do not expose the enterprise to any significant single loss events, and do not risk harm to the TD brand.
+ **Strategy, Business Management & Governance**
+ Strategy, Business Management & Governance is a central operational and governance function supporting risk management groups by guiding the development and execution of strategies, standards, and protocols to deliver on operational effectiveness and efficiency.
We align rotation opportunities with our business strategies to ensure you work on the most important priorities.
**What You'll Do**
No matter where you work at TD you'll make a meaningful impact, grow your skills, and thrive in our culture. Here's what this means for each rotation in our program:
**Make an Impact:**
+ Use your strong communication, analytical and problem-solving skills to add value to each rotation you're assigned.
+ Conduct appropriate reporting and analysis with clearly articulated results and recommendations.
+ Identify potential problems that require attention and recommend appropriate actions to best manage the risks in varying situations.
+ Contribute to a strong Risk culture by raising issues on strategic, reputational, and operational risks.
+ Identify assumptions, constraints, dependencies, and risks.
**Experience Growth:**
+ Acquire an in-depth understanding of how theoretical risk management practices are applied to real world scenarios, including traditional risks (e.g., Credit, Market, Trading, etc.) and non-traditional risks (e.g., ESG, Operational Risk, Cyber Risk, etc.)
+ Work independently with minimal supervision to establish priorities; use your strong communication, analytical and problem-solving skills to add value to each project you are assigned.
+ Work directly with the manager of your rotation and Risk business groups to continually identify issues and enhance processes across the TD organization.
+ Manage and escalate any exceptions as appropriate and consistent with policy.
**Cultivate our Culture of Care:**
+ Develop strong relationships to help identify collaborative opportunities and coordinating efforts with other Risk groups.
+ Work on challenging projects alongside experienced leaders while being supported by a robust team of colleagues, peers, and advisors.
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. Receive 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**JOB REQUIREMENTS**
**What You Need to Succeed**
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned below, tell us about it in your resume or cover letter.
+ Apply methods or procedures which are generally well defined and straightforward, but with occasional deviations.
+ Ability to work in a dynamic and evolving business environment, comfortable with ambiguity and complexity.
+ Provide analytical, interpretative, evaluative, and/or constructive thinking across variable situations.
+ Communicate verbally and in writing to a variety of audiences.
+ Proficient with Microsoft Office products; advanced knowledge of MS Excel
+ Strong business acumen, problem solving skills and analytical capabilities, qualitative and quantitative; can see the "big picture" in a complex environment.
+ Well-organized; can prioritize multiple tasks and deliver results in a fast-paced environment.
+ Ability to work effectively within a team, with other teams and independently to meet business objectives.
+ Desire to work in a caring, respectful, and inclusive environment where all employees are supported.
**ADDITIONAL INFORMATION**
**Specific Educational Requirements/Accreditations:**
+ Graduated between May 2024 and May 2026 with a graduate degree in Business, Economics, Finance, Mathematics, Risk, Statistics, or related field with high academic standing.
**Program Location and Start Date**
This is a Toronto-based program which starts in July 2026.
**Applications must include:**
+ Transcript
+ Cover letter (one letter-sized page or less). If you are pursuing a graduate degree, please include graduation month/date/year in your cover letter.
+ Resume (two letter-sized pages only)
+ Please ensure that your cover letter, resume, and transcript are included in a single PDF document when submitting your application. If not submitted correctly, your application may not be reviewed or may delay recruitment.
We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!
**HOURS & WORKPLACE MODEL**
Monday-Friday (standard business hours)
**INCLUSIVENESS**
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected, and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will collaborate with you to meet your needs.
**Who We Are**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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 ( 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.
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.
**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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Role Type:**
Undergraduate
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Pay Details:**
$75,000 - $75,000 CAD
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:**
**DEPARTMENT OVERVIEW**
For TD Bank Group (TD) to remain competitive it must selectively take and manage risks. TD recognizes that a strong risk culture and approach to risk management is fundamental to our success.
The Risk Management team at TD enables the business side of the enterprise to understand risks. Our team develops the policies, processes and controls required to manage said risks appropriately, in line with the Bank's strategy and risk appetite.
We are a global function that partners with all lines of businesses within TD, touching thousands of employees in offices based in Canada, United States, the UK, and Singapore. We also work externally with regulators and industry groups to align with industry standards, and we benchmark ourselves against best practices.
**JOB DESCRIPTION**
**About the Program**
The Risk Management Associate Rotational Program is an immersive, 24-month program where you'll complete four 6-month rotations designed to help you step into Financial and Non-Financial Risk Management including, but not limited to: credit, market, liquidity, operational, model, ESG, technology and data, regulatory and product risk. The goal of the program is to develop leaders who can understand and apply risk knowledge to a wide range of business functions at TD.
If you're inquisitive, enjoy driving change and making a difference, we want you to be part of our leadership rotational program.
In this program you'll rotate across Risk Management within Canada (supporting Global activities in some instances) every six months:
+ **Market Risk**
+ In Market Risk We can accurately identify current and emerging risks in the market, offering transparency to both trading and non-trading risk results. Our dynamic and global business independently oversees counterparty credit, liquidity risk, and the market enterprise wide. We work diligently to ensure that all results align with the Bank's risk appetite, leveraging business insights and market expertise to get the job done.
+ **Enterprise Market Risk Control**
+ As a second line of defense, we provide independent oversight and challenge of the Bank's trading, non- trading, and liquidity risks. EMRC ensures all significant market and liquidity risks are appropriately governed, understood, analyzed, and measured. We support new business initiatives by working closely with TD.
+ Securities and Treasury and Balance Sheet Management and ensuring TD remains within risk appetite.
+ EMRC includes the following teams:
+ Non-Trading Market Risk
+ Liquidity Risk
+ **Credit Risk**
+ Credit risk is the risk of loss if a borrower or counterparty in a transaction fails to meet its agreed payment obligations. The Credit Risk team approves risk policies to all products and services that have credit risk and establishes guidelines to monitor and limit country risk, industry risk, and group exposure in portfolios.
+ **Operational Risk (including ESG, Cyber, and Innovation)**
+ Operational Risk: works with our business partners to ensure that the operational risk that stems from people and technological processes, including change, are identified, monitored, and managed effectively.
+ **Model Development (MD), & Validation**
+ MD is responsible for developing risk and capital models related to Trading Market Risk, Credit Risk, as well as Operational Risk bank wide. These models cover, but are not limited to, Advanced Measurement Approach for Operational Risk, Credit Risk Rating models, Credit Risk parameters (PD, LGD, UGD), Economic Capital models, IFRS9 models for Credit Risk, Value at Risk (VaR) and Counterparty Credit Risk models.
+ **Regulatory Risk**
+ Providing advice and counsel on ongoing regulatory communication and emerging developments, as well as new initiatives within the bank that have a regulatory impact. Monitoring emerging regulatory developments and finding common themes throughout TD's footprint and communicating these to internal stakeholders. Tracking and overseeing finding remediation to ensure timely responses and quality remediation to the Office of the Superintendent of Financial Institutions (OSFI), which includes maintenance of the Acceptance Review process. Identifying threats to TD's relationship with key Canadian and non-US regulators and ensuring strategies are in place to
+ **Strategic & Enterprise Risk**
+ The Enterprise Risk team assesses TD's risk appetite and ensures that TD takes the right kind of risks that fit our business strategy, do not expose the enterprise to any significant single loss events, and do not risk harm to the TD brand.
+ **Strategy, Business Management & Governance**
+ Strategy, Business Management & Governance is a central operational and governance function supporting risk management groups by guiding the development and execution of strategies, standards, and protocols to deliver on operational effectiveness and efficiency.
We align rotation opportunities with our business strategies to ensure you work on the most important priorities.
**What You'll Do**
No matter where you work at TD you'll make a meaningful impact, grow your skills, and thrive in our culture. Here's what this means for each rotation in our program:
**Make an Impact:**
+ Use your strong communication, analytical and problem-solving skills to add value to each rotation you're assigned.
+ Conduct appropriate reporting and analysis with clearly articulated results and recommendations.
+ Identify potential problems that require attention and recommend appropriate actions to best manage the risks in varying situations.
+ Contribute to a strong Risk culture by raising issues on strategic, reputational, and operational risks.
+ Identify assumptions, constraints, dependencies, and risks.
**Experience Growth:**
+ Acquire an in-depth understanding of how theoretical risk management practices are applied to real world scenarios, including traditional risks (e.g., Credit, Market, Trading, etc.) and non-traditional risks (e.g., ESG, Operational Risk, Cyber Risk, etc.)
+ Work independently with minimal supervision to establish priorities; use your strong communication, analytical and problem-solving skills to add value to each project you are assigned.
+ Work directly with the manager of your rotation and Risk business groups to continually identify issues and enhance processes across the TD organization.
+ Manage and escalate any exceptions as appropriate and consistent with policy.
**Cultivate our Culture of Care:**
+ Develop strong relationships to help identify collaborative opportunities and coordinating efforts with other Risk groups.
+ Work on challenging projects alongside experienced leaders while being supported by a robust team of colleagues, peers, and advisors.
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. Receive 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**JOB REQUIREMENTS**
**What You Need to Succeed**
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned below, tell us about it in your resume or cover letter.
+ Apply methods or procedures which are generally well defined and straightforward, but with occasional deviations.
+ Ability to work in a dynamic and evolving business environment, comfortable with ambiguity and complexity.
+ Provide analytical, interpretative, evaluative, and/or constructive thinking across variable situations.
+ Communicate verbally and in writing to a variety of audiences.
+ Proficient with Microsoft Office products; advanced knowledge of MS Excel
+ Strong business acumen, problem solving skills and analytical capabilities, qualitative and quantitative; can see the "big picture" in a complex environment.
+ Well-organized; can prioritize multiple tasks and deliver results in a fast-paced environment.
+ Ability to work effectively within a team, with other teams and independently to meet business objectives.
+ Desire to work in a caring, respectful, and inclusive environment where all employees are supported.
**ADDITIONAL INFORMATION**
**Specific Educational Requirements/Accreditations:**
+ Graduated between May 2024 and May 2026 with a undergraduate degree in Business, Economics, Finance, Mathematics, Risk, Statistics, or related field with high academic standing.
**Program Location and Start Date**
This is a Toronto-based program which starts in July 2026.
**Applications must include:**
+ Transcript
+ Cover letter (one letter-sized page or less). If you are pursuing a graduate degree, please include graduation month/date/year in your cover letter.
+ Resume (two letter-sized pages only)
+ Please ensure that your cover letter, resume, and transcript are included in a single PDF document when submitting your application. If not submitted correctly, your application may not be reviewed or may delay recruitment.
We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!
**HOURS & WORKPLACE MODEL**
Monday-Friday (standard business hours)
**INCLUSIVENESS**
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected, and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will collaborate with you to meet your needs.
**Who We Are**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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 ( 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.
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.
**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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Role Type:**
Undergraduate
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Pay Details:**
$75,000 - $75,000 CAD
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:**
**DEPARTMENT OVERVIEW**
We are Market Risk. While we don't actually predict the future, we do like to think we get pretty close.
The Market Risk team is responsible for the independent measurement, monitoring and challenge of enterprise-wide market risk, liquidity risk, and counterparty credit risk, as well as collateral management activities in support of the Risk Appetite of TD. We have a global presence with teams in Toronto, Calgary, New York, Singapore, Dublin and London. TD recognizes that a strong risk culture and equable approach to risk management is fundamental to our success.
**JOB DESCRIPTION**
**About the Program**
The Market Risk Rotational Program is an immersive 24-month program designed to help you step into the world of risk management. The goal of the program is to help you develop leadership skills and better understand, administer and deliver practices to achieve the highest level of risk management.
If you're a natural problem solver, relish large datasets and have a keen eye for risk thresholds, we want you to be part of our leadership rotational program.
In this program you'll rotate* across the Market Risk businesses every six months:
+ Market Risk
+ Liquidity Risk
+ Value at Risk (VaR) Reporting and Stress Testing
+ Collateral Management
+ Counterparty Credit Risk Reporting
+ Governance
+ Market Risk Control
* We align rotation opportunities with our business strategies to ensure you work on the most important priorities.
**What You'll Do**
No matter where you work at TD you'll make a meaningful impact, grow your skills and thrive in our culture of care. Here's what that means as a Market Risk associate:
**Make an Impact:  **
+ Perform reporting and monitoring accurately and in a timely manner
+ Investigate, escalate and resolve exceptions in accordance with Risk policies
+ Prepare analysis and commentary on the business and market drivers; present findings to management and stakeholders
+ Execute controls to mitigate operational risk and perform ad hoc analysis, as required
**Experience Growth:  **
+ Work alongside a high-performing team of risk professionals to broaden and deepen your understanding of risk disciplines
+ Collaborate and communicate with the team to meet deliverables and deadlines
+ Investigate, escalate and resolve operational issues as required
+ Receive one-on-one coaching and mentorship from business leaders throughout your two-year program
**Cultivate our Culture of Care:**
+ Connect with senior management and gain experience from experts at the top of their game
+ Interact with other Associates to share learnings and network within the organization
**JOB REQUIREMENTS**
**What You Need to Succeed**
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned below, tell us about it in your resume or cover letter.
+ Ability to organize, analyze and understand large data sets
+ Ability to summarize and communicate complicated results and/or issues in a clear, concise and timely manner
+ Can manage multiple deadlines and priorities in a fast-paced and complex environment while maintaining attention to detail
+ Strong desire to learn new things and develop an end-to-end understanding of processes
+ Ability to work effectively within a team, with other teams and independently to meet business objectives
+ Keen interest in the risk management field and capital markets
+ Desire to work in a caring, respectful and inclusive environment where all employees are supported
**ADDITIONAL INFORMATION**
**Educational Requirements**
Must be graduated between May 2024 and May 2026 with a Bachelor's degree in Business, Economics, Mathematics, Finance or other relevant discipline
**Program Location and Start Date**
This is a Toronto-based program which starts in July 2026. Candidates must have graduated prior to start (including final grades, excluding convocation).
**Applications must include:**
+ Transcripts
+ Cover letter, including an explanation of how the Market Risk Associate Program fits within your career aspirations (one letter-sized page or less)
+ Resume (maximum of 2 pages)
+ Please ensure that your cover letter, resume, and transcript are included in a single PDF document when submitting your application. If not submitted correctly, your application may not be reviewed or may delay recruitment.
We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!
**HOURS**
Monday-Friday, standard business hours
**INCLUSIVENESS**
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
**Who We Are**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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 ( 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.
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.
**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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Role Type:**
Masters and Advanced Degrees
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Pay Details:**
$90,000 - $90,000 CAD
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:**
**DEPARTMENT OVERVIEW**
We are Market Risk. While we don't actually predict the future, we do like to think we get pretty close.
The Market Risk team is responsible for the independent measurement, monitoring and challenge of enterprise-wide market risk, liquidity risk, and counterparty credit risk, as well as collateral management activities in support of the Risk Appetite of TD. We have a global presence with teams in Toronto, Calgary, New York, Singapore, Dublin and London. TD recognizes that a strong risk culture and equable approach to risk management is fundamental to our success.
**JOB DESCRIPTION**
**About the Program**
The Market Risk Rotational Program is an immersive 24-month program designed to help you step into the world of risk management. The goal of the program is to help you develop leadership skills and better understand, administer and deliver practices to achieve the highest level of risk management.
The Program is designed to attract, develop and retain top talent and build a leadership pipeline within Market Risk.
If you're a natural problem solver, relish large datasets and have a keen eye for risk thresholds, we want you to be part of our rotational program.
In this program you'll complete four customized, six-month rotations* within the Market Risk businesses, where you may learn more about:
+ Trading Market Risk, including measurements of Market Risk Capital
+ Non-Trading Market Risk
+ Liquidity Risk
+ Collateral Management
+ Counterparty Credit Risk Reporting
+ Governance and Control functions
* We align rotation opportunities with our business strategies to ensure you work on the most important priorities.
**What You'll Do**
No matter where you work at TD you'll make a meaningful impact, grow your skills and thrive in our culture of care. Here's what that means as a Market Risk associate:
**Make an Impact:  **
+ Use your strong communication, analytical and problem-solving skills to add value to each rotation you're assigned
+ Perform reporting and monitoring accurately and in a timely manner, with clearly articulated results and recommendations
+ Investigate, escalate and resolve exceptions in accordance with Risk policies
+ Prepare analysis and commentary on the business and market drivers; present findings to management and stakeholders
+ Identify potential problems that require attention and recommend appropriate actions to best manage the risks in varying situations
+ Execute controls to mitigate operational risk and perform ad hoc analysis, as required
+ Define opportunities for continued enhancements to departmental processes and make recommendations within assigned areas of responsibility
**Experience Growth:  **
+ Build a diverse skill set, implement process improvements and develop the confidence to tackle challenging tasks in an entirely new area of each line of business rotation
+ Acquire an in-depth understanding of how theoretical risk management practices are applied to real world scenarios
+ Work alongside a high-performing team of risk professionals to broaden and deepen your understanding of risk disciplines
+ Collaborate and communicate with the team to meet deliverables and deadlines
+ Investigate, escalate and resolve operational issues as required
+ Receive one-on-one coaching and mentorship from business leaders throughout your two-year program
**Cultivate our Culture of Care:**
+ Develop strong relationships to help identify collaborative opportunities and coordinating efforts with other Risk groups
+ Work on challenging projects alongside experienced leaders while being supported by a robust team of colleagues, peers and advisors
+ Connect with senior management and gain experience from experts at the top of their game
+ Interact with other Associates to share learnings and network within the organization
**JOB REQUIREMENTS**
**What You Need to Succeed**
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned below, tell us about it in your resume or cover letter.
+ Keen interest in the risk management field and capital markets
+ Excellent problem-solving skills
+ Excellent verbal and written communication skills, ability to summarize and communicate complicated results and/or issues in a clear, concise and timely manner
+ Strong time management skills, can manage multiple deadlines and priorities in a fast-paced and complex environment while maintaining attention to detail
+ Strong desire to learn new things and develop an end-to-end understanding of processes
+ Fast learner who grasps new concepts and techniques quickly
+ Ability to organize, analyze and understand large data sets
+ Proficient with Microsoft Office products; advanced knowledge of MS Excel; programming skills (e.g., VBA, Python, SQL)
+ Ability to work effectively within a team, with other teams and independently to meet business objectives
+ Desire to work in a caring, respectful and inclusive environment where all employees are supported
**ADDITIONAL INFORMATION**
**Educational Requirements**
Graduated between May 2025 and May 2026 with a graduate degree in Business, Economics, Finance, Mathematics, Risk, Statistics, or related field with high academic standing.
**Program Location and Start Date**
This is a Toronto-based program which starts in July 2026. Candidates must have graduated prior to start (including final grades, excluding convocation).
**Applications must include:**
+ Transcripts
+ Cover letter, including an explanation of how the Market Risk Associate Program fits within your career aspirations (one letter-sized page or less)
+ Resume (maximum of 2 pages)
+ Please ensure that your cover letter, resume, and transcript are included in a single PDF document when submitting your application. If not submitted correctly, your application may not be reviewed or may delay recruitment.
We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!
**HOURS**
Monday-Friday, standard business hours
**INCLUSIVENESS**
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
**Who We Are**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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 ( 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.
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.
**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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Role Type:**
Undergraduate
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Pay Details:**
$64,000 - $64,000 CAD
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:**
**Pay Details**
We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with your recruiter and ask compensation related questions, including pay details for this role.
**Department Overview**
**FCRM** is responsible for compliance with anti-money laundering (AML), anti-terrorist financing, sanctions, and anti-bribery/anti-corruption legislation and prudential risk management across the global footprint of TD. We direct the design, content and enterprise-wide implementation of the FCRM Program at TD. FCRM teams act as proactive and trusted advisors to TD business lines while supporting a consistent, adaptable and effective culture across the organization.
**Job Details**
**About the Program**
If you can find clarity inside complexity, have a keen eye for research and a passion for procedure, this program is for you. Our 24-month Associate Program for new graduates is designed to attract, develop and retain top talent and build a leadership pipeline within FCRM.
In this program you'll complete four customized, six-month rotations within FCRM where you may learn more about:
+ Business Segment Oversight/Advisory Teams
+ Financial Intelligence Unit
+ Centralized Sanctions Group
+ Policy, Training, and Governance
**What You'll Do:**
No matter where you work at TD you'll make a meaningful impact, grow your skills and thrive in our culture of care. Here's what it means for each rotation in this program:
**Make an Impact:**
+ Use your strong communication, analytical and problem-solving skills to add value to each rotation you're assigned
+ Provide a range of research, analysis, advisory and operational support to internal team members and/or business groups on AML, sanctions, ABAC, compliance matters and related program risks
+ Use your strong communication, analytical and problem-solving skills to add value to projects you're assigned
+ Define opportunities for continued enhancements to departmental processes and make recommendations within assigned areas of responsibility
**Experience Growth:**
+ Build a diverse skill set, implement process improvements and develop the confidence to tackle challenging tasks in an entirely new area of each line of business rotation
+ Receive feedback and mentorship from senior management). You'll connect with senior management and gain valuable experience from experts at the top of their game who can help you develop your leadership skills
+ Learn from your dedicated mentor(s) throughout your 24-month rotation
**Cultivate our Culture of Care:**
+ Interact with other Associates to share learnings and network within the organization
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. Receive 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**Job Requirements**
**What You Need to Succeed**
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned below, tell us about it in your resume or cover letter.
+ Proficiency in Microsoft Office Suite (Excel, Access, Tableau, Power Point, Power Pivot)
+ Strong conceptual, analytical and problem-solving skills; can see the "big picture" in a complex or ambiguous environment
+ Ability to develop solid business relationships with clients, business partners and stakeholders
+ Well organized; can prioritize multiple tasks and deliver results on multiple deadlines in a fast-paced environment
+ Strong communicator with the ability to impact and influence others; demonstrated presentation skills
+ Ability to handle confidential information with discretion
+ Desire to work in a caring, respectful and inclusive environment where all employees are supported
**Additional Information**
**Educational Requirements:**
+ Completing an Undergraduate degree in a business-related field with an expected graduation by June 2026
**Program Location and Start Date:**
This is a Toronto-based 24-month rotational program starting in July 2026.
**Applications must include:**
+ Transcripts
+ Cover letter (one letter-sized page or less). Include graduation month/date/year in your cover letter.
+ Resume (two letter-sized pages or less)
+ Please ensure that your cover letter, resume, and transcript are included in a single PDF document when submitting your application. If not submitted correctly, your application may not be reviewed or may delay recruitment.
We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest!
**Who We Are**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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 ( 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.
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.
**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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.