Analyst - Product Development - Transaction Banking Product, TD Securities

TD Bank•Charlotte, NY

11h

About The Position

The Analyst, Transaction Banking Product Development supports the delivery of TD Securities’ Transaction Banking products across the Payables and Receivables portfolios. The role combines product development support with business analysis, helping move initiatives from product concept and requirements through implementation. The analyst partners with Product Managers and cross-functional teams to support strategy, roadmap delivery, analysis, governance, testing, documentation, commercialization, and change management. Assignments may span Real-Time and Emerging Payments, Domestic/Low Value, Cross-Border/High Value, and Receivables, depending on business priorities, delivery roadmaps, and capacity needs. TD Securities is undertaking a multi-year digital transformation and expansion of its Commercial and Corporate Transaction Banking product suite, with the goal of becoming a leading North American multi-currency treasury provider. Transaction Banking serves corporate, financial institution, and government clients with solutions and treasury advisory services for complex liquidity, payment, and trade needs. The role requires collaboration across Transaction Banking and the broader organization, including Technology, Operations, Change Delivery, Risk, Legal, Compliance, Finance, Sales, and Service. The analyst supports delivery of client-focused product capabilities while contributing to effective management of product, operational, compliance, regulatory, and delivery risks.

Requirements

University degree.
3–5 years of relevant Agile product delivery and/or payments product experience in Transaction Banking, Correspondent Banking, Payments, and/or Wholesale Banking.
Strong knowledge of the Canadian, US, and international transaction banking landscape, including payment and collection methods, clearing systems, messaging standards, and receivables solutions.
Knowledge of transaction banking capabilities and standards such as ISO 20022, SWIFT, EFT/ACSS/ACH, Lynx, Interac and Interac Bulk, Payments Canada RTR, EDI, virtual accounts, electronic bill presentment and payment, lockbox, cash application, account validation, and emerging payables and receivables trends.
Ability to translate and articulate requirements among business, operations, compliance, risk, technology, and other stakeholders, and develop business requirements, features, epics, and user stories while explaining business and customer context.
Ability to successfully deliver complex product features and functionality to market on time and on budget.
Client-focused approach and ability to consult with clients and Transaction Banking partners about service preferences and requested enhancements to deliver client-centric solutions.
Excellent organization and prioritization skills to operate in a dynamic environment and support ongoing change management.
Ability to manage competing priorities while delivering high-quality results.

Responsibilities

Partner with Product Managers to support product strategy, roadmap execution, business cases, initiative planning, and delivery of new or enhanced capabilities.
Gather, document, validate, and maintain business requirements, process maps, client and user needs, use cases, epics, features, user stories, acceptance criteria, and traceability artifacts.
Conduct current-state and future-state analysis, identify gaps and dependencies, and translate business needs into clear requirements for Technology, Operations, Change Delivery, Risk, Legal, Compliance, Finance, Sales, Service, and other partners.
Prepare product and project governance materials, including status updates, decision materials, meeting content, risks, issues, assumptions, dependencies, and action logs.
Coordinate working sessions, requirements reviews, walkthroughs, and stakeholder discussions; document decisions and follow through on actions.
Support testing and implementation, including test planning, business acceptance criteria, defect triage, readiness assessments, implementation checklists, and post-launch reviews.
Prepare and maintain product documentation, operating procedures, forms, client and internal communications, training content, implementation materials, and product collateral.
Perform market, client, competitor, regulatory, financial, and operational analysis to support product recommendations and prioritization.
Use data to identify trends, client needs, process inefficiencies, revenue opportunities, expense considerations, and potential product or service improvements.
Support product commercialization and change management, including stakeholder readiness, sales and service enablement, client migration, and launch communications.
Assist with partner and vendor interactions, due diligence, documentation, issue management, and delivery coordination, as applicable.
Contribute to effective management of product, operational, compliance, regulatory, and delivery risks; escalate concerns and support remediation activities.
Build effective relationships across Transaction Banking and the broader organization while demonstrating sound judgment, accountability, and a client-focused mindset.