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Job summary

Provide legal support and advice for Canadian personal banking products, including deposit accounts and money movement services. Draft and negotiate customer agreements while ensuring compliance with the Bank Act and relevant provincial statutes.

Job details

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Legal Pay Details: $165,000 - $210,000 CAD The pay details posted reflect a temporary market premium specific to this role that is reassessed annually. 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: As Senior Legal Counsel, you will have a challenging and diverse practice that will allow you to refine your legal skills every day. You will work as part of a team to provide ongoing support and legal advice primarily to TD’s Canadian Personal Banking business and certain corporate functions that support this business segment. This includes: Providing legal support for change initiatives involving day-to-day banking products, including personal deposit accounts, overdraft protection, and money movement services; Drafting, reviewing and negotiating terms of use and customer agreements and related collateral; Consulting on the drafting and negotiation of third-party contracts, as needed; participating in the product development process, identifying issues and liaising with subject-matter experts (internal and external) to guide relevant TD business segments toward workable solutions; Reviewing internal and external materials for relevant TD business segments, including customer documentation, contracts, policies, procedures, job aids, customer communications and marketing materials; Advising on compliance with Bank Act consumer provisions, related codes/commitments, and select provincial statutes; Reviewing and advocating on new legislation and regulation, including through industry forums; Applying expertise and thinking creatively to address unique or novel matters and working collaboratively with colleagues across business lines and corporate functions to help identify and prevent future legal and regulatory risks; Contributing to colleague development within the Legal Department by discussing relevant legal issues or regulatory developments; Keeping yourself and the TD Legal Department, businesses, channels and corporate areas up-to-date on legal issues affecting your areas of responsibility, including by attending external presentations and conferences and liaising with contacts at other banks, industry forums, law firms, and professional associations as appropriate; Working collaboratively with other members of TD Legal to deliver the highest quality of service; Contributing to high-priority TD Legal Department initiatives, including knowledge management and workflow improvement; and Broader work or accountabilities that may be assigned as needed. Job Requirements: Licensed to practice law in Ontario. Minimum of 7 years of experience practising law in Canada. Experience advising on Bank Act requirements as they relate to day to day banking products. Experience supporting payments products and other digital money movement services such as debit cards, online payments, electronic money transfers and wire payments. Knowledge of financial services, provincial consumer protection, and privacy laws would be an asset. Strong analytical and communication (verbal and written) skills and ability to provide advice in a clear, concise and time-sensitive manner, in both legal and business settings. Strong organizational skills and the ability to work in a fast-paced, detail-oriented environment while managing multiple deadlines and priorities. Ability to think critically and make risk-based decisions. Ability to work independently and as a member of a team. Ability to interact and effectively advise senior officers within TD. Ability to be “solutions-oriented”, have excellent business and legal judgment and an aptitude for working effectively on cross-functional teams. Ability to stay energized, productive and focused in the face of challenges, ambiguity, change or strenuous demands, including the ability to create a supportive environment that helps others become more resilient and productive. Ability to create a welcoming environment that encourages different perspectives and new ideas, and to build a culture of curiosity, openness, and creativity across the organization and the wider community. Ability to work effectively with external counsel. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you! Language Requirement (Quebec only): Sans Objet

What you’ll do

Provide legal support and advice for Canadian personal banking products, including deposit accounts and money movement services. Draft and negotiate customer agreements while ensuring compliance with the Bank Act and relevant provincial statutes.

Requirements

Must be licensed to practice law in Ontario with a minimum of 7 years of experience in Canadian law. Requires specific expertise in banking products, payments, and digital money movement services.

Benefits

• Health and well-being benefits
• Savings and retirement programs
• Paid time off
• Banking benefits and discounts
• Career development
• Reward and recognition programs

Listed skills

• Regulatory Compliance · Preferred
• Risk Management · Preferred
• Negotiation · Preferred
• Critical Thinking · Preferred
• Product Development · Preferred
• Communication Skills · Preferred
• Stakeholder Management · Preferred
• Cross-Functional Collaboration · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Legal advice
• Banking law
• Contract drafting
• Regulatory compliance
• Product development
• Risk management
• Analytical skills
• Communication skills
• Negotiation
• Financial services
• Privacy law
• Consumer protection
• Stakeholder management
• Critical thinking
• Cross-functional collaboration
• Legal Support
• Banking Products
• Workflow Management
• Organizational Skills
• Curiosity
• Time Off Management
• Solution-Oriented
• Resilience
• Advocacy
• Marketing Materials
• Banking
• Financial Institution
• Investments
• Communication
• Consulting
• Retail Banking
• Consumer Protection
• Training And Development
• Creativity
• Critical Thinking
• Customer Communications Management
• Financial Services
• Knowledge Management
• Learning Platforms
• Mentorship
• New Product Development
• Employee Onboarding
• Presentations
• Advising
• Regulatory Developments
• Detail Oriented

Job areas

• Legal
• Finance & Accounting
• Management & Leadership
• Savings Counselor
• Lawyer (General)
• Lawyers