TD · 16 hours ago
Director – Payments Business Architecture Lead
New York, NY
Full-time
Onsite
Mid, Senior Level
$150K/yr - $215K/yr
7+ years expTD is a leading financial institution committed to delivering world-class service. The Director – Payments Business Architecture Lead will oversee the design of payment and deposits solutions across the enterprise, aligning business objectives with payment capabilities while leading cross-functional projects and advising senior leadership on emerging payment trends.
BankingFinanceFinancial ServicesWealth Management
Responsibilities
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)
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 Thinking and Lean Startup methodologies
Contribute to a culture of innovation, actively seeking ways to enhance capability and performance efficiency
Lead and manage team members, overseeing activities and deliverables aligned with diverse business clients and segments
Foster people development through mentoring, performance feedback, and career succession planning
Build and maintain productive relationships with internal and external partners, acting as an ambassador for the business area and the bank
Effectively engage and update stakeholders, ensuring understanding of project timelines and strategic alignment with senior management
Influence senior stakeholders and guide team members in the area of expertise, managing expectations and collaborating across teams to achieve business objectives
Compile and communicate performance metrics to relevant stakeholders
Convey complex concepts clearly, transforming information into compelling business narratives
Effectively communicate product changes and backlog priorities to stakeholders
Utilize critical thinking and conflict resolution skills to address complex challenges
Recommend best practices for improving products, processes, or services
Solve intricate problems and develop innovative solutions through sophisticated analytical thinking
Qualification
Required
Undergraduate degree required
7+ years relevant experience
3+ years in Project Management, Product Owner, Testing Practices, and/or Agile delivery experience
Certifications such as PMP, Agile Certified Practitioner, or Scrum Product Owner (CSPO) are assets
Substantial knowledge of SWIFT messages, ISO20022, MX and MT formats
Deep understanding of payment systems and methods such as Canada Lynx, US CHIPS, and FedWire, etc
Knowledge of emerging payment rails like Instant Payments
Familiarity with regulatory reporting such as EFTR Fintrac, sanction screening, fraud detection, anti-money laundering (AML), compliance reporting
Understanding of deposit sub-ledger capabilities (like account management, transaction posting, multi-currency handling, interest calculations, liquidity management, controls, and reporting) to drive/ support deposits transformation, an asset
Familiarity with various accounts (Nostro, Vostro, Corporate Customer), and integration of payments services with correspondent account processing, an asset
Understanding of the interaction between payments and deposits operating models and how these serve client needs and use cases
Experience with payment data, canonical models, and payment data mapping
Ability to create and document Target Operating Models (TOMs) and define how opportunities and challenges will be delivered through these TOMs
Proficient in MS Office and collaboration tools like Jira and Confluence
Strong oral and written communication skills
Ability to work collaboratively and independently, exercising sound judgment
Skilled in data analysis and capable of thriving in ambiguous situations
Demonstrated storytelling skills and documentation skills
Preferred
Consulting and / or strategy experience preferred, demonstrating problem-solving, analytical thinking, and effective stakeholder management
Tier 1 bank or financial institution experience preferred
Benefits
Health and well-being benefits
Savings and retirement programs
Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
Banking benefits and discounts
Career development
Reward and recognition
Company
The Toronto-Dominion Bank & its subsidiaries are collectively known as TD Bank Group (TD).
10001+ employees
H1B Sponsorship
TD has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2022 (1)
2020 (6)
Funding
Current Stage
Late StageTotal Funding
$65MKey Investors
U.S. Department of the Treasury
2023-10-03Grant· $65M
Leadership Team
Brian Jacobson
Chief of Staff to the CEO, TD Bank, America's Most Convenient Bank
F
Foster Glenn
Senior Vice President Technology and Data Risk Management
Recent News
2026-01-24
2026-01-24
Company data provided by crunchbase