Summer 2027
Summer Analyst Program
Posted on 8/21/2026
TD Bank
10,001+ employees
Offers banking, loans, and wealth management.
Compensation Overview
CA$26.44 - CA$64.90/hr
Toronto, ON, Canada
In Person
Bachelor's
 Finance & Banking (1) |
|---|
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- The applicant must have current or prior TD internship experience.
- The applicant must have an undergraduate degree with graduation no earlier than Spring 2028.
- The applicant must have at least 3 years of relevant experience.
- Work independently as an analyst and subject matter expert, including coaching and educating others.
- Oversee and/or independently perform tasks from end to end.
- Provide specialized business management advice and support to management, leadership, and respective teams within areas of specialization.
- Understand industry, external, internal, enterprise, and business trends; identify issues and opportunities; and recommend actions to management.
- Lead implementation of initiatives supporting the overall business or function strategy.
- Manage business management work activities requiring coordination across multiple areas.
- Support and/or manage the integrated implementation of policies, processes, procedures, and changes across multiple functional areas.
- Provide subject matter expertise and/or input to projects and initiatives as a representative of the area of specialization, including identifying, designing, and testing solutions supporting implementation activities when necessary.
- Develop and provide complex reporting, analysis, and assessments at the functional or enterprise level.
- Develop and deliver presentations and communications to management or broader audiences.
- Adhere to internal policies, procedures, and applicable regulatory guidelines.
- Contribute to reviewing internal processes and activities and identify opportunities to improve operational efficiency.
- Identify variances and contribute to analysis, due diligence, and implementation of initiatives and/or business operations within the defined area of responsibility.
- Support development and/or implementation of standards, policies, procedures, and solutions that mitigate risk and maximize service availability, efficiency, and effectiveness.
- Continuously enhance knowledge and expertise in the assigned area.
- Keep current on emerging trends and developments and grow knowledge of the business, analytical tools, and techniques.
- Prioritize and manage workload to deliver quality results within assigned timelines.
- Support a positive work environment that promotes service to the business, quality, innovation, and teamwork, with timely communication of issues and points of interest.
- Identify and recommend opportunities to enhance productivity, effectiveness, and operational efficiency.
- Establish effective relationships across multiple business and technology partners, programs, and project managers.
- Participate in knowledge transfer within the team and business units.
TD Bank provides a wide range of banking and financial services in North America for individuals, businesses, and corporations. Core offerings include checking and savings accounts, credit cards, loans, mortgages, investment products, and wealth management. TD Bank emphasizes digital banking through online and mobile apps that let customers manage money, pay bills, deposit checks, transfer funds, and manage cards. Revenue comes from interest on loans, service fees, and investment income. The company differentiates itself with a broad product lineup, large North American footprint, and integrated services for both personal and business customers, plus a focus on digital accessibility. Its goal is to be a leading, accessible financial institution that helps customers manage and grow their money through convenient, everyday banking and investment solutions.
Company Size
10,001+
Company Stage
IPO
Headquarters
Toronto, Canada
Founded
1955
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Simplify's Take
What believers are saying
- TD opened new Charlotte-area branches filings on July 31, 2026.
- TD renewed DIVERSEcity support with $425,000 through 2028, strengthening small-business ties.
- TD's integrated commercial banking platform targets faster cross-sell and deeper treasury relationships.
What critics are saying
- DOJ and FinCEN penalties from October 10, 2024 still impose monitorships and probation.
- The OCC asset cap near $434 billion throttles U.S. growth through 2028.
- TD closed 51 branches and cut 74 New Jersey jobs, signaling shrinking retail demand.
What makes TD Bank unique
- Jill Gateman consolidated U.S. Commercial Banking on July 6, 2026.
- TD uses AI behind branches for staff coaching through Ascend.
- TD builds community storefronts, like Charlotte literacy branches and Vancouver dog-treat ATMs.
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Benefits
Health Insurance
Paid Vacation
Flexible Work Hours
Professional Development Budget
Mental Health Support
Wellness Program
Performance Bonus
Company News
IDT Corporation's subsidiary, IDT Telecom, has extended its revolving credit facility with TD Bank to July 2029, nearly three years beyond the previous August 2026 maturity date. The amendment, executed on 13 August 2026, increases seasonal borrowing capacity to $50 million during May and December, up from $25 million in other months. The agreement adds three new corporate guarantors: National Retail Solutions, IDT Payment Services, and IDT Payment Services of New York. The extension provides IDT with enhanced financial flexibility to manage working capital requirements during peak seasonal periods. The facility remains secured by assets of IDT Telecom, IDT Corporation, and other key subsidiaries.
Research reveals how criminal gangs are using AI to improve financial scams. TD Bank's adversary intelligence lead Eric Huber showed original research on the translation engines, reply generators and victim CRMs running inside Southeast Asian scam compounds at Black Hat USA 2026. Published on Aug 4, 2026 Las Vegas - Niche, specialized cyber-criminal groups are offering customizable off-the-shelf tools for scam gangs to use to make scams like pig-butchering more efficient and convincing, new research shows. Eric Huber, senior manager of adversary intelligence and disruption at TD Bank, gave a demonstration of AI-powered translation software, reply engines, and a full customer relationship management platform being used by criminal gangs, at Black Hat USA 2026. So called 'pig-butchering' scams are among the fastest growing fraud targeting Americans. In these schemes, scammers build relationships with individuals over time before convincing them to make fake investments. These scams cost Americans at least $7.2 billion in 2025, figures that are believed to significantly underrepresent actual losses as many victims do not report to law enforcement. The scam compounds themselves, in countries like Cambodia and Myanmar, hold thousands of trafficked workers in what Huber described as slave labour supporting a billion-dollar industry. Huber emphasized that the tools do not automate attacks, but "help some poor person do the scamming by creating responses that are going to be the most effective." For example, workers in the compounds, who may only speak one or two languages, are given AI translation software that automatically translates. One app, Editone, lets an operator load a victim's profile and a fabricated persona to make the replies more convincing, with voice cloning built in. The capabilities of AI image and voice cloning tools have become far more sophisticated over the last couple of years, including the ability to add fake meta-data into images, Huber demonstrated. Another app functions as a customer relationship management system for scam victims, which tracks stages of fraud and sets daily contact targets, with punishment for workers who miss them. Using AI against large retailers Not all of the AI tools targets individuals. Huber also demonstrated refund-fraud crimeware aimed at retailers, including Amazon. Operators open ordinary retail accounts and "warm" them with a period of normal browsing to make them look established. They then conduct refund fraud attacks, buying goods, returning them, and keeping both the item and the refund. Huber maintains fraudsterglossary.com, a public glossary of fraud terminology in English and Chinese drawn from his years monitoring criminal Telegram channels. Top stories. Cyber weekly. Get curated cybersecurity news, threats and insights delivered free every Thursday. Joel is the Director of Content and a co-founder at Expert Insights; a rapidly growing media company focused on covering cybersecurity solutions. He's an experienced journalist and editor with 8 years' experience covering the cybersecurity space. He's reviewed hundreds of cybersecurity solutions, interviewed hundreds of industry experts and produced dozens of industry reports read by thousands of CISOs and security professionals in topics like IAM, MFA, zero trust, email security, DevSecOps and more. He also hosts the Expert Insights Podcast and co-writes the weekly newsletter, Decrypted. Joel is driven to share his team's expertise with cybersecurity leaders to help them create more secure business foundations. Sign up to receive strategic insights and essential news for cybersecurity teams.
How TD Bank removed barriers to family building care. TD Bank believes benefits should work for employees - not the other way around. When the organization evaluated its fertility benefit nearly a decade ago, leaders recognized employees were facing unnecessary hurdles before they could even access care. TD Bank partnered with Progyny to modernize this navigation and create a more inclusive approach centered on access, flexibility, and personalized support. "Progyny is the perfect benefit to align to the TD Bank way. It really exemplifies the individuality of every one of our colleagues and how we want to support them wherever they are."
Latest Charlotte bank expansion includes new branches and more corporate space. July 31, 2026 5:15 AM Gift Article TD Bank is adding more choices for customers in the Charlotte region with new branch locations. The financial institution which began expanding its footprint in the region a few years ago, is planning to open branches in the Berewick neighborhood of southwest Charlotte at 9424 Steele Creek Road and at 8830 Lindholm Drive in Huntersville. For approval, the bank recently submitted filings with the Office of the Comptroller of the Currency, an independent bureau of the U.S. Department of the Treasury. TD currently has eight branches in the Charlotte area, and the new sites will bring that total to 10. Four of its Charlotte locations are TD community-centered storefronts. Those types of branches offer financial literacy programs and resources to residents. The bank said the proposed stores are part of its plan to expand in fast-growing markets and update its branch network to better match how customers bank today. The company headquartered in Toronto is one of a number of banks trying to grow in a market dominated by the region's Big Three banks - Bank of America, Truist and Wells Fargo. Some of the other competitors include PNC, JPMorgan Chase and Huntington Bank. TD Bank expands its Carolinas footprint. In 2022, TD Bank announced plans to open more than a dozen locations in the area by 2025, The Charlotte Observer previously reported. Former TD Bank CEO Leo Salom said Charlotte's economic and population growth helped draw the institution to the region. At the time, TD Bank noted that at least 25% of the new branches in the city would be located in majority-minority or low-to-moderate-income areas. In October, TD Bank announced plans to expand its corporate presence in Charlotte by signing a new 10-year lease with Northwood Office in Ballantyne. Northwood Office is part of Northwood Investors, which owns Ballantyne Corporate Park. TD Bank is planning to move this summer or early fall. TD Bank currently leases space from Northwood in the Irby Building at 11325 N. Community House Road. That 18,500-square-foot space houses more than 100 employees. The new location at 13024 Ballantyne Corporate Place has capacity for 540 people. TD will occupy three floors spanning more than 91,000 square feet, along with an additional suite on the ground level. TD Bank is also planning to open a new branch in the Midtown area of Raleigh at 407 E. Six Forks Road. There are currently 16 branches open across North Carolina. TD Bank employs 1,500 people across North Carolina, including 1,050 workers in the Charlotte area. Current TD Bank branches in the Charlotte region: * 345 S. Kings Drive, Charlotte * 2020 Beatties Ford Road, Suite 300, Charlotte * 3310 Wilkinson Blvd., Charlotte * 3061 N. Sharon Amity Road, Suite 5, Charlotte * 6611 Carmel Road, Charlotte * 100 Stone Village Drive, Fort Mill, South Carolina * 8179 Charlotte Highway, Indian Land, South Carolina * 331 E. Main St., Rock Hill, South Carolina September 30, 2025 11:27 AM April 2, 2026 5:00 AM The Charlotte Observer Chase Jordan is a business reporter for The Charlotte Observer, and has nearly a decade of experience covering news in North Carolina. Prior to joining the Observer, he was a growth and development reporter for the Wilmington StarNews. The Kansas City native is a graduate of Bethune-Cookman University.
DIVERSEcity and TD Bank renew partnership to support local, diverse entrepreneurs build businesses. July 22, 2026 Entrepreneurship in action! Business incubator helps emerging entrepreneurs plan, launch and grow their ideas. British Columbia leads Canada in small business, with small enterprises making up 98% of all businesses in the province, boosting the province's GDP and economy. And the diversity of entrepreneurs is expansive, with women, immigrant, youth, BIPOC and other emerging entrepreneurs taking the entrepreneurial leap. Yet the business landscape can be a tough place for them to navigate, and a great idea doesn't mean automatic success. That's where empowering entrepreneurship programs, like the Diverse Entrepreneurs Business Incubator by DIVERSEcity and supported by TD Bank, come in. The Diverse Entrepreneurs Business Incubator is a free, 24+ week self-employment training program, networking hub and business incubation platform rolled into one. "With a constrained employment market and high cost of living, it's not surprising to see so many British Columbians want to turn to self-employment, whether it's their full-time gig or a side hustle to make extra income," said Florence Kao, Manager of DIVERSEcity's Business Incubator. "We are proudly supporting emerging, local entrepreneurs, particularly those from equity-deserving populations, to put their entrepreneurship ideas into action." And DIVERSEcity Community Resources Society is so grateful to TD Bank for supporting its ability to continue doing so. Together, DIVERSEcity Community Resources Society is here to provide these entrepreneurs with the guidance, mentorship and business planning basics to start up their businesses with success." TD Bank came on as the program partner in 2024, as well as previous years, and has renewed its support with additional funding of $425,000 for the next two years. DIVERSEcity Community Resources Society gathered on July 22, 2026, to celebrate with a cheque presentation with TD representatives Amyn Jessa, District Vice President; Sarbjit K. Johal, Area Manager, Small Business; Natasha Srisky, Branch Manager; and Jyoti Banga, Manager, Community Engagement. With TD's renewal of support, applications to join the program are open! "DIVERSEcity and TD have had a long history with supporting entrepreneurship and small business growth," says Vandna Joshi, Director, Language, Employment & Social Entrepreneurship. "Thank you to TD for renewing your commitment for another two years; we couldn't support these incredibly creative, brave and diverse British Columbians without your help." Helping emerging entrepreneurs in BC start their business. Since 2024, the program has supported 106 emerging entrepreneurs with 71 businesses launched. Further, 87 have indicated they have improved their entrepreneurial skills and 77 have improved their confidence and self-efficacy. The predominant business ideas revolve around retail trade (15%) and food services (13%), while others delve into finance, insurance, health care, social assistance, and professional, scientific and technical services. Participants Asiya and Zahra, founders of Its Village, have used the tools learned in the program to create a growing, healing community and retail business for mothers. They share: "The DIVERSEcity Business Incubator program has been such an amazing experience for Our Village. Getting the chance to present at events like the Dragons' Den-style competition really boosted our confidence in pitching our business and gave us valuable feedback from both peers and experts. The weekly classes have been so practical and helpful, guiding us through everything from marketing and financial planning to making sure our business is sustainable in the long run." Entrepreneur & Small Business Fair is coming up during Small Business week. Program participants will also get an opportunity to showcase their businesses and take part in a business pitch competition at the 10th annual DIVERSEcity Entrepreneur & Small Business Fair on October 22, 2026, in Surrey, BC, presented by TD Bank. Learn more about the entrepreneur fair here. "Supporting entrepreneurs to succeed means a more resilient small business sector, helping to build a stronger province and Canada for everyone," adds Vandna Joshi.