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About the Role

The Margin Accounts Group (MAG) Analyst is responsible for supporting the mitigation of counterparty credit risk through the daily management and monitoring of collateral exposures across OTC derivatives. The role focuses on accurate and timely collateral processing, exposure analysis, dispute investigation, stakeholder coordination, and adherence to established controls and procedures. The successful candidate will develop strong collateral management and risk knowledge while working closely with internal partners, including Front Office, Credit Risk, Legal, Treasury, Settlements, Operations, and Technology, as well as external counterparties. The Analyst will escalate material issues appropriately and contribute to the effective operation of the team.

Responsibilities

Monitor daily VM and IM exposures across assigned collateralized portfolios and issue or respond to collateral calls in accordance with CSA terms and internal procedures.
Prepare and process margin calls, margin tickets, valuation statements, and collateral movements accurately and within established timelines and authority levels.
Investigate collateral disputes, valuation differences, settlement fails, and reconciliation breaks; coordinate resolution and escalate material or aged items.
Perform daily reconciliations, exposure analysis, control checks, and reporting to identify exceptions, concentration risks, and emerging issues.
Support risk and control activities, including quality assurance, operational risk event reporting, business continuity, regulatory deliverables, and procedure updates.
Act as a day-to-day contact for counterparties and internal business partners on collateral calls, disputes, settlements, and operational queries.
Work collaboratively with Front Office, Credit Risk Management, Legal, Operations, Treasury, Technology, and external counterparties to resolve issues promptly.
Provide clear status updates and risk commentary, escalating decisions and complex matters to senior team members as appropriate.
Identify and recommend opportunities to improve efficiency, data quality, controls, and client service within daily collateral processes.
Participate in process-improvement initiatives, testing, regulatory implementations, and technology upgrades under the guidance of senior team members.
Maintain procedures, contribute to automation and reporting enhancements, and support the adoption of new tools and processes.
Collaborate with team members, share knowledge, and provide coverage across assigned processes when required.
Build technical knowledge of collateral, derivatives, legal agreements, systems, and risk controls through training and practical experience.
Demonstrate accountability, attention to detail, sound judgment, and a commitment to continuous learning and a strong risk culture.

Requirements

Undergraduate or Graduate degree in Finance, Economics, Mathematics, Business, Commerce, Risk Management, or a related quantitative discipline.
CFA, FRM, or equivalent professional designation is considered an asset.
Relevant experience in capital markets, collateral management, counterparty risk, treasury, settlements, or derivatives operations is preferred; equivalent education and experience will be considered.
Working knowledge of OTC derivatives, securities financing transactions, collateral agreements (CSA/ISDA), or margining concepts is an asset.
Strong analytical, organizational, problem-solving, communication, and stakeholder-management skills, with close attention to detail.
Ability to manage competing priorities, meet time-sensitive deadlines, and escalate issues appropriately in a fast-paced environment.
Experience with industry-standard collateral management applications; proficiency in risk management tools, data analysis, coding, or related software is considered an asset.

Skills

Collateral Management
Counterparty Credit Risk Mitigation
OTC Derivatives
Exposure Analysis
Dispute Investigation
Stakeholder Coordination
Risk Management
Capital Markets
Treasury
Settlements
Derivatives Operations
Analytical Skills
Organizational Skills
Problem-Solving Skills
Communication Skills
Stakeholder-Management Skills
Attention to Detail
Risk Controls
Process Improvement
Data Analysis

Location

Toronto, Ontario, Canada

Work Type

Full-time

Experience Level

Entry Level
Mid-Level

Education Level

Undergraduate Degree
Graduate Degree

Salary/Compensations

$69,700 - $98,400 CAD

Benefits

Health and well-being benefits
Savings and retirement programs
Paid time off
Banking benefits and discounts
Career development
Reward and recognition programs
Training programs
Online learning platform
Mentoring programs

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.

Equal Opportunity

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.
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.
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.