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Title:  Senior Manager, Digital Commerce


Requisition ID: 6614

Join the Global Community of Scotiabankers to help customers become better off.


Contributes to the overall success of the Digital Commerce & Payments in Canada and the PAC countries ensuring specific individual goals, plans, and initiatives are executed / delivered in support of the team’s business strategies and objectives.  Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.

The Senior Manager, Digital Commerce is responsible for the development of the International Banking Digital Payments strategy to strengthen the bank's position in payments and commerce (specifically in our international markets). In particular, the role is responsible for identifying how and where to participate in the Mobile Money space, and other key areas of Digital Payments, and developing models and programs to participate as required. The incumbent will also be responsible for fostering collaboration and communication across our markets.  The incumbent will understand the latest industry trends, assess opportunities and define business requirements to launch and monitor Mobile Money programs in our International markets.  The incumbent will work closely with the Digital Banking teams in country to help them set their payments roadmap, collaborate on shared initiatives, and be an advisor/subject matter expert on anything related to digital payments globally.




Strategy Direction

  • Guides the development of the Digital Payments strategy and roadmap based on awareness of global and regional trends and Scotiabank positioning. Works in collaboration with key Payments Partners including Canadian Payments, Digital Banking leadership, IB Retail and Small Business Products, IT&S, GTB, senior country leadership in Mexico, Peru, Chile, and Colombia.
  • Builds and maintains constant awareness of global and regional trends in Payments including competitor actions and determines the implications across our Geographies and how the Bank should adapt.
  • In collaboration with the Digital Banking team, evaluate new technology and competitive product offerings.
  • Identify opportunities, and determine key path to execution for digital payments in Scotiabank’s key international markets.
  • Build strong relationships with the digital banking teams in Mexico, Peru, Colombia and Chile – and become a trusted advisor to guide their roadmaps.
  • Ability to concisely and effectively communicate potential opportunities, and assess potential risks and rewards of new customer offerings.
  • Work with the Director of Digital of Commerce on Ad Hoc projects with other lines of business as they arise – with the goal of advancing the payments and commerce offerings available to our customers globally.
  • Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.


Digital Payments Product/Program Design and Development

  • Proactively identifies opportunities of new Digital Payments products that will improve customer experience and maintain Scotiabank’s competitiveness in this area.
  • Focus on customer-centered design for development of future payments initiatives, and ability to bring others in the bank along for the journey 
  • Work with Visa, MasterCard, American Express and Local Card Networks to assess capabilities of third party wallet offerings (i.e. Android Pay, Samsung Pay, Apple Pay) as well as our own Mobile Wallet (i.e HCE) and formulate a mobile payments strategy with the digital banking teams in PAC.
  • Work closely with the Digital Banking development teams (and IT&S where appropriate) to create efficient and effective (global) technology models to support continued payments development, and the continued advancement of Scotiabank’s customer product offering.  Basic understanding of IT and payments infrastructure is an asset.
  • Architect digital payments programs to be technology and cost effective across multiple markets and geographies. 
  • Conducts cost-benefit analyses for specific projects by participating in the preparation and tracking of multi-country business cases to roll-out new programs.
  • Manages assigned projects by working with resources from across the Bank as necessary to develop business requirements, negotiate and coordinate plans and deliverables, and track to completion.


Compliance, Policy & Procedural Adherence

  • Ensures satisfactory portfolio management controls / legal & regulatory compliance are maintained as per established Bank standards & guidelines.
  • Works closely with security and Compliance/AML teams to ensure initiatives being proposed meet or exceed the current bank requirements/standards.
  • Ensure Mobile payments policies, procedures, and practices conform to regulatory requirements and network rules



  • The role will support Canada and the Pacific Alliance countries on their payments, commerce & mobile money movement initiatives
  • Strong initiative, forward thinking and creative problem solving skills with the ability to create or stimulate customer-focused strategies
  • Willingness to learn, and deepen knowledge on the technology behind current and future payment initiatives.
  • Strong external mind-set – continuously on top of market innovations and trends with the ability to determine implications for our business
  • Strong strategic skills – ability to assess a changing landscape and form a strategy and roadmap
  • Comfortable with ambiguity, with problem solving skills that are creative, innovative and pragmatic
  • Ability to foster strong team environment and working relationships within the Digital Banking and other teams
  • Expert communication skills and the ability to successfully engender a participative process across a culturally diverse group of internal and external business support partners and Country Heads


Education / Experience / Other Information

  • Looking for someone smart and self-motivated, looking to continuously learn and expand their capabilities
  • Engineering /Business/Computer Science Degree
  • Knowledge and understanding of product development / building new business models
  • Minimum of 8 years of experience in similar positions with a Global Company
  • Proven experience working with Payments players and alliance partners is an asset
  • Spanish speaking is a strong asset
  • The ability to work in a fast-paced startup-like environment
  • Self-Starter attitude with strong, structured, and creative approaches to problem solving


Working Conditions

  • Work in a standard office-based environment; non-standard hours are a common occurrence. 
  • Travel (10% of time) will be expected
  • Outstanding ability to constructively challenge requirements to increase overall value to the business
  • MBA is an asset
  • Strong PC/Software skills, particularly spreadsheet/presentation tools (e.g. Excel, PowerPoint, Word, MS Project


Location(s):  Canada : Ontario : Toronto

As Canada’s International Bank, we are a leader when it comes to inclusion. We are a diverse and global team, speaking more than 100 languages with backgrounds from more than 120 countries. We value the unique skills and experiences each individual brings to the bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. Candidates selected for an interview will be contacted directly.  If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.

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