Andy Aziz is a VP Capital Management at TD Bank. He possess expertise in financial analysis, finance, financial modeling, business analysis, treasury and 18 more skills. Colleagues describe him as "I reported to Andy while I was a manager of Capital Planning team at American Express. Andy was instrumental in getting me up to speed on different areas of Capital planning including quarterly ICAAP and annual CCAR processes. Andy is incredibly detail oriented, has a wide range of expertise on capital and funding related areas and is widely regarded in Treasury as a subject matter expert. He was responsible for setting up a lot of the CCAR / ICAAP related models and processes when Amex became a bank holding company. Andy was also a great leader and it was a pleasure to work for him. He gave me a lot of room to grow while being sufficiently hands-on to ensure accuracy and promptness. I will always value my association with Andy and all the things I learned from him." and "I have worked closely with Andy in Global Funding at American Express and have found him to be a tremendous resource and asset to the team. Andy possesses the unique qualities of being able to work through intricate details of a problem while having the vision to see and execute towards the larger strategic goal. Nowhere is this more apparent than in how Andy developed and maintained the funding plan for American Express. He was able to separately evaluate each individual unit of American Express to make sure each was sufficiently funded, while being able to wrap each up to the overall company level in a way that was efficient from a cost perspective, as well as realistic when taking into account the many different and often conflicting market idiosyncrasies of each funding channel. He has a way of explaining complex issues in a way that is understandable to people with varying levels of expertise, while possessing a tremendous breadth of knowledge that he can use to dive deeper into an issue. Andy has not only seen all parts of multiple cycles for American Express, but he has been on the front line, executing initiatives at critical junctions that helped bolster the funding and liquidity profile of the firm. He is a team player that promotes a positive, collegial atmosphere, with a dedication to excellence that pushes his team forward to achieve its goals."