Head of Consumer Deposits Product Innovation (US)

About the role

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $250,000 - $370,000 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. Line of Business: Personal & Commercial Banking Job Description: Job Description Summary: This role is accountable for defining and advancing the innovation strategy for TD's U.S. consumer deposits portfolio. This role leads the identification, validation, and delivery of new deposit products, features, and enhancements that drive customer value, deposit growth, and competitive differentiation. The role partners closely with business, technology, risk, compliance, and legal stakeholders to translate customer insights into compliant, scalable product solutions aligned with TD's business strategy and regulatory expectations. Depth & Scope: Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required Provides strategic leadership across the U.S. consumer deposit innovation portfolio, guiding priorities from customer discovery through business case approval and delivery Owns the U.S. deposit innovation roadmap, identifying opportunities across products, features, channels, and customer segments to support growth, engagement, and profitability Assesses portfolio performance using customer insights, market trends, competitive intelligence, and key performance indicators to inform innovation priorities and recommendations Influences enterprise decisions related to product design, pricing, features, and value propositions through strong partnership with Product, Distribution, Marketing, Technology, Risk, Compliance, and Legal teams Ensures all innovation initiatives adhere to applicable consumer protection laws, deposit regulations, KYC, AML, and internal risk management policies, partnering early with control functions to identify and mitigate risk Operates with a U.S. geographic mandate, supporting TD's U.S. Consumer Deposits and Payment Products business and its diverse customer segments and distribution channels Exercises strategic judgment and decision authority within a 1A Line of Defense, balancing customer experience, revenue, cost, and risk considerations Education & Experience: Bachelor's degree required; advanced degree in Business, Finance, Economics, Marketing, or a related field preferred 10+ years of progressive experience in product management, product innovation, strategy, or customer experience roles within financial services, with a strong focus on consumer banking and deposit products Proven experience leading end-to-end product or innovation lifecycles, including customer discovery, market and competitive analysis, business case development, prioritization, and delivery of scalable solutions Strong working knowledge of U.S. consumer deposit products, pricing constructs, distribution channels, and customer segments, with a proven ability to drive deposit growth, engagement, and profitability Experience operating within a highly regulated financial services environment, with working knowledge of applicable consumer protection laws, deposit regulations, KYC, AML, and internal risk management frameworks Proven ability to partner and influence across cross-functional teams including Technology, Risk, Compliance, Legal, Marketing, and Distribution teams to deliver compliant, customer-centric solutions Demonstrated leadership capabilities, including influencing senior stakeholders, exercising sound judgment, and balancing customer experience, revenue, cost, and risk considerations Strong analytical, strategic thinking, and communication skills, with the ability to translate customer insights and data into clear recommendations and actionable innovation roadmaps Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel - Occasional International Travel - Occasional 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

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