Associate - Deposit & Liquidity Product Management - Transaction Banking Product, TD Securities

TD•New York, NY

6d•$105,000 - $175,000•Onsite

About The Position

TD is undertaking a multi-year digital transformation and expanding its Global Transaction Banking product suite to build a leading North American cash management provider. Its centralized Product Management organization develops product strategy, products, and go-to-market approaches for Transaction Banking businesses in Canada and the United States, with product decisions designed to scale across the businesses. The Associate, Liquidity Product Management, defines and executes the strategic roadmap for the liquidity product suite, including virtual accounts, cash concentration, notional pooling, and investment services. The role drives product strategy, market positioning, commercial growth, and governance while leading cross-functional initiatives and influencing senior stakeholders. The Associate owns product strategy and lifecycle delivery, from research, ideation, and design through development, commercialization, and ongoing optimization. The role also oversees investment planning and business cases, develops pricing and profitability strategies, tracks product and client performance, ensures governance and regulatory adherence, and represents the product suite in audit and regulatory engagements. The Associate mentors junior product managers and supports product education and thought leadership.

Requirements

At least 2 years of experience in liquidity product management, treasury services, or transaction banking, with significant ownership of strategic product portfolios.
Deep expertise in liquidity solutions, including cash concentration, notional pooling, virtual accounts, intraday liquidity, sweeps, and investment services.
Track record of developing multi-year product strategies, driving commercialization, and delivering complex product enhancements at scale.
Ability to influence and lead senior cross-functional partners, including technology, operations, risk, finance, and compliance.
Strong financial acumen, including business case development, pricing strategy, product-level profit-and-loss management, and KPI governance.
Experience representing products in regulatory, audit, and risk management forums.
Leadership skills, including coaching and mentoring junior product managers and contributing to product organization development.
Exceptional communication skills, including executive presentations, client discussions, and thought leadership.
Bachelor's degree.

Nice To Haves

MBA or similar advanced degree.

Responsibilities

Own the strategic roadmap for the liquidity product suite, balancing client needs, regulatory demands, operational capabilities, and revenue objectives.
Drive multi-year product strategy across Canadian and US Commercial Banking and TD Securities, focusing on competitive differentiation and scalable innovation.
Champion strategic initiatives at senior forums and influence executive stakeholders and cross-functional decisions.
Lead the full product lifecycle, including ideation, design, development prioritization, commercialization, and ongoing optimization.
Oversee investment planning, business cases, and budget alignment for product enhancements and new builds.
Coordinate delivery of complex product initiatives with technology and global operations partners.
Conduct and direct market research to identify growth opportunities and emerging trends in liquidity and treasury management.
Evaluate strategic partnerships, industry shifts, and regulatory changes affecting the product landscape.
Drive commercialization with sales and relationship teams to accelerate adoption and deepen wallet share.
Establish and track product KPIs, financial performance, and client satisfaction; lead remediation or enhancement programs as needed.
Own pricing strategy and profitability management for the liquidity product portfolio.
Serve as a subject matter expert for liquidity solutions, including virtual accounts, notional pooling, cash concentration, sweep structures, and intraday liquidity.
Ensure product governance, regulatory adherence, and risk management across offerings.
Lead audit and regulatory engagement relating to the liquidity product suite.
Mentor junior product managers and promote best practices in product discipline, analysis, and stakeholder management.
Lead internal and external product education, including executive-level presentations and thought leadership.