Director – Payments Business Architecture Lead

Work Location:

New York, New York, United States of America

Hours:

40

Line of Business:

TD Securities

Pay Detail:

$150,000 - $215,000 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.

Job Description:

Preferred Qualifications:

Global Payment and Deposit Solutions (GPDS) builds and transforms the operating model and infrastructure capabilities that support the Payments and Deposit Services of TD Securities. Our mission is ‘To Deliver World Class Service’ to all internal and external clients as we place a focus on people, processes, and controls. To achieve this, we need great people that are innovative, customer-focused and have a continuous improvement mindset along with strong knowledge of payments and deposits.

GPDS is a rapidly evolving and dynamic team and for highly motivated professionals looking to make an impact. We are looking for individuals who will help us shape the Future of Payments for TD and continue to build TD's presence and influence within the industry. We are responsible for the delivery of TD's Payment Modernization Program including regulatory, cybersecurity, payment products, SWIFT, and Correspondent Banking Services related projects for TD's global footprint. Our projects are designed to deliver the future of payments, including innovative business services, data models, and best in class technology infrastructures that support over $5 Trillion (and rapidly growing) worth of payments daily.

Position Overview:

This position is for a Business Architect in our Payment and Deposits Solutions team and requires subject matter expertise in Payment & Deposits product domains and substantial knowledge in product capability ownership. The candidate will be responsible for design of payment and deposits solutions across the enterprise.  This will be accomplished by integrating knowledge of how Payments and Deposits functions deliver outcomes for multiple business areas at leading financial institutions. The role involves interpreting business challenges, leading cross-functional projects, and developing new solutions to meet our future client needs.

Job / Role Responsibilities:

Strategic Architecture & Design

• Define and maintain the enterprise payments architecture roadmap to support corporate banking and treasury services.
• Align payments capabilities (ACH, wires, RTP, SWIFT, card rails, and cross-border) with overall business strategy and client needs.
• Translate business objectives into target-state architectures, ensuring scalability, resiliency, and compliance.
• Partner with product management to design solutions that enable new payment services, revenue models, and customer experiences.
• Assess current-state payments processes, systems, and customer journeys to identify gaps and optimization opportunities.
• Develop future-state models (capabilities, data flows, process maps) that enable seamless end-to-end payments execution.
• Ensure alignment of payments processes with ISO 20022 standards, regulatory mandates, and clearing/settlement requirements.
• Collaborate with technology teams to design integration patterns for core banking, ERP, treasury management, fraud/risk, and liquidity platforms.
• Drive adoption of modern APIs, microservices, and cloud-based payments solutions.
• Define architectural guardrails to ensure system interoperability, real-time data availability, and operational resilience.
• Continuously monitor industry advancements (blockchain, CBDCs, AI in fraud prevention) to assess impact on corporate payments.
• Advise senior leadership on emerging payments trends (real-time payments, open banking, digital currencies).

Modern Way of Working:

• Employ Agile, Product Owner mindset, Shift Left testing methodologies and best practices utilizing collaborative tools like Jira, JTMF, and Confluence to ensure projects progress in the right direction.
• Keep current on emerging trends, tools, and techniques to improve product development and delivery, including best practices from Design Thinkin