Product and Services

The focus of the Personal Lending and Credit Card Product Group is to build and maintain strong product offerings that maximize contribution to TDBFG profitability, complement the retail suite of products and help strengthen customer relationships with TD Canada Trust. The credit card business exceeds the average growth of retail financial services, and TD Visa is aggressively growing market share by outpacing the competition.

The Credit Card Product Group located in Toronto, Ontario, is responsible for the overall product management of credit card programs. This includes new customer acquisition, account management, new product development, pricing and management.

The Personal Lending Product Group is responsible for strategy, business planning, acquisition, account management and product development for all Unsecured Personal Lending products including Loans, Lines of Credit and Overdraft Protection.

Core Banking is the cornerstone of a customer's relationship with their bank! The Core Banking & Debit Payments team located in Toronto, Ontario, is responsible for the management of day-to-day deposit accounts for personal customers, as well as the Debit Payments business. With over 70% of all TD customers holding a Core Banking account, the scope of the business is quite significant, including product management, product support, process improvement, and financial and data analysis support.

The Term Investments team located in Toronto, Ontario, is responsible for the management of all Term products including GICs and Term Deposits –both registered and unregistered. The scope of the business includes product management, product support, process improvement, strategy development, profitability, acquisition/retention, and financial and data analysis support.

The Real Estate Secured Lending (RESL) team is comprised of a Product Group, a Business Analysis and Operations Group as well as a Sales and Support Team. The RESL Product and Business Analysis and Operations teams located in Toronto, Ontario, are responsible for the management of all Real Estate Lending Products offered by TD. The scope of the business includes product management, product support, process improvement and financial and data analysis support. The Real Estate Lending Sales teams are responsible for the delivery of both sales and service using credit products such as Mortgages, Home Equity Lines of Credit, Loans and VISA. The sales channels include the Mobile Mortgage Specialists, Broker Sales, Builder Development and Personal Credit Sales. With locations across Canada, these sales driven channels operate in a fast-paced and challenging market-driven environment focused on quality customer service and immediate deliverables.