Counsel - Corporate Banking Products And Services

Legal Position

Work Location: Mount Laurel, New Jersey, United States of America

Hours: 40

Pay Details: $140,000 - $231,000 USD

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

Department Overview: The Corporate Products and Services (CP&S) Legal Team supports the Commercial Banking organization, covering deposits, payments and cards, treasury management, merchant services, and digital platforms for small business, commercial and government customers. Our small team is at the forefront of strategic initiatives to advance business transaction banking across TD. As product and business counsel, we enable business strategies while managing legal risks for both new initiatives and day-to-day operations. We work closely with senior leadership, product managers, relationship/sales teams, retail and operations teams, and regulatory/compliance and risk functions. Ongoing legal support includes advising on new and updated products and services, including partnerships and sourcing arrangements; aligning customer product terms; supporting customer contracting and negotiations; advising on escalated customer and regulatory issues; reviewing communications, digital content and marketing materials; and collaborating with other teams in TD Legal.

Depth & Scope

Provides consistent and sound legal advice in a clear, concise and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business @context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client

Identifies conflict situations and brings more senior lawyers into the decision-making process as appropriate by identifying situations when actions that the business unit wants to take conflicts with TD's risk appetite and discusses with client how particular actions might be inconsistent

Effectively contributes to and/or leads negotiations and conflict resolutions by gathering supportive information in preparation for the negotiation, understanding the dynamics of the process and displaying an effective combination of firmness, tact, patience and respect in dealing with all parties involved

Education & Experience

Bachelors degree required

JD from accredited law school required

5+ Years of related experience

Admission to appropriate State Bar in good standing and licensed to practice law in the State

Basic understanding of banking/financial services operations and issues

Ability to simplify, problem solve, multitask and work effectively against deadlines

Integrity and high moral standards

Strong negotiation and conflict resolution skills

Strong legal research and analysis skills

Detail oriented

Must be able to apply legal knowledge to the business

Ability to exercise sound judgment

Excellent oral and written communication skills

Strong teamwork and client skills

Highly motivated

May supervise administrative and paralegal staff and junior attorneys

Preferred Qualifications:

Corporate/Finance transactional or regulatory legal experience in a law firm or in-house environment

Experience drafting and negotiating customer agreements or other legal documentation related to financial services, lending or technology products and services

Interest and experience working in cross-disciplinary and cross-functional environments, including explaining and navigating legal issues with non-legal business partners

Familiarity with commercial banking or fintech services is a plus

Familiarity with laws, rules, and regulations applicable to payments or banking

Experience working in a regulated industry is a plus

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

Domestic Travel - Occasional

International Travel - Occasional

Performing sedentary work - Continuous

Performing multiple tasks - Continuous

Operating standard office equipment - Continuous

Responding quickly to sounds - Occasional

Sitting - Continuous

Standing - Occasional

Walking - Occasional

Moving safely in confined spaces - Occasional

Lifting/Carrying (under 25 lbs.) - Occasional

Lifting/Carrying (over 25 lbs.) - Never

Squatting - Occasional

Bending - Occasional

Kneeling - Never

Crawling - Never

Climbing - Never

Reaching overhead - Never

Reaching forward - Occasional

Pushing - Never

Pulling - Never

Twisting - Never

Concentrating for long periods of time - Continuous

Applying common sense to deal with problems involving standardized situations - Continuous

Reading, writing and comprehending instructions - Continuous

Adding, subtracting, multiplying and dividing - Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.