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James Gilchrist

James Gilchrist

Reserve and Finance Analyst

Regional Municipality of York

Toronto, Ontario

Exploring New Opportunities. Consultant, Treasury Office (Finance) Regional Municipality of York





Regional Municipality of York

Reserve and Finance Analyst

Supported the comprehensive and integrated funding strategy of the Regional Municaplity of York.
Developed Financial Models for funding capital asset replacement
Supported Bi-Annual Debenture Issue by the Region. Knowledge of Capital Markets
Supported Lower tier muncipalities financing needs and applications for funding via Provincial Pograms i.e. Infrastructure Ontario Loans
Conducted Research and Best Practices review of Funding and Reserve Fund management and development of related polcies
Assisting with Investors and credit rating agencies
Supported Treasury Review and Funding splits analysis for 2014 Capital and Operating Budgets
Prepared Reserve Balance Forecast and briefing summarry of expected Inflows/Outflows in reserve accounts
Validate account balances/variances via Peoplesoft GL system
Prepared Debenture (Debt) Model template for Departments for inclusion of borrowing cost into Operating Budgets

Career medium 03
Career medium 06


Sr. Financial Analyst Project Managment Office (PMO) Aegon Canada

Independent Contractor, providing professional Financial management services including Project reporting and Analysis, Budgeting and Fiscal Planning, Business Case Developement and Project Benefit Realization Reporting for Transamerica Life Insurance Canada Project Management Office.
Support Team of Internal and Contracted Project Managers, Business Analysis and Transamerica Operations and IT Teams
Collaborate with Finance Expense Management and Financial Controls Department.


TD Bank

Senior Financial Analyst, Corporate Segment Finance

Finance Reporting and Strategy leadership of TD Bank's Enterprise Technology Division (IT)
Finance lead for 2 Multi Year Strategic IT Optimization Programs (Data Center Consolidation and "Simplify IT" Program
Developed and enhanced governance and performance measurement framework to ensure decisions alignment to strategic goals
provided advice and opinion on impact of changes of financial policies and regulations including
BASEL II, IFRS, Harmonized Sales Tax
Maintenance and Data Qualtity of Finance Systems and Data warehouse. UAT Testing during implementation to Hyperion Enteprise and Essbase
Drove quarterly and Mid Year business Plans (budgets)& Strategy for 2 Lines of business within IT Duivision. Support Project Porfolio team in project priortization and incluson of Project Budget into Consolidated Spend Plans and Quarterly Forecast Updates

Career medium 06
Career medium 05

TD Bank Group

Intermediate Financial Analyst

Financial Analysis and Planning, Enterprise Technolgy Solutions
Finance Analyst Supporting Technology Risk and Information Security Team within Technology Services(IT)
Promoted in 2009 to Senior Financial Analyst in recognization of performance in supporting TRMIS Team in Financial matters


TD Bank


Managed maintenance and changes to Retail Banks Management reporting systems including
Sales Reports, Net Interest Income and Sales Channels transfer pricing reports.
· Ensured changes to finance reporting systems were accurate and appropriate approvals were in
· Developed relationships with Product and Channel groups to translate their business reporting
requirements with internal application developers.
· Participated in User Acceptance Testing and Quality Testing of conversion of Finance data
warehouse to PeopleSoft Database and conversion of banks multiple general ledger to common
chart of accounts.
· Ensured sufficient controls in place and worked with internal risk management groups to build
process maps for new employee manuals and supported new Sarbanes-Oxley legislation

Career medium 03
Career medium 05

TD Bank Financial Group


Developed Framework and Report on Net Interest Income margins of Banks Interest bearing
Products including Money-In and Money-Out.
· Supported Retail and Commercial Business segments in understanding changes in Net Interest
Income due to changes in product pricing and interest rate changes.
· Worked with product groups with new product launches and understanding of profit margin
potential. Engaged cash management teams to hedge products against margin (profit) erosion.
· Supported the development and testing of new in house Fund transfer pricing system; system
replaced 2 different systems due to merger.


TD Waterhouse Brokerage TD Bank

Senior Investment Rep

Represented organization in resolving disputes including investigating Trade disputes or errors.
· Reviewed Previous Day Trade Exception Reports; identified / took action on inappropriate trading due to insufficient margins, or trading restrictions or insider trading.
· Ensured trading errors remained low and followed up with investment reps. on trading errors to ensure their understanding of securities rules and internal procedures.
· Coached sales teams through call monitoring and mentoring; support branch manager in developing knowledgeable trading reps and focused on compliance and customer service.
· In times of long wait times or stock market volatility, accepted and processed client stock, option and mutual fund trades; ensured trades were congruent with clients risk profile.
· Investigated complaints received from Toronto Stock Exchange, Provincial Securities Commission or Financial Ombudsman.

Career medium 03

CFA Institute


Completed Levels 1,2,3 of Chartered Financial Analyst Program

Ryerson University

Continuing Education

Courses Completed
Business communications
Corporate Financial Management

Ontario Learn Durham College

Continuing Education

Courses completed
Introductory Programming Visual Basic
Introductory Programming C++

Laurentian University/Université Laurentienne

Honours Bachelor of Commerce, Finance & Accounting