CIBC
Full-service banking, wealth management, capital markets
Client Associate - IR Licensed, Mandarin Speaking
On-site full-time Monday through Friday.
About the job
- Be fully bilingual in Mandarin and English, in both speaking and writing.
- Hold current accreditation and be in good standing as an Investment Representative with the Canadian Investment Regulatory Organization – Investment Dealer.
- Have experience in the financial services and/or brokerage industry and working knowledge of various quotation equipment.
- Apply critical thinking skills to inform decision-making.
- Be legally eligible to work at the specified location and, where applicable, hold a valid work or study permit.
- Work closely with Investment Advisors at CIBC Wood Gundy to help manage portfolios and develop new business.
- Directly engage with high-net-worth clients to provide support, uncover business opportunities, and proactively improve the client experience.
- Anticipate client needs and communicate promptly with the team to build trust and deepen client relationships.
- Identify activities, processes, and opportunities to improve the client experience.
- Proactively identify business opportunities for the team.
- Support business development activities with Investment Advisors.
- Assist in building investment plans based on clients’ profiles, goals, and risk/reward tolerance.
- Increase brand awareness in the community by attending local events and participating in marketing and outreach activities.
- Grow a professional network to create lasting connections that generate future opportunities.
- Registered Representative licensing is an asset.
About the company
CIBC is a diversified bank serving individuals, businesses, and institutional investors through four units: Canadian Personal and Business Banking, Canadian Commercial Banking and Wealth Management, U.S. Commercial Banking and Wealth Management, and Capital Markets. It offers deposits, loans, credit cards, mortgages, investment management, and advisory services, generating revenue from interest, fees, and trading; services are delivered via branches and digital channels for a smooth client experience. Unlike some peers, CIBC emphasizes a client-centric approach, a broad product range, and a cross-border footprint in Canada and the United States, supported by ongoing digital transformation. Its goal is to serve about 13 million clients in North America with integrated financial services and continuously improve customer experience through digital tools.
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
N/A
Headquarters
null
Founded
N/A
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Simplify's Take
What believers are saying
- Q3 2026 adjusted net income rose 26% to $2.65 billion, showing strong momentum.
- Capital Markets net income jumped 34% year over year in Q3 2026.
- The September 22 tokenized CAD project positions CIBC for programmable payments and faster settlement.
What critics are saying
- Halifax contact-centre employees received layoff notices in September 2026, signaling ongoing restructuring.
- CIBC sold Caribbean Bank Limited, taking a $269 million charge in Q3 2026.
- If tokenized deposits commoditize payments, CIBC loses spread and fee advantages to shared-bank rails.
What makes CIBC unique
- Canada’s six-bank tokenized deposit network includes CIBC, announced September 22, 2026.
- CIBC spans personal, commercial, wealth, and capital markets across Canada and the U.S.
- Q3 2026 earnings show diversified revenue: $8.37 billion, with all four segments contributing.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Unlimited Paid Time Off
Flexible Work Hours
Remote Work Options
Paid Vacation
Employee Stock Purchase Plan
Defined Benefit Pension Plan
Wellbeing Support
Employee and Family Assistance Programs
MomentMakers
Purpose Day
Company News
Caribbean ports urged to become hubs for trade, energy and investment. September 25, 2026 Caribbean ports have an opportunity to capture significantly more economic value from the trade, tourism, and shipping activity already moving through the region. However, doing so will require greater investment in modern infrastructure, energy systems, and regional connectivity. That was among the key messages emerging from "The Port Opportunity: Trade, Tourism and Energy Hubs", a panel discussion at the 10th Caribbean Infrastructure Forum (CARIF), sponsored by CIBC alongside KPMG, in Miami last week. The discussion brought together port and infrastructure leaders from across the region and internationally to examine how Caribbean ports can evolve beyond their traditional roles into strategic hubs supporting trade, tourism, energy security, and economic resilience. Moderated by Jeffrey Newton, CIBC Caribbean Senior Director of Credit Underwriting and Portfolio Management, the panel featured Mehmet Ali Deniz, Global Investment Holdings Group Chief Strategy Officer; Donna Marie Howe, Jamaica Bauxite Mining Limited Managing Director; Derek Newbold, Grand Bahama Port Authority Limited Chief Investment Officer, Business Development Department; and Darwin Telemaque, Antigua and Barbuda Port Authority Chief Executive Officer and Port Management Association of the Caribbean Chairman. Newbold said the region should look beyond simply increasing the amount of cargo passing through its ports and focus instead on capturing more of the economic activity surrounding that movement. "We shouldn't so much be focusing on how much more cargo we can get into our ports. The focus is how can we now capture some of that economic value when the cargo and the commerce is actually moving through our region," he said. That opportunity, he explained, includes investment in cold-chain storage, warehousing, distribution and assembly facilities, maritime services and resilient energy infrastructure. Newbold said attractive infrastructure projects should strengthen at least one of three areas: connectivity, resilience or competitiveness. Telemaque highlighted that modernization has become particularly urgent as much of the Caribbean's port infrastructure dates back decades, while the demands being placed on those facilities continue to evolve. "Time to pay attention to the most critical assets you have on your islands. Put in the right investments and empower your industries," he said. He also pointed to the global maritime industry's energy transition as a major economic opportunity for the Caribbean. With the region hosting a substantial share of the global cruise business, he said Caribbean ports should begin positioning themselves to provide the infrastructure and services vessels will increasingly require, including shore power, alternative-fuel bunkering and improved waste-management systems. "We have sun, we have wind, we have geothermal. We ought to start finding the investments to create fuels, to create bunkering hubs, to create the shore power we need," Telemaque said. Rather than every Caribbean destination attempting to provide every service, he suggested greater regional coordination could allow ports to develop specialized capabilities and complementary energy hubs. Howe similarly stressed that modernization cannot take place in isolation. With port upgrades requiring significant capital and long-term planning, she said governments, port operators, technical specialists, financiers, and other stakeholders will need to work together on infrastructure that can respond to future trade and energy requirements. "We need to think about what that trading hub in the Caribbean is going to look like in 20 to 30 years, and it has to be done progressively," Howe said. She also emphasized the wider role ports play in Caribbean societies, pointing to their importance not only for commerce but also for disaster response and recovery. Deniz, meanwhile, highlighted the relationship between infrastructure investment and tourism growth, arguing that successful cruise-port development requires attention to both physical capacity and the experience passengers have once they arrive. "You cannot create a great destination just by making great infrastructure. You also need to bring in activities to people," he said. The discussion also highlighted opportunities to extract greater value from the cruise industry beyond passenger arrivals. These include locally supplying ships with food and other provisions, expanding waste-management services, developing energy and bunkering capabilities, and creating pathways for more Caribbean people to work aboard cruise vessels in technical, engineering and leadership positions. For investors, Newbold said the distinction between infrastructure that is desirable and infrastructure that is genuinely bankable remains critical. Revenue certainty, predictable cash flows, regulatory certainty and effective public-private sector engagement can all help move projects from ambition to execution. "Governments don't necessarily need to fund all of these investment projects, but the public sector plays a very important role in creating the right environment," he said, pointing to policy clarity, transparent processes and functional regulatory systems as important components. Across the discussion, panelists agreed that the Caribbean's ports are more than gateways for ships and goods. With strategic investment and stronger regional coordination, they can increasingly become platforms for energy, logistics, tourism, trade, and wider economic development. Spread the love
Canada's six biggest banks team up on a shared digital-dollar network. 2 hours ago In brief. RBC, TD, BMO, Scotiabank, CIBC, and National Bank announced Tuesday a joint plan for shared Canadian-dollar tokenized deposit infrastructure, starting with transfers between the banks themselves. The project is separate from the Bank of Canada's shelved digital-dollar consultation, where 85% of nearly 90,000 respondents said they would not use a hypothetical digital Canadian dollar. Scotiabank and TD are also among 21 banks building a joint U.S. dollar stablecoin, while BMO already runs a tokenized cash platform with CME Group and Google Cloud. Canada's six biggest banks just agreed to build shared plumbing for digital money. RBC, TD, BMO, Scotiabank, CIBC and National Bank announced Tuesday they're jointly exploring a Canadian-dollar tokenized deposit system. The first phase focuses on moving deposits between the banks themselves, not into consumer wallets. A tokenized deposit is a regular bank deposit represented as a digital token on a shared ledger - same money, same bank, same rules, just using a different network. It is not a new cryptocurrency, and it is not a CBDC either. The banks want the system "competitive and secure," as they put it in their joint statement, while keeping the safeguards that already govern commercial bank money. They also want the door open for other Canadian deposit-taking institutions to eventually join. Moving money between banks in Canada today is quite slow to clear outside a basic e-transfer. A shared token system would, in theory, let banks settle those transfers instantly and around the clock, with payments that can be programmed to trigger automatically - like releasing funds the moment a shipment clears customs. Customers likely wouldn't see any of this directly. It would just run in the background, the same way nobody thinks about the wiring behind an ACH transfer today. This is a different project from Canada's actual digital-dollar debate. The Bank of Canada ran a public consultation on a possible digital Canadian dollar in 2023 that drew almost 90,000 responses. Eighty-five percent of respondents said they would not use a hypothetical digital Canadian dollar, and many placed a high value on privacy and continued access to cash. BitcoinBTC · USD $84,046+10% 24H7D1M1YYTD Sep 16Sep 18Sep 20Sep 21Sep 23 $87.2k$83.3k$79.5k$75.6k 24h HighHigh$87,251 24h LowLow$83,974 VolVol$2.0B Market projectionsOdds by Myriad $50$100$500 Canada has tried digital cash before and shelved it. The Royal Canadian Mint sold off its MintChip digital-cash pilot in 2016, and the app built on it shut down for good in 2018. In the United States, JPMorgan, Citi, Bank of America, and Wells Fargo are building a rival tokenized deposit network through The Clearing House - the bank-owned real-time payments operator - targeting a first-half 2027 launch, largely to keep stablecoins from siphoning off deposits. Thirty-nine U.S. state banking associations have their own version too, the BankChain Alliance, aimed at community and regional lenders. Canada's Scotiabank and TD are named among the 21 banks backing a separate joint U.S. dollar stablecoin, also targeting the first half of 2027 - meaning the same institutions are betting on tokenized deposits and stablecoins at once. Another bank, BMO went live this year as the first bank on CME Group's tokenized cash platform on Google Cloud, letting institutional clients move U.S. dollars around the clock for margin and collateral. The six Canadian banks haven't set a launch date. The first phase stays limited to transfers between the participating institutions, with opening the system to other deposit-taking players still just a stated goal, not a commitment.
Six Canadian banks explore tokenized CAD deposits. Six major Canadian banks pilot tokenized deposits for interbank digital transfers. September 22, 2026 * Canada's six largest banks jointly explore tokenized Canadian dollar deposits to enable digital bank deposit movement between institutions. * The first phase focuses on transferring tokenized deposits among Canadian financial institutions, with potential expansion to other digital asset systems. * OSFI clarified tokenized deposits are not legally distinct from traditional deposits, providing regulatory clarity for the project. * Canada's Stablecoin Act, enacted in March, establishes a federal framework for fiat-backed stablecoins issued by non-financial institutions, effective in 2027. Bank of Montreal, CIBC, National Bank of Canada, Royal Bank of Canada, Scotiabank and TD Bank Group jointly announced a system for tokenized Canadian dollar deposits that would allow digital representations of bank deposits to move between financial institutions, according to a joint announcement on Tuesday. - Advertisement - Discover more Currencies & Foreign Exchange Financial Markets News Merchant Services & Payment Systems The initiative comes less than two weeks after Canada's banking regulator provided additional clarity on the legal permissibility of tokenized deposits. On Sept. 10, the Office of the Superintendent of Financial Institutions said tokenized deposits are "not legally distinct from traditional deposits," adding that the underlying technology of a financial product does not determine its legal nature. Tokenized deposits represent money held at a regulated bank and remain a liability of that bank, unlike fiat-backed stablecoins, which are separate digital assets backed by reserves held by their issuer. The banks said the system aims to support faster and programmable payments, with longer-term plans to open the initiative to other deposit-taking institutions. Concurrently, Canada is building out a broader regulatory framework for digital money. In March, Canada enacted its Stablecoin Act as part of Bill C-15, establishing a federal framework for fiat-backed stablecoins. Non-financial institution issuers must register with the Bank of Canada, maintain 1:1 reserves in high-quality liquid assets, and offer redemption at par, with the framework expected to take effect in 2027. - Advertisement - Stay in the loop. Join 1.2K Smart Traders News September 23, 2026 OpenAI launched GPT-6 Sol at $2 per million input tokens and $10 per million... News September 22, 2026 A trading bot repeatedly buying and selling $1 contracts on Kalshi's Zohran Mamdani prediction... News September 22, 2026 A critical unauthenticated remote code execution vulnerability (CVE-2026-90898, CVSS 9.8) affects all versions of... News September 22, 2026 Binance invested $100 million in Circle, the issuer of the USDC stablecoinBoth companies expanded... News September 22, 2026 Here is the HTML code for the cryptocurrency news article, formatted as requested... Guides December 17, 2021 Ever since Facebook renamed their company to Meta, as well as their plans to build a metaverse where Bitnewsbot can travel into using Virtual...
Big banks exploring Canadian dollar-based digital money with tokenized deposits. Daniel Johnson TORONTO - Canada's big banks are exploring the development of Canadian dollar-based digital money, starting with a tokenized deposits initiative. Tokenized deposits are traditional bank deposits recorded on a decentralized database or distributed ledger, such as a blockchain. The plan seeks to deliver faster, more efficient and programmable payments to Canadian customers while preserving safety, stability and effective regulatory oversight. It means Canadian dollars could be converted into tokens on blockchain for easier transfers, said Claire Célérier, Canada Research Chair in household finance at the University of Toronto's Rotman School of Management. "My understanding is that the six banks will share the same blockchain, and so it implies that transactions can be made instantaneously across wallets with tokens," she said. Bank of Montreal, CIBC, National Bank, Royal Bank, Scotiabank and TD Bank are taking a collaborative approach to the project. The tokens would be issued by commercial banks and from a legal perspective, depositors can treat them the same as traditional bank deposits. The banks say the first phase aims to move tokenized deposits between Canadian financial institutions. "It's really exploratory now. I think what they're saying is that they're willing to work together to develop the technology," Célérier said. She said the potential capabilities would be of particular benefit to large companies or institutional investors, allowing them to complete "more sophisticated transactions." "What I expect is that these tokenized dollars will be mostly used by large companies and so on who have accounts across these Canadian banks, and it will be used to move large amounts of money," she said. Cristian Bravo, professor and Canada Research Chair in banking and insurance analytics at Western University, said the potential change could allow large producers to settle accounts far faster than their typical 30-day window. "If you have an instant settlement, you're closing that gap and closing that inefficiency in the market. And the fact that you have the money when you fulfil the contract, that can help reduce dependency on working capital and mobilize that capital faster," he said. But Bravo said that due to the lack of historical examples, it is not clear how much of an effect the move could have on the bottom lines of companies or institutional investors that use it. Bravo said it is also notable that digital money is not the same as cryptocurrency, but rather a "digital ledger to move deposits in a very quick, instant way."
Michael J. Sacks named 35th recipient of the Daniel H. Burnham Award for Distinguished Leadership. Published on Sep 17, 2026 The Chicagoland Chamber of Commerce is proud to announce that Michael J. Sacks, Chairman and Chief Executive Officer of GCM Grosvenor, has been selected as the 35th recipient of the Daniel H. Burnham Award for Distinguished Leadership. He will be honored at the 35th Annual Daniel H. Burnham Award Dinner, presented by CIBC, on Wednesday, November 18, 2026. Since its inception, the Burnham Award has celebrated civic-minded leaders whose efforts help shape Chicago into a thriving city for business and community. Now in its 35th year, the award honors individuals whose commitment to civic involvement exemplifies the vision of Chicago's famous urban planner Daniel H. Burnham. Meet this year's honoree. Michael J. Sacks Michael J. Sacks is Chairman and CEO of GCM Grosvenor, a global alternative asset management firm headquartered in Chicago, with offices in New York, Los Angeles, Toronto, London, Frankfurt, Tokyo, Hong Kong, and Seoul. Michael joined GCM Grosvenor in 1990 and became its chief executive in 1994. Under Michael's leadership, the firm grew from its position as an early participant in a cottage industry to its current position as a large diversified alternative asset management firm managing $97 billion for a global client base. From 2011 to 2019, Michael served as Vice-Chairman of World Business Chicago (WBC) under Mayor Rahm Emanuel, the city's delegate economic development organization. At WBC his leadership oversaw developing Chicago's Plan for Economic Growth and Jobs, a Digital Manufacturing Design Lab which was the recipient of a U.S. Department of Defense Award, a Global Cities Economic Partnership with Mexico City, and a Gateway Cities Agreement with China, as well as instituting a Supply Chain Innovation Network and launching the Greater Chatham Initiative to spur development and strengthen the economy of pillar communities on Chicago's south side. During that time Michael also served on Mayor Emanuel's Economic Council where he focused on achieving fair, evidenced-based funding for Illinois and Chicago Public Schools, city budget strategy, strengthening and reforming Chicago's employee pension funds, and renegotiating the city's parking meter lease to provide greater benefits for Chicago residents. Michael's philanthropic engagement is focused on driving educational equity in public schools, economic development and connecting arts and culture to communities. He has served on the Northwestern University Board of Trustees for 16 years. He and his wife Cari created the Sacks Family Scholarship Fund, which provides "no loan" scholarships to Chicago Public Schools students to attend Northwestern University. In total, 259 students have received a Sacks Family Scholarship, including 162 CPS students. In 2022, Michael and GCM Grosvenor partnered with Northwestern Medicine to create the GCM Grosvenor Discovery Program that provides career and technical education for CPS high school students, enabling them pathways to careers in the medical field. To date, 796 students have taken part in these programs. Michael is a founding board member of the Obama Foundation and previously served as the Chair of the 2024 Democratic National Convention Host Committee. His other current philanthropic and business board leaderships include Northwestern Memorial Healthcare, Art Institute of Chicago, Illinois Economic Development Corporation, After School Matters, and the Civic Committee of the Commercial Club of Chicago. Together, his business leadership and civic engagement have earned him a string of recent recognitions, including being named Crain's Chicago Business Executive of the Year - 2025, the Navy SEAL Foundation's 2025 Patriot Award, the Better Government Association's 2023 Daniel L. Goodwin Watchdog Award, and Chicago Cares' 2026 Lifetime Achievement Award. In October 2026, Michael will receive the first ever Nostra Aetete Award, given by the Rerum Novarum Committee in recognition of his commitment to the labor community. A native of Chicago, Michael graduated from Tulane University with a Bachelor of Arts degree in economics and completed a General Course certificate in political economy from the London School of Economics. He also earned a Master of Business Administration from the Northwestern University Kellogg School of Management, a Juris Doctor from Northwestern University's Pritzker School of Law, and was admitted to the Illinois State Bar Association. Join the Chamber in honoring Michael. J Sacks on November 18. On November 18, the Chicagoland Chamber of Commerce will honor Michael J. Sacks, Chairman and Chief Executive Officer of GCM Grosvenor, with the Daniel H. Burnham Award for Distinguished Leadership in recognition of his outstanding contributions to its community.