Senior Manager, Enterprise Capital Management, Capital Optimization

Description

/ Accountabilities:
Reporting to the AVP, Capital Interpretation and Optimization, the Senior Manager is responsible for leading enterprise-wide capital optimization initiatives that enhance capital efficiency, support disciplined balance sheet usage, and improve returns on equity, while remaining fully aligned with regulatory capital requirements and governance standards.

Key responsibilities include:

Lead the identification, assessment, and execution of capital optimization opportunities across the organization, spanning technical enhancements, data and methodology improvements, portfolio actions and balance sheet related activities.

Evaluate regulatory capital calculations, assumptions, and methodologies embedded in pricing tools, identifying opportunities to improve accuracy, consistency, and capital efficiency.

Assess the capital implications of new products, transactions and structures, providing analysis and insights to inform business design and decision-making.

Ensure capital optimization initiatives are supported by robust analytics and aligned with governance and reporting standards in partnership with stakeholders across the enterprise.

Benchmark capital impacts and optimization practices against peers, industry best practices, and evolving regulatory expectations, to support disciplined, compliant, and well-governed capital efficiency.

Engage proactively with stakeholders across capital, risk, finance, treasury, and business teams to promote consistent understanding of capital impacts and support optimal balance sheet usage.

Lead analytical assessments and scenario analysis to evaluate the capital impact of optimization initiatives, trade-offs, and alternative approaches.

Monitor regulatory capital changes and developments and assess interpretive implications for capital assumptions, methodologies and optimization approaches

Maintain a strong understanding of financial markets, products, and strategies employed by the Bank, including lending, trading, and structured transactions, to support informed capital optimization decisions.

Department Overview

The Treasury and Balance Sheet Management (TBSM) department of TD Bank is responsible for overseeing the management of TD’s consolidated non-trading market risk, funds transfer pricing measurement framework, funding strategies and liquidity risk, and capital position.

Enterprise Capital Management (ECM), within TBSM, is responsible for managing the bank’s capital adequacy and efficiency including the interpretation and application of regulatory capital requirements and capital optimization initiatives; capital allocation methodology; oversight on subsidiary capital management; coordinating regulatory advocacy; developing and reporting on the banks internal capital adequacy assessment process; supporting the analysis of corporate development opportunities; and forecasting and analyzing TDBG’s consolidated regulatory capital requirements

Job Requirements

Qualifications / Skills /

Experience:


Knowledge or experience in the following areas is considered necessary:

Minimum 8+ years of relevant experience in capital management, treasury, or risk management within a financial institution.

Sound understanding of regulatory capital frameworks, including OSFI Capital Adequacy Requirements (CAR), and how capital rules translate into RWA, leverage, and capital consumption impacts across product and transactions.

Demonstrated experience leading or materially contributing to capital optimization, balance sheet management, or RWA efficiency initiatives.

Strong analytical and problem-solving skills, with experience performing capital impact analysis, scenario assessments, and trade-off evaluations.

Solid understanding of financial products and markets, with exposure to lending, trading, securitization, or structured transactions considered an asset.

Proven ability to work across functions and influence senior stakeholders, ensuring business activities and decisions are aligned with regulatory capital requirements and governance standards.

Experience engaging with regulators, auditors, or senior internal governance bodies on complex matters.

Strong digital and…