Product Group Technology Lead (CIAM - Secure Onboarding & Identity Proofing)

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Pay Details:

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:

Identity is where trust begins – and where fraud begins too. Synthetic identities, stolen credentials, deepfakes and AI-generated documents are making it harder than ever to answer the most fundamental question in banking: is this person who they claim to be? We need a solid, forward-looking technologist to lead our Identity Technology practice within Customer Identity & Access Management, part of Enterprise Protect.

This is a global role with end-to-end ownership of TD's identity verification and proofing technology across the North American footprint. You will lead the engineering, delivery and operations of the services that establish and verify customer identity at account origination and at every high-risk moment thereafter – including document verification services (DVS), biometric and liveness verification, out-of-wallet / knowledge-based verification through credit bureau integrations, and trusted digital identity network services such as Interac verification and document services.

We're looking for an individual with a strong engineering background – hands-on depth in identity verification platforms and full stack development – combined with experience managing multi-million-dollar, complex technology delivery portfolios. More importantly, we need someone who thinks beyond tactical solutions, sees the strategic “big picture” from an Enterprise and global perspective, and delivers innovative, modern, scalable and sustainable identity solutions for the Bank.

This role reports directly to the AVP, Customer Identity & Access Management Engineering, with end-to-end accountability for the global identity verification portfolio supporting customer onboarding, KYC-aligned identity proofing, and step-up verification across TD's digital, mobile, branch, contact centre and partner channels.

You are an experienced IT Engineering Leader with the passion and vision to deliver quality, modern identity systems. You're a self-starter with the courage to challenge the status quo, and you embrace a collaborative and innovative approach to problem-solving. The successful applicant will be a key figure in TD's digital identity journey and will execute on major strategic initiatives end to end – here's your chance to put your mark on something.

Role Accountabilities:

Strategic

• Own the technology applications and services related to customer identity verification and proofing for TD globally – from strategy to execution to support;

• Own the strategic direction for TD's identity verification capability stack – document verification (DVS), biometric/liveness verification, out-of-wallet knowledge-based verification, credit bureau identity services, and digital identity network integrations (e.g., Interac) – as part of the larger North American identity roadmap;

• Oversee and be accountable for the end-to-end delivery and operations of identity technology solutions with a clear focus on strategic planning, client communication, resourcing, and financial costs on a long-term basis;

• Accountable for the end-to-end technology product roadmap and engineering leadership for Identity, including design, development, testing and deployment – leveraging test automation, CI/CD and modern DevSecOps practices on Azure;

• Drive the modernization of identity verification – orchestrating document, biometric, bureau and network-based signals into risk-appropriate verification journeys – in partnership with Fraud, AML/KYC, Cyber and Channels partners;

• Defend the front door: evolve TD's defenses against synthetic identity, AI-generated documents, deepfakes and identity-enabled fraud, in step with a rapidly shifting threat landscape;

• Ensure a full understanding of business requirements and apply knowledge to escalate/prioritize delivery of new and existing projects;

• Accountable for alignment of identity technology solutions with TD technology strategies, and with Enterprise Protect, AML/KYC, Channels, Payments and business-line strategies (Target Operating Model Architecture end state);

• Act as an integrator of solutions; understand industry digital identity trends (verifiable credentials, digital identity wallets, government digital ID programs, identity networks) and target-state capability to provide flexible next-generation approaches that balance customer experience with security, regulatory obligations, cost and risk;

• Ensure ongoing focus on reusability, scalability, and enterprise-wide identity services – one verification capability consumed by many journeys – to maximize returns on the identity applications/platform suite across all markets;

• Coordinate identity technology efforts across all CIO organizations, ITS, Architecture, OCISO, ED&A, and other delivery partners;

• Ensure operational, reputational, and regulatory risks (including KYC/AML identity obligations and privacy requirements for biometric and personal data) are understood; provide advice toward minimizing risk and escalate where appropriate;

• Maintain proficient knowledge of the competition, customer / industry trends and identity technology innovation; identify opportunities for research and suggest solutions as appropriate;

• Ensure alignment of vendor technology roadmaps (document verification, biometric, bureau, Interac and digital identity network providers, alongside Transmit Security, Ping Identity and Microsoft) to TD technology strategy;

• Communicate business vision / goals and portfolio priorities to team members; and

• Be a leader with influence – promote and drive synergies and common identity solutions across Enterprise Protect.

Tactical (Delivery)

• Act as the “go-to” for your counterparts to provide secure, stable identity verification solutions to business problems and requirements;

• Responsible for oversight and delivery of technology projects across the global Identity practice, spanning Canadian and U.S. platforms and vendor services;

• Establish the approach for technology deployments and manage cross-platform, cross-vendor and cross-border dependencies to align with the integrated plan and reduce risk of organizational constraints;

• Work with business leaders to confirm solutions are functionally aligned to a fit-for-purpose product vision;

• Partner with clients/businesses in developing business cases, RFI/RFP, contracts, service level agreements, etc. consistent with business objectives and technology standards/architecture;

• Oversee and support the demand management process from intake through final approval and initiation of delivery execution with respective management teams, business partners, and stakeholders; and

• Track major project deliverables; communicate updates; support initiatives intended to reduce time-to-market and contain costs.

Portfolio Management

• Monitor and manage capacity forecasting process compliance among Technology Delivery Leads and report on progress, status, and overall health of the portfolio and the individual applications;

• Lead the development of total cost of ownership estimates for applications and services across the Identity practice – including per-transaction verification costs across vendors – and monitor and track to established plans in partnership with Finance and Business Management;

• Assess change requests and issues across the portfolio and identify key items for reporting;

• Manage day-to-day vendor relationships across the identity verification ecosystem (document verification, biometric, credit bureau, and digital identity network providers such as Interac) and monitor progress, service levels and value realization against established work agreements;

• Work with the Technology Asset Owner team to define and manage end-to-end application and systems lifecycle management for each technology asset within the Identity portfolio;

• Grow the expertise of your team to align with demand and technology direction; assess team skills and capabilities and continually look for ways to provide and enhance the value delivered;

• Foster a culture that encourages productivity, innovation, process improvement, teamwork and a high level of professionalism;

• Prioritize and manage own workload in order to deliver quality results and meet timelines;

• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency of your team; and

• Establish effective relationships across multiple business and technology partners, program and project managers.

Job Requirements

• Undergraduate or Graduate degree, or Technical Certification;

• 10+ years of relevant experience in technology engineering, technology leadership, delivery, operations and/or application management roles;

• Proven hands-on expertise in identity verification technology is a must – ideally with two or more of: document verification services (DVS), biometric/liveness verification, out-of-wallet / knowledge-based verification, credit bureau identity services, or digital identity network integrations (e.g., Interac verification and document services);

• Working knowledge of enterprise CIAM/IAM platforms – Transmit Security, PingFederate, PingDS (Ping Directory), PingAM (Access Management), or comparable – and how identity verification services integrate into customer journeys on these rails;

• Understanding of identity proofing and assurance frameworks and standards (e.g., NIST 800-63A, KYC/AML identity requirements) and of privacy considerations for biometric and personal data;

• Strong cloud engineering experience on Microsoft Azure (AKS/containers, networking, security, IaC, monitoring) and DevOps/DevSecOps practices (CI/CD, automated testing, pipeline security);

• Full stack development background – API-first design (REST, event-driven architecture), backend services (e.g., Java/Spring, Node.js), and modern front-end frameworks – with the credibility to lead and review engineering work;

• Knowledge of financial services, fraud, synthetic identity, and/or KYC/onboarding environments is a definite asset;

• Understanding of strategic direction, financial management, and a deep knowledge of TD's technology environment and standards (or an equivalent large-scale technology environment);

• Proven track record of building and leading diverse, highly skilled, and globally distributed teams of technology and engineering talent, with the trust and confidence to empower your employees to solve problems and make decisions while maintaining speed of delivery;

• Promote a collaborative culture with a sense of ownership, accountability and transparency;

• Strong analytical and problem-solving skills with attention to detail;

• Strong people, time management and organizational skills, with the ability to work with minimal supervision in a fast-paced environment and deliver high-quality work;

• Excellent interpersonal and communication skills, both written and verbal, to communicate complex identity and security concepts in easily understandable terms;

• Self-starter with high initiative and the ability to learn and adapt quickly;

• A good understanding of TD's organizational structure, businesses and operational footprint globally;

• A willingness to speak up and offer a differing opinion when your gut tells you an idea is wrong – but also the forethought to be part of the solution by recommending an alternate option; and

• Good judgment in understanding which issues to escalate, what to resolve independently, and providing suggestions for possible resolution.

Additional Information

Join in on what others in TD Technology Solutions are doing:

• Inspire a positive work environment and help champion quality, innovation, teamwork and service to the business;

• Learn voraciously, stretch your thinking, share your knowledge and educate others;

• Communicate and collaborate with both technical and non-technical professionals;

• Cultivate winning relationships by building trust with business and technology partners;

• Share our commitment to productivity, effectiveness and operational efficiency; and

• Embrace change and witness amazing things happen – from the inside.

Make your mark. Join a dynamic team. Explore new ideas. This is your opportunity to impact the future of banking technology in areas and ways you've never imagined (at a bank)! Visit techjobs.td.com to learn more.

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment and interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

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):