Head of US Consumer Deposit Product Enablement, Re-engineering and Delivery

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$225,000 - $250,000 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.

Line of Business:

Product Management

Job Description:

The Head of US Consumer Deposit Product Enablement, Re-engineering and Delivery leads the strategy and delivery of new products and enhancements for Consumer Deposits. Executes the product roadmap and backlog, ensuring alignment with business goals, customer needs, and enterprise priorities. Uses data and customer insights to improve experience, drive adoption, and increase product performance. Partners across teams in an agile environment to prioritize, build, and launch features on time while managing risks, budgets, and dependencies. Acts as a key enabler across stakeholders and leads a high-performing team to deliver scalable, customer-focused solutions.

Depth & Scope:

• Provides vision, leadership and strategic guidance in developing and implementing Company products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet Company and shareholder objectives
• Serves as an expert providing a foundation of knowledge to guide decisions throughout the product definition and overall product management
• Contributes to a positive, ethical and respectful working environment and communicates openly with others
• Models Company culture both internally and externally
• Acts as the expert on the market and its problems
• Maintains vigilance gathering industry expert opinions and qualitative market data for different market segments
• Ensures the Company's ability to deliver value while differentiating itself from competitive offerings
• Builds and maintains close relationships with senior business partners
• Ensures ongoing successful communication of strategic direction of the product(s) life cycle
• Acts as the senior integrator/liaison between business lines, enterprise and marketing department influencing and negotiating options to enable the achievement of successful and profitable product design
• Manages the product development budget of the Company
• Determines the optimal allocation of overall budget to ensure objectives can be achieved
• Ensures maximum profitability via management of risk levels authorizes risk policy changes as appropriate
• Ensures effective ways to deliver complete solutions to identify market problems and ensures gaps are identified and filled
• Performs objective analysis of potential market opportunities and articulates learning to quantify the risk, including a financial model
• Reviews and approves business and expense plans and tracks success and effectiveness of product development delivery and implementation
• Develops and manages the product development calendar and oversees the successful and seamless execution of deliverables
• Ensures all products are in compliance and meet all regulatory requirements

 
Education & Experience:

• Bachelors degree required
• 7-10 Years of related experience
• Proven senior management leadership skills to lead a quality department of well-respected product development experts and consultants
• Ability to develop and drive product strategies throughout the organization
• Comprehensive knowledge of the design, development, implementation and profitability of product development and marketing in a financial/banking environment required
• Superb communication, problem-solving and decision making skills with ability to effectively communicate with executive management
• Proven ability to build strong collaborative business relationships
• Demonstrated ability to negotiate and apply skills to exercise influence over others decisions without express authority and influence mass change management
• Experience in leading project management and delivering on time and within budget
• Proven experience in product pricing, financial statements and ensuring budget targets are met or exceeded
• Travel Required

Customer Accountabilities:

• Understands and supports the Banks Customer Service Strategy
• Considers the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholders
• Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
• Leads, coaches and models quality service delivery at every interaction
• Supports the ongoing improvement of the partner/Customer experience

Employee/Team Accountabilities:

• Sets appropriate context for the business unit/function to enable optimal performance and alignment to strategy
• Supports the creation of goals and objectives for the business unit/function as well as communicate those goals and objectives to the team
• Builds capability support / executes plans to acquire, develop and retain the diverse teams with the skills and experience necessary to realize on current and future business strategies
• Role model behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control culture
• Creates an extraordinary place to work advance and sustain a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience
• Leads, coaches and develops a highly effective team by ensuring on-going training and performance and development management

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Occasional
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. 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.

 

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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 USWAPTDO@td.com.  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.