Francis Liu
Summary
Finance Executive - Banking – Insurance – FP&A; Executive finance leader with 20 years of progressive experience across Everyday Banking, Insurance, Wealth, and Retail Products. Known for driving P&L performance, leading high-impact finance teams, elevating enterprise insights, and partnering with executives to deliver growth and operational excellence.
Overview
17
17
years of professional experience
1
1
Certification
Work History
AVP & Senior Manager Finance, EveryDay Banking & Investing
TD Bank Group
Toronto, Canada
01.2021 - Current
- Lead finance strategy and P&L oversight for $8B ESI revenue portfolio, driving informed financial decision-making
- Lead and develop a high performing team of 6 finance professionals, elevating analytical rigor, stakeholder engagement, and overall insight quality
- Advise senior executives on deposit growth strategies, pricing models, and identify areas of opportunity to improve revenue
- Collaborated with cross-functional teams to align operational goals with business objectives.
- Partner with Treasury, Product, and Corporate Dev on FTP, investments, and M&A activities
- Produced executive-ready reports, forecasting insights, and competitor benchmarks to support strategic planning
Senior Manager & Manager, Life & Health Finance & Expense Management
TD Insurance
Toronto, Canada
01.2016 - 01.2021
- Oversaw $1B TD Insurance expense base, embedding strong financial discipline, improving cost transparency, and partnering with business leaders to optimize productivity and resource allocation
- Led financial management for Life & Health portfolio, overseeing forecasting, product profitability, pricing support, and performance analysis across multiple insurance product lines
- Analyzed reinsurance performance with Actuarial team and executed opportunities to enhance profitability
- Led financial management for Life & Health portfolio, overseeing forecasting, product profitability, pricing support, and performance analysis across multiple insurance product lines
- Analyzed reinsurance performance with Actuarial team and executed opportunities to enhance profitability
- Modernized reporting models to enhance business insights and decision-making
Senior Financial Analyst, EveryDay Banking
TD Bank Group
Toronto, Canada
01.2014 - 01.2016
- Developed an expense analysis tool that CAD Retail Finance adopted, enhancing cost transparency and reinforcing expense management discipline.
- Developed financial models to forecast revenue and expenses for various projects.
Strategy Analyst, Small Business Banking
BMO Financial Group
Toronto, Canada
01.2013 - 01.2014
- Analyzed Scorecard data to identify performance gaps, informing targeted training initiatives that enhanced team capabilities
Senior Strategy Analyst, Retail Products and Services
TD Bank Group
Toronto, Canada
01.2012 - 01.2014
- Developed executive briefing materials for branch visits, equipping EVP Retail Product with insights on sales performance, customer trends, and strategic priorities to drive focused business growth discussions and strategic planning initiatives.
- Analyzed market trends to inform strategic decision-making processes.
- Developed comprehensive reports to support senior management initiatives.
- Collaborated with cross-functional teams to align project goals and objectives.
Business Analyst, Global Treasury Management
BMO Financial Group
Toronto, Canada
01.2009 - 01.2013
- Conducted end-to-end cost study across Cash Management products, identifying loss-leading offerings and guiding targeted pricing improvements
- Analyzed business requirements and documented functional specifications for financial projects.
- Collaborated with stakeholders to gather insights and validate project objectives.
Education
Bachelor of Administrative & Commercial Studies -
University of Western Ontario
Skills
- P&L management
- Financial strategy
- Financial modeling
- Decision support
- Performance management
- Cost transparency
- Expense Management
- Risk management
- Operational excellence
- Process improvement
- Stakeholder influence
Certification
- TD Senior Manager Impact Program, 2022
- CFA Charterholder, 2016
- CPA (Illinois), 2008
Personal Information
Title: Finance Executive
Other Roles
HSBC Canada, International Operational Officer, Telephone Banking Customer Service
Timeline
AVP & Senior Manager Finance, EveryDay Banking & Investing
TD Bank Group
01.2021 - Current
Senior Manager & Manager, Life & Health Finance & Expense Management
TD Insurance
01.2016 - 01.2021
Senior Financial Analyst, EveryDay Banking
TD Bank Group
01.2014 - 01.2016
Strategy Analyst, Small Business Banking
BMO Financial Group
01.2013 - 01.2014
Senior Strategy Analyst, Retail Products and Services
TD Bank Group
01.2012 - 01.2014
Business Analyst, Global Treasury Management
BMO Financial Group
01.2009 - 01.2013
Bachelor of Administrative & Commercial Studies -
University of Western Ontario