Rizwan Khalfan is responsible for setting the strategic direction for all digital and payments activities, while creating more intuitive, personalized and integrated experiences that help customers live their lives. Rizwan's mandate includes partnering with business units across the organization to strategically invest in transformational digital capabilities, overseeing the evolution of the payments ecosystem, and collaborating with innovators, fintechs and start-ups, all with an eye on delivering differentiated experiences to customers and employees. Prior to this role, Rizwan was responsible for delivering the technology strategies and development supporting the bank's North American ATM, Phone and Online/Mobile channels. He has held roles of increasing seniority since joining TD in February 2002. Before joining TD, Rizwan worked for Citigroup, overseeing their Operations and Technology in Europe. A CFA charterholder, Rizwan is a graduate of the University of Toronto. He is married with three children, and actively involved in his community, serving on the Board of his children’s school. He is an avid tennis player.