Charu Singh

Results-driven finance executive with 20+ years of progressive leadership across financial services, capital markets, and enterprise technology. Currently serving as SVP & CFO at TD Bank, with accountability for ~$5B in expenses spanning COO, CIO, and Corporate Segments. Deep expertise in enterprise financial planning, regulatory stress testing, capital management, and cost transformation.

Proven track record of advising C-suite and board-level stakeholders, driving $200M+ in savings initiatives, and leading high-performing teams through complex regulatory and strategic change. Wharton-educated with an MBA from McCombs (Dean's Award, GPA 3.8); committed to driving shareholder value through disciplined financial stewardship and data-driven strategy.

Senior Vice President & Senior Line of Business CFO - TD Bank - New Jersey, U.S.

(2025-01)

CFO for COO, CIO, and Corporate Segments; US Finance Lead for Women in Leadership. Accountable for end-to-end financial planning, forecasting, and strategic initiative support across the bank's largest and most complex cost centers.

• Serve as trusted financial advisor to six US Management Committee members, providing investment business case analysis, expense driver intelligence, and data-driven strategic recommendations.
• Oversee the bank's largest-ever remediation program, encompassing 100+ concurrent projects and $1B+ in cash spend — managing financial controls, milestone tracking, and board-level reporting.
• Architecting cost transformation strategy across technology and COO functions — leveraging AI/automation, labor optimization, and vendor rationalization — projected to deliver >$200M in savings by FY2029 while materially improving ROI through reduced unit costs.
• Champion enterprise-wide financial planning and management reporting for ~$5B expense portfolio, ensuring transparency and accountability across all business units.
• Executive sponsor and US Finance Lead for Women in Leadership, advancing measurable diversity and inclusion outcomes across the finance organization.

Senior Vice President, Line of Business CFO - TD Bank - New Jersey, U.S.

(2022-03 - 2025-01)

CFO for US Wealth and Corporate Segments, with full financial accountability across all wealth management segments and product lines.

• Directed budgeting, forecasting, and strategic analysis for the full US Wealth business — spanning High Net Worth, Mass Affluent, Mass Retail, Institutional, and B2B segments, and all products including deposits, investment management, RESL, and trust.
• Played a pivotal leadership role in the consumer bank-wide transformation of the retail distribution network, repositioning the franchise for Mass Affluent growth.
• Partnered with senior business leaders to align financial strategy with long-term growth objectives, enabling data-driven decision-making at the executive level.

Vice President, Capital Management Group - TD Bank - New Jersey, U.S.

(2021-01 - 2022-02)

Led Capital Planning and Policy for US legal entities; primary interface with US regulators and senior management on capital optimization and risk-adjusted returns.

• Managed capital planning and forecasting for ~$500B in leverage assets and ~$250B in Risk Weighted Assets (RWA) across US legal entities and line-of-business allocated capital.
• Owned and maintained the US Capital Policy governing capital contingency planning and consumption guidelines; presented capital adequacy dashboards and reports to the Federal Reserve Board and US boards and committees.
• Spearheaded special projects on capital policy reform and risk-adjusted return optimization, including external benchmarking, framework development, and executive-level materials for senior leadership.

Vice President, Financial Stress Testing - TD Bank - New Jersey, U.S.

(2017-09 - 2020-12)

Built and led the PPNR Qualitative Model Development team for CCAR/DFAST and enterprise-wide stress testing; primary liaison to the Federal Reserve Board on model methodology.

• Founded the PPNR Qualitative Modeling function from inception — recruiting, onboarding, and developing a team of five; built a suite of ~40 PPNR models to forecast volumes (~$170B balances), expenses (~$6B), and non-interest income (~$2B) under stressed scenarios.
• Developed sophisticated customer-behavior-driven credit card models for Nordstrom, Bankcard, and RCS portfolios, mining large-scale customer data to predict spend and payment behavior across macroeconomic scenarios.

Vice President, Financial Stress Testing - TD Bank - New Jersey, U.S.

(2016-11 - 2017-08)

Defined and implemented end-to-end commercial stress testing processes, including idiosyncratic risk identification, model assumptions, and management actions.

• Led automation of stress testing workflows, strengthening governance and controls — resulting in closure of 50+ internal findings and a materially improved audit posture.

Director & Lead Finance Officer – Global Merchant Services - American Express Company - New York, U.S.

(2015-06 - 2016-11)

• Spearheaded the financial architecture of a Membership Rewards Joint Venture between Global Merchant Services and the Small Merchant card issuing business (OPEN), creating a novel merchant rewards ecosystem.
• Directed planning and results analysis for ~$25M operating expense and led cost-benefit analysis (NPV, IRR, ROI) for ~$12M in strategic pricing initiatives.
• Partnered with Merchant Pricing and Global Corporate Payments to evaluate and recommend competitive discount rate strategy for vPayment — a virtual card platform for Online Travel agents (e.g., Expedia).

Manager, Finance – Job Rotation Program (Risk, Corporate Planning, Treasury) - American Express Company - New York, U.S.

(2012 - 2015)

• Developed a business case securing funding for a card member re-age program: a ~$2M investment generating ~$4.2M in incremental revenue.
• Built a Marketing & Promotion expense forecasting model for regulatory stress testing, satisfactorily addressing Federal Reserve Board inquiries.
• Provided subject matter expertise on discount revenue allocation methodology for the company's new US small merchant acquiring program.
• Enhanced FX exposure identification and hedging strategies for multi-currency earnings.

IT Analyst – Eaton Corporation Engagement - Tata Consultancy Services (TCSL) - Gurgaon, India

(2005-11 - 2009-12)

• Designed and delivered a financial modeling system to automate multi-rule business evaluation — reducing forecast and budget preparation time by 50%, generating $1.4M in annual savings.
• Led a two-person team to develop 3D topographic simulation software for oil field analysis, generating $300K+ in revenue for TCSL.

General Management Program for Senior Executives - University of Pennsylvania, Wharton School of Business (2024-06)

Master of Business Administration (MBA) - Finance - The University of Texas at Austin, McCombs School of Business (2012-05)

Bachelor of Engineering - Electronics & Telecommunication - Pune University (2001-05)