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About the Role

Own and optimize RBC's corporate card program portfolio globally, spanning Purchasing Cards, Ghost Cards, and corporate credit programs. Partner with leading card vendors and ensure seamless integration with expense management systems. Serve as the internal thought leader on corporate card market trends and best practices, advising leadership on emerging opportunities and competitive positioning. Balance vendor management, product optimization, compliance, and user experience while managing program efficiency and cost savings across North America, Caribbean, Europe, Asia, Australia, and emerging markets. Drive strategic enhancements that improve employee and supplier experience.

Responsibilities

Manage multi-product vendor partnerships (P-Cards, Ghost Cards, corporate credit programs); monitor SLAs, conduct quarterly business reviews, and negotiate contracts with competitive intelligence
Oversee ghost card lifecycle management including creation, supplier assignment, spending limits, reconciliation, deactivation, and fraud monitoring across all geographies
Develop deep expertise in corporate card market trends, competitive offerings, and industry best practices; synthesize intelligence into strategic recommendations for leadership
Conduct competitive benchmarking analysis of RBC's programs against peers; prepare annual competitive analysis reports and advise on market positioning and investment decisions
Ensure seamless integration between corporate card processors and expense platforms (SAP Concur, Coupa) for automatic expense capture, transaction reconciliation, and policy compliance
Develop and maintain compliance frameworks aligned with PCI-DSS, AML/OFAC, and applicable regulations; establish fraud detection policies and ghost card usage controls
Create management dashboards tracking spend by card type, business unit, geography, and merchant category; generate monthly/quarterly reports for Finance and business leadership
Champion employee and supplier experience through user feedback collection, training development, and continuous service quality improvements

Requirements

4–7 years of progressive experience in program management, vendor management, corporate card operations, procurement, or payment systems/fintech roles
Minimum 2+ years managing ongoing vendor relationships, contracts, and SLA governance in a financial services environment
Working knowledge of expense management systems (SAP Concur, Coupa, or similar) and card data feed/integration mechanisms
Demonstrated familiarity with corporate card products (Purchasing Cards, ghost cards, corporate credit programs) and vendor market landscape
Ability to research, synthesize, and communicate market trends; translate competitive intelligence into actionable business recommendations
Master's degree (MBA or related) or hands-on experience with corporate card vendors
Direct experience managing P-Card programs, ghost card/virtual card programs, or supplier payment card programs
Background in procurement, accounts payable, expense management, or working capital optimization
Active participation in corporate payments or financial services industry associations/conferences; published thought leadership on corporate payments

Skills

Agile Methodology
Agile Project Management
Artificial Intelligence (AI)
Business Case Design
Business Credit Cards
Business Management
Business Technology
Card Payments
Change Management
Client Satisfaction
Communication
Consumer Trends
Contract Agreements
Cost Management
Credit Card Analytics
Credit Card Fraud
Credit Card Management
Credit Card Operations
Credit Card Reconciliations
Credit Card Services
Credit Card Systems
Credit Markets
Critical Thinking
Customer Transformation

Location

Toronto, Canada

Work Type

Full time

Experience Level

4-7 years experience

Education Level

Master's degree (MBA or related)

Benefits

Bonuses
Flexible benefits
Competitive compensation
Commissions
Stock options
Coaching and managing opportunities
Flexible work/life balance options

About the Company

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC.
We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world.
Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities.
RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

Equal Opportunity

RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.