Work Location:Cherry Hill, New Jersey, United States of AmericaHours:40Pay Details:$86,840 - $139,360 USDTD 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:FinanceJob Description:Department Overview:As a part of US Finance Product Management team, this role leads the development and supports the achievement of the project budget for the Franchise Credit Card and Unsecured Lending business lines. The role manages and provides consulting, planning and analytic support on financial results as well as future budgeting, providing interpretation through in-depth understanding of the project workstreams and business. The Finance Manager provides effective challenge of the project delivery team to ensure the forecasts and financial plans drive business results, strategy and growth decisions. The role requires creativity, innovation, having ability to learn and apply skills and new knowledge to improving existing and designing new processes and tools.The Finance Manager provides a range of strategic Finance advice, analysis and support for key business areas/portfolios as assigned. Proactively manages senior relationships in order to provide seasoned and deep business insights, decision support and guidance and works closely with various stakeholders and team members as required.Depth & Scope:
Scope of role may have pan-business impact and focus is on comprehensive reviews, specialized analysis, audits and/or initiatives with a yearly time span
Accountable for conducting financial analysis/research, reviews and/or audits to support functional goals/objectives
May act as interface with Finance partners/leaders and external parties
Serves as a source of advice to senior management in field of specialty; may lead team(s) of related specialists/experts
Undertakes and completes a variety of complex projects and initiatives requiring seasoned business partner specialist knowledge and/or the integration of cross functional processes within own area of expertise
Work is guided by policies and industry standards/methods
Requires innovative thinking to develop new solutions
Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
Works autonomously as the lead and guides others within area of expertise
Education & Experience:
Undergraduate degree
7+ years of relevant experience
Accounting or financial designation preferred
Preferred Qualifications:
Strong interpersonal and communication skills (written and verbal) with well-developed presentation skills.
In-depth knowledge of financial analysis and data analytics with strong technical skills (Excel, SQL, Alteryx, Tableau).
Comprehensive practical knowledge of financial analysis techniques and methodologies including actuals reporting, variance analysis and forecasting.
Develop analysis and reporting to illustrate trends and identify areas of opportunities as well as contribute to the identification of key performance indicators.
Ability to act as a business partner, providing advice and analysis to fully explore results and opportunities.
Demonstrated ability to successfully plan, develop, lead, and execute projects and deliverables.
Customer Accountabilities:
Works closely with business partners to gain deep understanding of the business and relevant objectives in order to contribute to the strategic direction of respective business and/or the enterprise
Formulates relevant and meaningful data analysis through comprehensive data visualization tools, profiling tools, segmentation, as well as leveraging advanced modeling and analytics
Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs
Effectively communicates relevant/meaningful recommendations on a range of finance management issues or related operational processes to all levels within the organization
Acts as a subject matter expert for LOB Finance area supported and provides guidance/advice and recommendations to support dealings with internal/external partners
Identifies and develops key business performance measures or metrics for own area and ensures benchmark/best practice information is shared with appropriate parties
Works to maximize shareholder value by developing key strategies/tactics for own unit and by conducting business and/or financial analysis to support key business decisions and the achievement of business partner or department objectives
Leverages advanced data and analytics where possible to ensure business leaders are provided with comprehensive information to enable strategic decision support
Develops and/or assesses significant business cases/new initiatives applying expertise and ensuring criteria for own area are met (e.g., taxation, accounting practices, forecasted rates of return, evaluate outcomes, test assumptions, interface with others for appropriate input, identify benchmarks)
Proactively partners and supports the business to develop business, financial, operational, or organizational strategy for the organization
Ensures alignment between business segment and enterprise goals/thresholds
Provides strategic insights and proposes solutions for the organizations they support that deliver superior risk adjusted profitability
Creates “story-telling” presentations on business performance (competitive analysis, etc.)
Acts as a catalyst in driving forward initiatives critical to delivering strategy
Develops and implements growth strategies
Partners with the business to develop financial plans and forecasts
Applies management-level focus
Shareholder Accountabilities:
Acts as a respectful “challenger” to provide alternative points of view
Leads the development/implementation of new financial models, operating service standards, methodologies, frameworks and paradigms to support on-going reporting, audit and/or analysis functions for own area
Synthesizes complex and vast amount of information and translates into actionable insights and strategy
Monitors and analyzes financial performance, acting as custodians of cost
Adheres to enterprise frameworks or methodologies that relate to activities for our business area
Ensures respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
Consistently exercises discretion in managing correspondence, information and all matters of confidentiality and privacy; escalates issues where appropriate
Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
Identifies/recommends/supports the implementation of actions/remediation plans to address performance/risk/governance issues
Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
Maintains a culture of risk based management and control, supported by effective processes in alignment with risk appetite
Employee/Team Accountabilities:
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business unit
Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
Participates in personal performance management and development activities, including cross training within own team
Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
Physical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Occasional
International Travel – Never
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 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 PackageOur 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 (http://hrportal.ehr.com/tdtotalrewards)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 DevelopmentIf 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationIf you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.