Canadian Personal Banking (CPB) Operations manages the end-to-end Retail banking operation functions and capabilities across multiple CPB products and services. The Productivity and Operational Excellence Team works closely with business partners to deliver a legendary experience for colleagues and customers.• Manage the new Operations Excellence track of the Canadian Personal Banking Leadership Rotation Program.• People Manager of the Associates in the Operations Excellence Rotational Program.• Work with TD's Early Talent Team and HR to effectively coordinate and develop Enterprise development programs for CPB talent needs.• Work with CPB business units to identify areas of focus in the operations teams to modernize, simplify and provide a legendary service for colleagues and customers. • Provide insightful KPIs about Associates' experience, program impact, and contributions to professional development in CPB and operational improvements.

Enterprise Capital Management is within the Treasury and Enterprise Strategy team and the CFO's team.• Managed the Regulatory Capital Plan and Forecast (Quarterly) incorporating RWA assumptions from the business segments, acquisitions, and other capital related items that impacted directly or indirectly the capital ratios.• Assisted the team in evaluating the impact of proposed regulatory changes on the bank’s capital position.• Supported the Capital Management team and committees with providing analyses around capital-related initiatives such as acquisitions, dividends changes, and new issuances of capital instruments.• Produced the bank's Capital Adequacy Assessment for the fiscal year 2023 to be reviewed and approved by the Assets and Liabilities Committee and the Board as one chapter of the Global Capital Policy.• Assisted the team with the quarterly peer analysis around regulatory capital metrics in the Canadian banking industry.

The Treasury Associate program includes training about the vital risk concepts and practices in the Treasury and Balance Sheet Management (TBSM) department. Four 6-month rotations are part of the program, and each rotation combines project-based work and reporting work.As an Associate of the program, I gained valuable experiences in strategic decision-making and industry-leading risk management and portfolio management practices. Additionally, I developed a holistic view of balance sheet management and skills around project management, treasury management, risk management, portfolio management, capital management, team dynamics in entirely virtual interactions, process improvements, and strategic thinking and analysis around treasury management. Rotations:1. Closed Balance Sheet (July 2020 - December 2020): Net Interest Income and Net Interest Margin Reporting and Analysis.2. Intraday Liquidity (January 2021 - July 2021): Intraday Liquidity project aimed to create a dashboard to monitor the main intraday liquidity risks and produce real-time liquidity metrics and forecasts.3. Enterprise Capital Management (July 2021 - January 2022): Preparation of capital management dashboards for senior executives and participation in the Basel III Reform Project with the design and construction of RWA prototypes.4. Pensions and Insurance (January 2022 - June 2022): Provide support with the investments allocations reports, assets and liabilities analysis, and cash management decisions for the different funds and portfolios. Additional projects:Closed Balance Sheet Automation Working Group (January 2021 - July 2021): Improvement and automation of one of the main processes of the area by implementing an Alteryx solution to save around 300 hours of manual tasks per year.

Developed a market liquidity research project focused on the Government of Canada and the Provincial bonds market to identify potential liquidity constraints in these fixed-income markets. The project was presented to the Liquidity and Counterparty Credit Risk team managers.

Senior Assets and Liabilities Analyst within the Assets and Liabilities Management Team under the Treasurer and Chief Financial Officer. • Managed and calibrated the bank's Funds Transfer Pricing (FTP) model. I implemented a new calculation engine for the model by migrating the process to R software and updating the optimization process of calculating the required zero-coupon curves under the Nelson-SIegel methodology. • Led the annual updates and tests of the liquidity contingency plan to access the last resource liquidity support provided by the central bank of Colombia (Banco de la República de Colombia).• Coordinated, produced and compiled various analyses and proposals for review and approval by members of the Assets and Liabilities Committee (ALCO). • Reconciled the liquidity risk and FTP models among the different subsidiaries of the bank to standardize the methodology and calculation processes. • Led the bank's initial stages of implementing the Balance Sheet Hedge Accounting process.

Capital Markets Risk Methodologies• Analyzed, developed and implemented risk models to measure the bank's market risk. • Built zero-coupon curves and programmed various risk models and valuations of financial instruments in MATLAB.• Designed, developed and calibrated VaR Models for the different bank's portfolios and the balance sheet (banking book).

My role was under the "FenalPagare" Business Unit, which was a new partnership between "Fenalco" association (Colombian Federation of Merchants) and Refinancia S.A. to create a financing product for consumers of commercial establishments in Bogota D.C. and other main cities of Colombia.• Analyzed the financial performance of the company through the calculation of the "FenalPagare" business unit KPIs.• Supported the financial planning of the company by designing and building the annual business plan of the business unit. • Provided the economic viability analysis of the new projects associated with the new business unit by creating multiple scenarios and forecasts in the financial business plan, adjusting the revenue streams and cost structure.

Economic Research Assistant under a poverty and labour market research consultancy project led by Carlos E. Velez (RIP.) and the governmental National Planning Department of Colombia (Departamento Nacional de Planeación: DNP)• Supported the project with data analysis and econometric modelling in Stata (statistical software).

Undergraduate Internship | Research Assistant: Microeconomic Analysis and Research Group• Analyzed microeconomic databases by applying statistical models in Stata (statistical software).• The research projects were focused on economic development, education economics, poverty, welfare distribution, inequality and crime economics.• Supported the Executive & Planning Committee of the Latin American and Caribbean Economic Association (LACEA) Meeting held in Medellin, Colombia, in November 2010.