Tracy Duan
Product Owner, Program Delivery Lead @TD
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WORK HISTORY
Product Owner, Program Delivery Lead @TD
Toronto, ON, CA
Driving transformation across core banking, credit platforms, Enterprise Payments, and commercial banking. Delivering initiatives that unify strategy, technology, and Agile execution to strengthen speed, resilience, and client experience. • Led product strategy and lifecycle delivery across major payment capabilities—including real-time payments (Interac e-Transfer / RTR), cross-border transfers, SWIFT/LYNX wires, real-time clearing & settlement, and ISO 20022 compliance. • Built multi-year product roadmaps aligned to enterprise priorities, regulatory mandates, and Payments Canada modernization frameworks. • Partnered with Legal, Compliance, and Risk to ensure FINTRAC, AML, and Payments Canada regulatory adherence and audit readiness. • Applied structured prioritization across SAFe trains to balance customer value, regulatory urgency, and operational risk. • Delivered RTR-enabling e-Transfer upgrades, Payment Canada Advanced Funds Transfer (third window), credit platform transformation, LYNX Remittance/ISO 20022 modernization, fraud-prevention automation, and end-to-end operational optimization. • Drove Agile execution leveraging SAFe SPC expertise, improving delivery predictability, transparency, and alignment across business and technology.
EDUCATION
Nanjing University of Science and Technology
Master, System Engineering
University of Waterloo
Professional Diploma, Computer and Information Sciences, General
SKILLS
ABOUT TRACY DUAN
Payment Product Owner & Delivery Lead with deep experience building and advancing products across global and domestic payments—including SWIFT (ISO 20022), RTGS real-time clearing and settlement, ACH/ACSS batch processing, cross-border money movement, Interac e-Transfer, debit/credit cards, and digital payments.I combine strong payments domain expertise with product management, Agile delivery, and SAFe leadership to drive the full product lifecycle—from strategy and roadmap creation to execution and launch—ensuring solutions are scalable, resilient, and compliant.I’m passionate about building customer-centric payment capabilities that improve reliability, support modernization, and enable thoughtful innovation across both core systems and emerging payment products.Professional Certifications: PMP® | SAFe® SPC | SAFe® PM/PO | SAFe® SM | CSM® | CBPA® | CSC
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