Analyst/Associate - Commercial Card Product Manager - Transaction Banking Product, TD Securities

Work Location : Charlotte, North Carolina, United States of America Hours: 40 Line of Business: TD Securities Pay Detail: $105,000 - $175,000 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. Job Description: The Commercial Card Associate Product Manager supports the development, delivery, and ongoing management of Commercial Card products and capabilities. Working under the direction of more senior product leaders, this role contributes to product planning, market and client research, requirements development, implementation, performance reporting, and continuous improvement. The Associate Product Manager partners with Sales, Technology, Risk, Operations, Marketing, and other stakeholders to help deliver competitive, reliable, and client-focused Commercial Card solutions. The successful candidate brings foundational Commercial Card and payments experience, strong analytical and organizational skills, and the ability to manage defined workstreams with appropriate guidance. This role is expected to build deeper product expertise, develop sound business judgment, and progressively assume greater ownership within the product portfolio. · Support the execution of the Commercial Card product strategy and roadmap by managing assigned deliverables, product components, or defined workstreams. · Assist with product lifecycle activities, including discovery, requirements gathering, business case support, testing, launch readiness, implementation, performance monitoring, and product enhancements. · Conduct market, competitor, client, and industry research to identify trends, client needs, product gaps, and potential improvement opportunities. · Gather, document, and help prioritize business and product requirements in partnership with clients, internal stakeholders, and more senior product managers. · Coordinate with Sales, Technology, Risk, Operations, Marketing, Finance, Legal, Compliance, and external providers to support timely delivery of product initiatives. · Participate in client and partner discussions to gather feedback, clarify needs, and translate insights into recommended product or process improvements. · Develop and maintain product documentation, sales materials, implementation resources, training content, and internal communications. · Track key product measures, including card usage, transaction volume, revenue, profitability, client adoption, and customer experience; identify trends and escalate material findings. · Support product risk and control activities by documenting issues, monitoring action plans, and helping ensure alignment with regulatory, operational, credit, and payment requirements. · Assist in improving end-to-end product processes, including development, implementation, usage, reporting, feedback, and ongoing governance. · Coordinate meetings, decisions, dependencies, risks, and action items across assigned initiatives, escalating barriers when appropriate. · Prepare analyses, product updates, presentation materials, and recommendations for product leaders and cross-functional stakeholders. · Maintain current knowledge of Commercial Card, payments, digital tools, regulatory developments, and competitor activity, and apply that knowledge to assigned responsibilities. Qualifications: · 3-5 years of Commercial Card, payments, treasury management, banking product, or closely related experience, including practical exposure to corporate payment solutions and product delivery. · Foundational knowledge of Commercial Card products, payment processing, client needs, industry practices, and relevant risk and regulatory considerations. · Experience supporting product initiatives, projects, implementations, enhancements, or operational improvements from planning through delivery. · Ability to gather and document business requirements, organize information, identify dependencies, and follow through on assigned actions. · Strong analytical skills, with the ability to interpret product performance, customer behavior, market information, and reporting to identify trends and support recommendations. · Clear written, verbal, presentation, and client-facing communication skills, including the ability to explain information to both technical and non-technical audiences. · Ability to collaborate across teams, build productive working relationships, and contribute effectively in a cross-functional environment. · Demonstrated initiative, sound judgment, attention to detail, and structured problem-solving skills, with an openness to guidance and feedback. · Ability to manage multiple priorities, meet deadlines, and produce consistent, high-quality work in a changing environment. · Proficiency with Microsoft Excel, PowerPoint, and other analytical or reporting tools used to organize data and communicate findings. · Ability to work independently on defined assignments while recognizing when to seek direction, raise risks, or escalate decisions. · Bachelor’s degree or equivalent practical experience in business, finance, product management, technology, or a related discipline preferred. Who We Are TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we strive to make every interaction, product and experience remarkably human and refreshingly simple. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. 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 relat