Associate Director, Relationship Management

CUSTOMER 

• Manage a portfolio of fintech, payments, and other clients by providing proactive advice and delivering an exceptional client experience. 

• Develop trusted relationships with founders, CEOs, CFOs, treasury leaders, operations teams, investors, and boards. 

• Serve as the primary relationship owner for clients requiring sophisticated banking solutions, including operating accounts, treasury management services, payment infrastructure, liquidity management, and deposit products. 

• Identify and deliver tailored banking solutions that address clients' operational, regulatory, funding, and growth objectives. 

• Develop a detailed understanding of customer business models, transaction flows, regulatory obligations, settlement processes, capital structures, and funding strategies. 

• Partner with Capital Solutions teams to identify and structure working capital facilities, operating lines, venture debt, warehouse facilities, and other credit opportunities, where appropriate. 

• Assist fintech clients in navigating operational banking requirements associated with payments ecosystems, money movement, custody arrangements, treasury operations, and regulatory compliance. 

• Develop and maintain strong relationships with investors, venture capital firms, ecosystem partners, payment networks, and industry stakeholders to deliver value-added introductions and support client growth. 

SHAREHOLDER 

• Achieve portfolio growth objectives through acquisition and expansion of relationships within thefintech, payments, and other embedded finance sectors. 

• Develop and execute industry-specific business development strategies targeting emerging and established financial technology companies. 

• Grow deposit balances, treasury management revenue, credit utilization, and overall relationship profitability while maintaining a prudent risk profile. 

• Monitor portfolio performance and proactively identify emerging business, regulatory, operational, liquidity, and reputational risks. 

• Partner with Risk Management, Compliance, AML, Payments, Treasury Management, Investment Bank, and Capital Solutions teams to deliver sustainable client solutions. 

• Maintain strong knowledge of developments affecting the fintech ecosystem, including payment modernization initiatives, open banking developments, digital asset markets, money services businesses, registered payment service providers, and evolving regulatory expectations. 

• Ensure all client relationships are managed in accordance with applicable risk appetite, AML requirements, compliance standards, and governance expectations. 

• Contribute to product development, strategic initiatives, and process enhancements that strengthen TD's fintech banking capabilities. 

EMPLOYEE / TEAM 

• Serve as a fintech subject matter expert within TDIP and the broader Commercial Bank. 

• Share industry knowledge and best practices related to fintech, payments,  financial infrastructure, and digital assets. 

• Support education initiatives across TD by helping business partners better understand emerging financial technology sectors. 

• Develop productive relationships with internal partners across Payments, Treasury Management, Capital Markets, Regulatory Compliance, AML, Legal, Risk Management, Wealth, and Commercial Banking. 

• Mentor Associates and support team development through coaching and knowledge sharing. 

• Represent TDIP at fintech conferences, industry associations, investor events, and ecosystem forums. 

• Contribute to TDIP's reputation as a leading banking partner to Canada's innovation and financial technology ecosystem. 

BREADTH & DEPTH 

• Expert-level professional role requiring substantial relationship management, commercial banking, and fintech industry expertise. 

• Deep understanding of financial technology ecosystems, payment infrastructure, operating models, capital structures, and emerging financial services trends. 

• Ability to advise clients on complex banking, treasury, liquidity, operational, and financing matters. 

• Interprets evolving regulatory, industry, and market developments and translates them into practical banking solutions and strategic advice. 

• Independently manages a portfolio of sophisticated relationships operating in highly regulated and rapidly evolving sectors. 

• Exercises sound judgment when evaluating complex operational, regulatory, and credit-related matters. 

• Influences decision-making among senior executives, investors, operators, and internal stakeholders. 

• Functions as a recognized industry resource within TD for fintech, payments, and digital asset-related opportunities. 

• Works independently with minimal supervision and a high degree of accountability. 

• Generally reports to the Director, Relationship Management. 

EXPERIENCE & EDUCATION 

• Undergraduate degree in Business, Commerce, Finance, Economics, Engineering, Mathematics, or a related discipline. 

• 7+ years of experience in commercial banking, fintech banking, payments, treasury management, corporate banking, financial institutions coverage, or relationship management. 

• Strong knowledge of payments ecosystems, treasury and cash management, deposit products, commercial lending and credit structures, and fintechI business models. 

• Experience working with fintech companies, payment service providers, digital asset businesses, lending platforms, financial infrastructure providers, or regulated financial institutions. 

• Strong business development, networking, and relationship management capabilities. 

• Knowledge of Canadian and global fintech regulatory environments, including payment systems, AML obligations, digital asset frameworks, and financial institution risk management, is considered an asset. 

• Professional designations such as CFA, CPA, CBV, MBA, CTP, or equivalent are considered an asset.