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About the Role

The Product Owner I ensures a development team delivers customer-focused product increments by aligning with product vision, maintaining a prioritized backlog, managing blockers, and assessing customer feedback. This role oversees the end-to-end management of assigned products, services, and programs, focusing on meeting customer needs and profit objectives. It acts as a source of innovation driven by customer insights and aims to improve the customer/employee experience.

Responsibilities

Ensure a development team is creating value for the organization through the delivery of customer-focused product increments.
Align with other Product Owners and senior management to follow a product vision.
Create and maintain a prioritized product backlog.
Manage delivery blockers.
Continuously assess customer feedback.
Oversee the end-to-end management of assigned products, services, and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Bank's profit and loss objectives.
Manage a particular product or function supporting in the achievement of a business strategy.
Act as a source for innovation led through customer insights and creating a better customer/employee experience with a particular product.
Be accountable for business results and product sales, working with Acquisition teams to ensure widget/volume targets are met.
Own the Easy Apply deposit account onboarding experience as a product area.
Define, prioritize, and manage the product backlog focused on customer experience improvements.
Translate business, customer, and risk requirements into user stories and features.
Partner with backend and architecture teams to deliver scalable, compliant solutions.
Collaborate closely with risk and controls partners to ensure fraud protections are designed into the flow without unnecessary customer friction.
Support agile delivery and release execution.
Be accountable for specialized product development support based on sound product expertise and knowledge of Agile/Scrum processes, roles and practices.
Integrate knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operations.
Interpret internal/external business challenges and the industry environment, recommending course of action and best practices to improve products, processes or services.
Lead and integrate cross-function understanding within their own field of specialty, and/or projects with significant resource requirements, risk and/or complexity.
Solve or lead others to solve complex problems; lead efforts or partner with others to develop new solutions.
Use sophisticated analytical thought to exercise judgment and identify solutions.
Impact the achievement of sub-function or business line objectives within the area they are accountable for.
Communicate difficult concepts; convert information to compelling business context and advice; influence and gain alignment across increasingly senior stakeholders.
Work autonomously as the lead and guide others within area of expertise.
Partner with senior management to support the delivery of a product vision.
Create and maintain a product backlog that will provide the most customer or end user value in alignment with the product vision.
Continuously align with senior management on the product delivery roadmap, defined Minimum Marketable Features or Minimum Viable Products and release cadence.
Review performance analytics; recommend and champion strategies to enhance the customer or end user product experience.
Proactively engage established business process partners to ensure customers or end users are prepared for application changes and establish Day 2 processes.
Proactively raise issues that impede the efficient delivery of customer-focused increments.
Develop and maintain a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition.
Develop and implement products/policies and procedures in such a way that it enhances the end-to-end customer experience (including training, enhancement and irritant reduction) while achieving business objectives.
Act as Subject Matter Expert for product-related inquiries.
Lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact.
Liaise with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyze challenges and identify areas of opportunity through customer research, focus groups, and external secondary research; facilitate ideation sessions and build necessary business cases for NPD, identifying solutions and building stronger plans for growth.
Build and maintain effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives.
Lead and facilitate problem-solving sessions with partners and vendors.
Design end-to-end process for development, implementation, use, reporting and feedback on developed products and segments.
Participate in the day-to-day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiatives.
Adhere to enterprise frameworks or methodologies that relate to activities for own business area / journey.
Ensure on-going strategic alignment with senior management, providing feedback as appropriate.
Understand the internal business and technical environment, proactively defining, aligning or integrating with relevant stakeholders, shared services control groups (or platform as appropriate.
Proactively manage business stakeholders to obtain inputs needed for product development in a timely manner.
Monitor the regulatory environment and partner with senior management to consider changes to product strategy as needed.
Actively coordinate and engage in risk, quality and/or business testing management.
Be empowered to make product delivery decisions, escalating to senior management as appropriate.
Actively communicate to business, technology and senior management regarding product changes and backlog priorities.
Work cohesively with peers to reinforce Agile processes.
Compile performance metrics and share with relevant stakeholders.
Define the OKRs in partnership with numerous stakeholders across the organization.
Protect the interests of the organization; identify and manage risks, and escalate non-standard, high-risk activities as necessary.
Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
Deliver financial results for the product / product suite via operation of all available ‘levers’: pricing, margin, volume etc., create and deliver business cases to achieve strategic business results (acquisition, retention, customer experience, engagement and market share).
Support Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentations, (product reviews, planning and forecasting, strategic review sessions).
Conduct ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the market place.
Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques.
Ensure effective product policies and processes are established to support business processes align with risk appetite.
Oversee product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables.
Champion the development of the annual business plan and the monthly/quarterly forecast process.
Participate and collaborate on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards.
Develop / maintain productive working relationships with distribution channel owners.
Be knowledgeable of and comply with Bank and Industry Codes of Conduct.
Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues / points of interest.
Provide thought leadership and / or industry knowledge for area of expertise in product area and participate in knowledge transfer within the team and business area / journey.
Participate in personal performance management and development activities, including cross training within own team.
Keep others informed and up-to-date about the status / progress of delivery and / or all relevant or useful information related to day-to-day activities.
Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
Contribute to a fair, positive and equitable environment that supports a diverse workforce.
Act as a brand ambassador for the business area / journey and the bank, both internally and / or externally.
Provide thought leadership and / or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit.

Requirements

Undergraduate degree and / or product certificate.
7+ years relevant experience.
3-5 years Product Owner or Agile related delivery experience.
Certified Scrum Product Owner (CSPO) certification and project management experience considered an asset.
Scaled Agile Framework (SAFe) certifications or experience operating in scaled agile delivery considered an asset.

Skills

Product Owner
Agile
Scrum
Scaled Agile Framework (SAFe)
Product Management
Customer Experience
Risk Management
Business Strategy
Innovation
Data Analysis
Stakeholder Management
Communication
Problem Solving
Teamwork
Mentorship

Location

Mount Laurel, New Jersey, United States of America

Work Type

Full-time

Experience Level

7+ years relevant experience
3-5 years Product Owner or Agile related delivery experience

Education Level

Undergraduate degree
Product certificate
Certified Scrum Product Owner (CSPO)

Salary/Compensations

$91,000 - $136,240 USD

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

About the Company

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 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.
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.
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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
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.
Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior.
In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care.
No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.
Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported.
We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.
Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future.
That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative.
Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health.
It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Equal Opportunity

TD Bank is an equal opportunity employer.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com.
Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.