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Careers

TD Waterhouse, A Day in the Life


TD Waterhouse Discount Brokerage is Canada's leading provider of discount brokerage services. Self-directed investors have access to the comprehensive support, guidance and resources they need to make informed and confident investment decisions.

TD Waterhouse Discount Brokerage

TD Waterhouse Discount Brokerage offers a variety of products and services designed to help investors achieve their financial goals. Through Investor Service Centres across the country, teams of highly trained Investment Representatives are available to assist clients in placing trades, accessing information or answering product and service-related questions. Specialists are available to help clients with their specific mutual funds, options and fixed-income needs. President's Account Representatives are dedicated to servicing the unique needs of the active trader and high value clients.

TD Waterhouse Institutional Services (TDWIS) provides comprehensive outsourcing solutions for financial services organizations in Canada including: global trade execution, clearing, account administration, and a variety of value-added products and services to retail and institutional brokerage firms, Investment Counselors, and IDA member firms.

Investment Representative (IR)
Minimum Qualifications for HireCSC recommended.
CSC & CPH to be completed within 6 months of hire date
OLC & DFC to be completed within 9 months of hire date
LocationsEdmonton
Markham
Ottawa
Montreal
Purpose of RoleThis position introduces an employee to the fast-paced, high energy self-serve brokerage industry. The IR will execute securities trades and support the TD Waterhouse Discount Brokerage brand by providing genuine, knowledgeable, and superior customer service to clients who are seeking accurate, timely market information, activity & developments, and company products, services & account information. The IR is also accountable for exploring business development opportunities with existing TD Waterhouse Discount Brokerage clients.
Where Might this Take You?Further career development options include more progressive roles within Discount Brokerage and other areas of Wealth Management such as: Senior Investment Representative, Resource Officer, Team Manager, Customer Service Manager, Financial Planning Associate, Financial Planner and Developing Investment Advisor.


Business Development Associate (BDA)
Minimum Qualifications for HireCSC & CPH
PC proficiency, specifically in Microsoft Office applications
LocationsAcross Canada
Purpose of RoleThe BDA participates in the promotion and sales of TD Waterhouse products & services, including presentations to the investing public and representing TD Waterhouse at Trade Shows. The BDA also participates in client (internal & external) seminars and training courses regarding TD Waterhouse products & services under the direction of the Business Development Manager. Business development activities including referrals to TD Bank Financial Group partners are a key component of this role.
Where Might this Take You?Career development options include Financial Planner, Business Development Manager, and other business development/sales roles within TD Bank Financial Group.


Business Development Manager (BDM)
Minimum Qualifications for HireCSC (further industry courses will be required as BDM progresses in role)
Customer service & sales experience within the financial service industry
Outstanding customer service & relationship building skills
Excellent interpersonal skills
LocationsAcross Canada
Purpose of RoleThis is a key sales and marketing position within TD Waterhouse Discount Brokerage. The BDM supports the TD Canada Trust Branch teams by being the primary contact, providing sales training and pro-actively developing other sales initiatives to promote the TD Waterhouse brand in the Retail Branch network. An important accountability of this role is to develop, execute, and evaluate strategic sales plans and business development projects in partnership with TD Canada Trust branches and Wealth Management partners.
Where Might this Take You?Regional Manager, TD Canada Trust Retail Bank positions, senior sales/business development positions within other TD Bank Financial Group businesses. Developing Investment Advisor is also a career development option.


Account Manager (TD Waterhouse Institutional Services)
Minimum Qualifications for HireCSC & CPH
Bilingualism an asset (English & French)
Strong brokerage background & relationship management with clients
LocationsToronto
Purpose of RoleTo build and maintain strong relationships with institutional clients through coordination of effort with various internal departments and divisions within TD Waterhouse & TD Bank Financial Group, providing trading and problem resolution support. The Account Manager will provide clients with guidance on TD Waterhouse Institutional Services policies, procedures, and training that directly impact their business.
Where Might this Take You?Career development options include client service and relationship management positions in other Wealth and TD Bank Financial Group areas. Team Manager, Supervisor, specialized communication and product support positions in TD Waterhouse Institutional Services and management positions in Wealth Operations.

TD Waterhouse Financial Planning

Financial Planners offer financial planning and advice with a focus on retirement and investment planning, tax minimization strategies and assessments of insurance, will and estate planning needs. Financial Planners work closely with the TD Canada Trust Retail Bank with approximately 70% of their business sourced on referrals from the Retail Bank's mass affluent customer segment. Each client receives a financial plan that identifies their clients' goals and potential barriers, and recommends appropriate solutions. The Financial Planner then works with the client to provide ongoing advice and support with a focus on a long term relationship.

Financial Planning Associate
Minimum Qualifications for HireCSC
Post hire must meet licensing requirements including CPH and & 90 day training
Successful completion of PFPC through CSI within 18 months of start date
Solid understanding of Financial Planning business an asset
LocationsToronto
Edmonton
Purpose of RoleThe Financial Planning Associate provides administrative support to a team of Financial Planners and is responsible for the day-to-day activities to support the clients' needs. The Financial Planning Associate may act as the first point of contact for the client as necessary.
Where Might this Take You?Career development options may include Financial Planner, Team Manager or Supervisor in Financial Planning Support or other Operations/Wealth areas. Compliance/Surveillance may also be considered as well as Sales roles in the Retail Bank.


Financial Planner
Minimum Qualifications for HireCSC
Post hire must meet licensing requirements including CPH and & 90 day training
3-5 years industry experience
CSC and one of PFP, PFPC, WME or CFP
LocationsAcross Canada
Purpose of RoleProvides comprehensive financial planning and advice to mass affluent clients with a focus on retirement and investment planning, assisting clients in planning for and meeting their financial goals and objectives.
Where Might this Take You?Role is suitable as a long term professional career path, with a focus on ongoing business development. Next steps may also include Financial Planning Regional Manager role, or other advisory roles in Wealth, if appropriate.


Regional Manager
Minimum Qualifications for Hire5+ years management experience at a senior level plus 5 years industry experience
Must have CSC and one of the CFP, PFP or PFPC
LocationsAcross Canada
Purpose of RoleTo meet business objectives by providing sales management leadership to a team of Financial Planners, by providing focus and direction, motivating strong results through good business planning, ensuring compliance according to all internal and external requirements.
Where Might this Take You?Role would be suitable as a long term career path, focusing on long term business development and growth. Next steps may also include leadership roles within Retail Bank, or more senior roles within Financial Planning or other Wealth businesses.

TD Waterhouse Private Client Group

The Private Client Group (PCG) provides the highest level of tailored advice and integrated wealth management solutions. PCG's goal is to help clients and their families develop integrated, comprehensive and customized financial solutions. At all times, the exceptional team of banking, estate planning, trust and investment professionals work together with various wealth partners to help our clients create wealth, preserve and protect it, and pass it on to the generations that follow.

Members of TD Waterhouse Private Client Group include: Private Banking, Private Trust, Private Investment Counsel, Insurance Services and Private Client Service centres.

TD Waterhouse Private Investment Advice (TDW PIA) is one of Canada's premier full-service brokerage firms for clients who want to stay involved in all decisions about their investment portfolios. TDW PIA offers clients the opportunity to establish a one-on-one relationship with a dedicated and professional Investment Advisor, while maintaining active participation in the decisions regarding their financial affairs. Private Investment Advisors will conduct an in-depth review of the client's financial goals, philosophies and risk tolerance, and work with them to develop comprehensive and customized financial solutions to meet their needs. The Private Investment Advisor will focus on Investment and Retirement Planning as well as provide advice on estate planning, insurance needs and tax planning strategies.

Private Account Executive
Minimum Qualifications for Hire3-5 years industry experience, with emphasis on sales
CSC and one of the following:
PFPC, PFP, CFP
LocationsAcross Canada
Purpose of RoleThe role of the Private Account Executive involves educating TD Canada Trust Retail Branch staff on the Private Client Group offering and coaching retail staff in identifying potential referral opportunities. The Private Account Executive will meet with prospective clients and perform a comprehensive wealth planning diagnostic, engaging the necessary professionals from within the TDW PCS centres to provide solutions that meet the financial needs of clients.
Where Might this Take You?Role is suitable as a long term professional career path, with a focus on ongoing business development.


Private Banker
Minimum Qualifications for Hire3-5 years industry experience
Completion of CSC, PFPC, Manager's compliance and WMT course within a defined time frame.
LocationsAcross Canada
Purpose of RoleTo provide exceptional ongoing services to an assigned group of high profile clients consisting of professionals, executives and other high net worth individuals. The Private Banker assists and advises clients on matters pertaining to savings and investment as well as credit needs including personal and commercial loans, mortgages and lines of credits.
Where Might this Take You?Role would be suitable as a long term career path in other relationship management roles with the high net worth client base. Opportunities to move into more senior management positions within Private Banking or other Wealth businesses.


Portfolio Manager, Private Investment Counsel
Minimum Qualifications for HireMinimum 2 years investment experience and eligibility for OSC registration
CFA Level 2 or above
LocationsAcross Canada
Purpose of RoleResponsible for maintaining and growing a client base of high net worth individuals and determining the appropriate portfolio structure for clients' asset mix, geographic/currency diversification, and equity and fixed income styles.
Where Might this Take You?Role would be suitable as long term career path, focusing on discretionary money management to high net worth individuals. Opportunities would also exist to move into more senior management positions within the business line.


Associate Portfolio Manager, Private Investment Counsel
Minimum Qualifications for HireMinimum 2 years investment experience and eligibility for OSC registration
CFA Level 2 or above
LocationsAcross Canada
Purpose of RoleResponsible for maintaining and growing the client base and determining the appropriate portfolio structure for clients' asset mix, geographic/currency diversification, and equity and fixed income styles.
Where Might this Take You?Role would be suitable as long term career path, focusing on discretionary money management to high net worth individuals. Opportunities would also exist to move into more senior positions within the business line.


Private Client Service Associate, Private Investment Counsel
Minimum Qualifications for Hire1-3 years industry experience, with focus on investment & administration
CSC
LocationsAcross Canada
Purpose of RoleProvide consistent and accurate administrative, analytical, and service support to the Portfolio Manager. Act as a secondary contact for the Portfolio Manager's client relationships.
Where Might this Take You?Role would be suitable for a long term career path in the investment industry. Possible next steps would include potential to move into the Associate Portfolio Manager role or other support roles within Wealth Management.


Private Client Service Associate, Private Trust
Minimum Qualifications for HireUndergraduate Degree or Community College Diploma preferred
Enrollment/working towards: Canadian Bankers - Introduction to Estates and Trusts Administration, Canadian Securities Course, I.C.B. designation
LocationsAcross Canada (Private Client Service Centers)
Purpose of RoleThe Private Client Service Associate provides administrative support to Relationship Managers, for a group of estate, trust and agency accounts. This includes meeting client needs, responsibility for day to day estate issues and coordination of information passing to and from administration units and other internal departments to ensure timely completion of activities.
Where Might this Take You?Next steps for Private Client Service Associates might be (dependent on experience/accreditation) a Trust Associate or a Trust Officer.


Trust Officer, Private Trust
Minimum Qualifications for HireUniversity Degree
Canadian Bankers - Introduction to Estates and Trusts Administration, Sales - Relationship Selling
Canadian Securities Course,
Working towards I.C.B. designation.
LocationsAcross Canada (Private Client Service Centers)
Purpose of RoleThe position is responsible for the management of a group of estate and trust accounts involving professional practice and the exercise of judgment in discretionary matters and supervision of tax, investment and administrative services provided by other areas of the Company. The role includes establishing and maintaining relationships with clients (beneficiaries and co-trustees).
Where Might this Take You?The Trust Officer is working towards becoming a specialist in the provision of Estate and Trust Administration, and works towards completion of the Trust Officer Training Program or equivalent I.C.B. courses as prescribed by the Professional Practice Group. The Trust Officer progresses to more senior levels by demonstrating ability to manage larger number and complexity of accounts, assuming greater decision making authority, sharing expertise through formal training and mentoring. Next steps for Trust Officers might be Senior Trust Officer or Executive Trust Officer.


Sales Assistant
Minimum Qualifications for HireCSC
Post hire must meet licensing requirements including CPH and & 90 day training
LocationsAcross Canada
Purpose of RoleThis role provides assistance to a dedicated individual or team of Investment Advisors. Provides quality, efficient support on multiple assignments and day to day running of the business including: processing of client applications and executing trade orders, completing reports, supporting marketing efforts, addressing client concerns
Where Might this Take You?Role is suitable for those with an interest in pursuing a career as an Associate Investment Advisor, and/or a Developing Investment Advisor. This role also provides a foundation for other advisory roles in Wealth Management such as Financial Planning.


Developing Investment Advisor
Minimum Qualifications for HireCSC
Post hire must meet licensing requirements including CPH and & 90 day training to attain their Registered Representative status
Proven track record of success in a sales and/or relationship role
Insurance licensing must be completed with 12 months of start date
LocationsAcross Canada
Purpose of RoleDeveloping Investment Advisors participate in a 40-month training program to become top-notch investment professionals who will help clients reach their financial goals and dreams. This role provides the required foundation for becoming a seasoned Investment Advisor with TD Waterhouse. Focus for the Investment Advisor is to attract and manage the financial assets of affluent individuals and small business owners, providing investment strategies and offering financial, insurance and estate planning advice, while using TDW PIA products and services.
Where Might this Take You?Becoming a successful Investment Advisor leads to a long term professional career path, with a continuous focus on growing a book of business. Next steps may include Branch Management roles with Private Investment Advice.

TD Mutual Funds

TD Mutual Funds are managed by TD Asset Management Inc. (TDAM), a member of TD Bank Financial Group, and is one of Canada's largest asset managers. In total, TDAM and its affiliates manage billions of dollars for mutual funds, pension funds, corporations, institutions, endowments, foundations, and high net worth individuals.

TD Mutual Funds is a multi-channel distribution, multi-product mutual fund complex and is one of the most broadly diversified mutual fund families in Canada, managing more than 60 mutual funds, 15 professionally managed portfolios and segregated funds. Their products are distributed through TD Canada Trust Retail branches, TD Waterhouse, independent brokers, financial planners and insurance agents.

Regional Sales Manager (RSM) - National Sales Team
Minimum Qualifications for HireMust be licensed to sell Mutual Funds
Thorough understanding of the TD Canada Trust Retail Branch network is critical
Completion within 12 months of hire, one of the following: PFPC, PFP or CFP
Licensed to sell Mutual Funds and 3-5 years relevant industry experience
LocationsAcross Canada
Purpose of RoleThe Senior Sales Manager position is responsible for maximizing sales of TD Mutual Funds through the TD Waterhouse Financial Planning Channel within an assigned region. As an internal wholesaler, the Senior Sales Manager will provide sales support, training, education, coaching and business building tactics in their assigned region. The SSM will also act as a liaison between the Regional Managers -TD Waterhouse Financial Planning along with individual Financial Planners and TD Mutual Funds to ensure inquiries regarding product solutions are addressed.
Where Might this Take You?Career development options include Financial Planner, Business Development Manager, and other business development/sales roles within TD Bank Financial Group businesses.


Business Development Manager (BDM) - Broker/Dealer Group
Minimum Qualifications for HireCSC and/or Canadian Investment course
Customer service & sales experience within the financial service industry with "cold calling" experience
Outstanding customer service & relationship building skills
Bilingualism an asset (English & French)
LocationsToronto
Purpose of RoleIn this key Inside Sales role, the Business Development Manager will support two Regional External Wholesalers to prospect and/or maintain business relationships with external Brokers/Planners/Financial Advisors within a defined territory. The goal of the position is to increase the market share of TD Mutual Funds within the industry by promoting the products and services to existing clients while soliciting prospective clients. This role will provide an opportunity to develop sales techniques and relationship management skills with a sophisticated clientele with potential career advancement within the sales department.
Where Might this Take You?External wholesaler within TD Mutual Funds Broker/Dealer Business. Other career development options include Financial Planner and other business development/sales roles within TD Bank Financial Group.


Regional Sales Manager (Wholesaler) - Broker/Dealer Group
Minimum Qualifications for HireCSC/IFIC
Industry Sales experience preferred with existing relationships
Preference for industry accreditations (CFA, CFP, FCSI)
Bilingualism an asset (English & French)
Strong relationship management with Clients
LocationsAcross Canada
Purpose of RoleThe Regional Sales Manager is responsible for maximizing sales of TD Mutual Funds and TD GIF II to Investment Advisors and Financial Planners in the Broker/Dealer Channel. Focusing on an assigned region you will develop a thorough understanding of the investment, business development and service needs of advisors and prospects by maintaining regular contact with them in both business and social interaction.
Where Might this Take You?Potential career advancement to role of Director, Regional Sales Broker/Dealer Group to lead team of RSM's. Role is suitable as a long term professional career path with a focus on ongoing business development or other Regional Manager sales roles.

TD Wealth Management Operations

TD Wealth Management Operations is the operational engine of TD Wealth Management. Wealth Management Operations supports all of TD Waterhouse Distribution channels, TD Mutual Funds, TD Asset Management, and TD Securities. Wealth Management Operations' commitment to operational excellence provides our clients with confidence in TD Wealth Management's extensive product and service offerings. The four operational core tenets are:

  • excellence in client service
  • management of risk
  • high data integrity
  • value added productivity enhancements
Fund Accountant
Minimum Qualifications for HirePost-secondary education in business, finance and/or accounting
Canadian Securities Course is considered an asset
Work towards an accounting designation is also considered an asset
LocationsToronto
Purpose of RoleFund Accountant provides accurate, complete and timely processing of all components of mutual fund valuation for an assigned number of mutual funds (bank reconciliation, dividend and bond income reviews, review of trades, expense analysis, portfolio holdings review, security valuation changes). This includes complying with regulatory requirements, and preparation of the annual distribution calculations and tax reporting.
Where Might this Take You?The structure is such that the next level is a Senior Fund Accountant, Supervisor, Fund Accounting, then Manager, Fund Accounting. Other career options include Fund Accountant or Senior Fund Accountant as well as an Analyst role within TD Asset Management.


Credit Officer
Minimum Qualifications for HireCSC and DFC (Options Course)
Knowledge of the rules and regulations as they relate to securities trading in cash and margin accounts
Familiarity with in-house margin lending policy as it relates to portfolio diversification, concentration and procedures and practices relating to authorizing the release of funds and securities
LocationsToronto
Purpose of RoleA Credit Officer works with our business partners and clients to explore service solutions while continually ensuring our existing policies and procedures remain effective and competitive. Main accountability of the role is to provide timely and accurate processing of journals and funds release.
Where Might this Take You?Opportunities are vast within Operations, Wealth Management, and all of TD Bank Financial Group.


Business Consultant
Minimum Qualifications for HireFamiliarity with analysis techniques and tools including process analytics and process mapping documentation as well as strong written and verbal presentation skills
LocationsToronto
Purpose of RoleThe role is expected to lead business process improvements and from inception to implementation for the business partner they support. Colleagues, business partners and clients will look to this role to lead the completion and delivery of detailed/complex and/or comprehensive deliverables within the context of a process improvement, while providing guidance and direction for data collection and analysis to a core team of Business Analysts. The candidate will be expected to become familiar with process improvement disciplines.
Where Might this Take You?Opportunities are vast within Operations, Wealth Management, and all of TD Bank Financial Group.


Operations Officer
Minimum Qualifications for HireExcellent customer service skills
Strong attention to detail
Strong communication skills
Strong time management and organizational skills
Ability to work in a team
Proficiency in MS Office
Post- secondary degree an asset
LocationsToronto
Purpose of RoleEach department is responsible for certain business mandates, these include: new client account openings, account transfers, clearing and settlement of securities transactions, account administration and maintenance, complaint resolution, credit and cash management, data processing, fund valuation and tax reporting.
Where Might this Take You?Opportunities are vast within Operations, Wealth Management, and all of TD Bank Financial Group.


Supervisor
Minimum Qualifications for HirePost-Secondary education required
University degree an asset
Canadian Securities Course (CSC) and/or relevant Investment Fund Institute of Canada (IFIC) courses an asset
LocationsToronto
Purpose of RoleThis position is responsible for providing strong leadership and direction in delivering exceptional customer service and problem resolution to TD employees. The Supervisor is responsible for understanding and moving the team towards a shared vision and is able to handle multiple assignments that range in scope and complexity.
Where Might this Take You?Opportunities are vast within Operations, Wealth Management, and all of TD Bank Financial Group.