Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Business Optimization Analyst
DUCA is looking for a Business Optimization Analyst join to our growing team! 
Job Purpose & Summary
The Business Optimization Analyst is responsible for supporting DUCA-wide initiatives that drive operational excellence, digital transformation and continued growth. The role partners with senior stakeholders across the organization to assess, analyze, redesign and optimize  business processes that directly impact employee performance and member experience. The Business Optimization Analyst assesses current state processes then recommends, and participates in, the design and development of future-state processes that deliver tangible business benefits. This role supports initiatives that may or may not involve technology, with a primary focus on business processes within the current operating environment that affect DUCA employees’ day-to-day work and the service provided to Members.
Business Optimization Analyst supports work streams on key strategic projects which require root cause analysis or determination of detailed design specifications to achieve the stated/future state. This role will support multiple business partners in the creation of employee-facing procedures, job aids, communications, and training materials
Key Accountabilities & Duties

Lead workshops and discovery sessions as appropriate with senior stakeholders and subject matter experts (SME) to gather business requirements and understand current state processes independently.
Independently provide process improvement recommendations to the Director, Process Excellence & Automation to address business areas of opportunity and partner to present recommendations to senior stakeholders related to process improvements and DUCA-wide initiatives.
Engage with senior stakeholders and lead the approved process improvement implementation plan in respective teams.
Translate business outcomes into requirements and convey acceptance criteria, future‑state process designs, outcomes via User Acceptance Testing (UAT), and benefits realization to Business Systems Analysts, Automation teams, and Data teams as appropriate.
Contribute to test case development for projects and new product launches and assist with (UAT) as needed.
Collaborate with IT teams and external vendors to resolve defects, validate fixes, and confirm operational readiness prior to release.
Independently prepare Forms, including system linked Forms (currently in Doxim LOS, ASAPP (AOS and LOS), and DNA.
Collaborate with IT to build automations using approved tools and applications (e.g., Power Automate, Power Apps, etc.) to execute on process improvement recommendations
Design and support form integrations to key DUCA platforms including Doxim LOS, ASAPP (AOS/LOS), Lodestar, Central 1’s Forge, JUDI.AI, and DNA; ensure data integrity, workflow orchestration, exception handling, and non‑functional requirements are addressed.
Support, collaborate, and partner with business process owners and stakeholders across DUCA, working in a Centre of Excellence (CoE) manner that facilitates shared understanding and “buy-in”.
Influence stakeholders at various levels to adopt new ways of working and support change management assisting with communications, process readiness, and training alignment.
Act as an expert in documenting problems, opportunities, and/or issues to be addressed.
Define scope, key outcomes, and objectives of the work as well as key performance
Define and document current processes using a variety of both independent and collaborative techniques (existing documentation review, interviews, job shadowing, use cases, hands on testing, technical investigation).
In collaboration with IT teams, provide guidance and insights with consideration to preferred approaches, technological capabilities/limitations/possibilities, including impact to other functions and teams, and business risks and/or rules that apply to process steps.
Develop future‑state process maps/ workflows / and SOPs with designs that balance efficiency, member experience, compliance, and operational feasibility.
Contribute to DUCA’s process standards, templates, and governance frameworks (e.g., documentation conventions, control taxonomy, benefits tracking).
Conduct root cause analysis required to identify and communicate the causes of problems and/present actionable recommendations with range of solutions from toolkit such as process improvements, automation and reporting solutions using SQL queries.
Use basic SQL and Power BI to validate process performance, identify trends, and support insight generation.
Lead DUCA-wide process discovery, mapping, and redesign of end‑to‑end processes using BPMN and standardized methodology.
Support business process owners in the implementation of future-state designs, as required to achieve time savings, improve member experience, enhance employee experience and/or reduce risk.
Participate in project teams formed for new products, process, and/or technology implementations according to the accountabilities agreed upon by project leads, project team, and Project Managers and completing assigned work package
Act as the process SME to other DUCA teams and employees when process maps and supporting documentation outputs require transformation into employee-facing materials such as procedures and job aids.
Provide lessons learned/close-out materials at the end of the projects/initiatives.
Write SQL queries to obtain data and create fields for Forms.
Develop playbooks, templates, and training materials to elevate process excellence capability across DUCA.
Coach other analysts, SMEs, or project resources on process modelling, requirements practices, UAT execution, and continuous improvement methods.
Support the training of new team members.
Keep abreast of emerging technologies and acquire new skills as required to support the role.
Other duties may be assigned as needed.
Occupational Experience & Education Requirements

University degree required in technology or business, or related field
5+ years’ experience in business process improvement/ analyst role within a financial services organization
Extensive experience in the financial services industry is required, preferably in a banking operations position
Experience in projects and/or as part of user acceptance testing and/or quality assurance validation
Experience with Lean methodologies, Database modelling using Power BI or a similar tool is an asset
Knowledge, Skills & Attributes

Excellent time management, organization, and self-motivation skills
Knowledge of banking processes, preferably on both deposit taking and lending operations
Strong written and verbal communication skills and the ability to effectively interact with senior stakeholders across a variety of business units and levels across DUCA
Strong working proficiency in Microsoft suite of products (Visio, Excel, Word, PowerPoint, Teams, SharePoint) and Adobe
Experience with automation tools such as Microsoft Power Platform and RPA tools and ability to learn new systems quickly
Experience writing database queries using SQL
Ability to create visual models such as complex work-flow diagrams/process maps etc.
Ability to lead working sessions and perform research/testing to derive work steps and create detailed documentation, using both low-tech and high-tech approaches
Ability to ask good probing questions, listen to answers, absorb and make meaning of context and content
Critical thinking and problem-solving skills with the ability to identify root causes to presenting issues and then recommend options/approaches to address same
Ability to analyze and organize data and present findings in a format that support business decision making
Senior stakeholder relationship management
Ability to manage ambiguity and embrace new information and learning as it surfaces
Able to work on multiple initiatives at the same time and manage time commitments and deadlines
 Working Conditions
Normal office environment with occasional travel to DUCA branch locations.
 
Department: Operations
Primary Location: Corporate Office 
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $64,023 to $80,029.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Financial Services Officer (Travel Required) 
We are looking for a new Financial Services Officer to join our dynamic West Region Branches! This role requires travel to Burlington, Hamilton and Mississauga branches. Must be available on Saturday's.
Branch Hours

Mon to Wed: 9:30 am to 5:00 pm
Thur: 9:30 am to 7:00 pm
Fri: 9:30 am to 5:00 pm
Sat: 9:30 am to 1:00 pm
Job Purpose & Summary
The Financial Services Officer (FSO) plays a key role in helping our Members to do more, be more, and achieve more with their money and their lives. The Financial Services Officer establishes relationships with Members, understands their goals, and provides them with holistic financial advice on a range of DUCA products and services that will enable them to achieve these goals. The FSO also helps develop new business with existing and potential Members through participation in branch campaigns and events, and establishing relationships within the community.
The FSO is a senior member of our small branch advisory teams and is responsible for providing leadership and coaching to other team members in the absence of the Branch Manager. 
Key Accountabilities & Duties

Establish strong relationships with Members and ask open-ended questions to discover Members’ life events, financial situation, risk profile, and short- and long-term goals.
Proactively provide needs-based advice by developing and presenting customized financial solutions that will help Members achieve their goals
Utilize sound interviewing, judgement and analysis skills to identify and provide recommendations on credit solutions within guidelines, on products including mortgages, loans, lines of credit and credit cards
Provide sound investment advice and identify appropriate solutions including registered and non-registered term deposits, TFSA’s, mutual funds, and other wealth solutions. Maintain up-to-date knowledge of economic and market conditions.
Open new Member accounts and provide other banking solutions to meet Member needs
Generate referrals for more complex needs to our Commercial or Wealth Management teams
Provide exceptional Member service by developing and deepening relationships, maintaining regular communication, and providing timely responses and value-added information and advice to Members
Work towards achieving or exceeding individual and branch objectives, while always acting in the best interest of our Members
Identify opportunities to develop business within the community and attract new Members to DUCA by establishing “centres of influence” outside the branch, and participating in community and branch events as a representative of DUCA
Complete and process all work within guidelines and in accordance to compliance, audit, policies, and procedures
 Occupational Experience & Education Requirements

Post-secondary education
A minimum of 3 years’ experience in a financial services sales environment and a minimum of 1 year in an advisory role with a proven track record in sales
Mutual funds license (e.g. IFIC), or working towards obtaining a mutual funds license
Experience working with or knowledge of a range of credit and investment products
 Knowledge, Skills & Attributes

Passionate about providing excellent Member service and helping others to achieve their goals
Exceptional written and verbal communication skills
Strong relationship management skills
Strong business acumen and financial industry knowledge
Proven sales skills
Strong attention to detail and time management skills
Experience using Microsoft Office suite of products
Experience using Customer Relationship Management (CRM), Loan Originating System (LOS), or other related software, considered an asset
Excellent analytical and problem-solving skills
Dedication to continual learning and development
Department: Retail Banking 
Primary Location: Burlington Branch - 2017 Mount Forest Drive (in the Mount Royal Plaza) Burlington, ON L7P 1H4, Hamilton Branch - 1270 Rymal Road East Hamilton, ON L8W 0C6, Mississauga Branch - 113 Queen Street South, Mississauga, ON L5M 1K7
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $57,857 to $72,321. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Credit Manager, Business Banking and Specialized Lending 
DUCA is looking for a Credit Manager, Business Banking and Specialized Lending to join our growing team! 
Job Purpose & Summary
The Credit Manager, Business Banking (also known as Small Business Banking in the financial services industry) and Specialized Lending is accountable for adjudicating small business Member loans and high net worth Member loans secured by investments and insurance through sound credit granting principles. Credit decisions will be kept within the parameters of DUCA’s risk appetite and tolerances, and comply with DUCA’s policies, procedures, and guidelines. 
By developing strong relationships with both the Business Banking and Specialized Lending Teams (“Lending Team”) and external partners, this position ensures Member satisfaction and support the healthy and sustainable growth of DUCA’s Business Banking and Specialized Lending loan portfolio. 
As a senior credit professional, this position is involved in monitoring market conditions and any regulatory changes that require changes to credit policies, procedures, and guidelines related to Business Banking and Specialized Lending.
Key Accountabilities & Duties

Review and adjudicate credit applications and transactions within assigned credit limits in a timely manner
Provide independent, objective reviews and approvals to credit applications and other matters which have been agreed to and/or recommended by the Lending Team
Review all loan applications and reviews prior to submission to senior management, to ensure the completion of due diligence and adherence to DUCA’s policies and guidelines
Provide decisions and approvals on adjudicated credit transactions/applications and communicate effectively with Management to ensure rationale and decision is clearly understood
Review commitment letters and draw requests to ensure credit terms and conditions are respected
Write succinct credit memos or credit announcements to communicate credit perspective and rationale for new credits and credit extensions
Communicate with the Lending Team about specific credit applications and transactions to seek further information and modifications, if needed; discuss appropriate structuring for the deal and criteria required for approval; ensure that all information is credible, accurate, and relevant, including analysis and evaluation of the technical aspects (e.g., financial analysis, credit terms, structure, and collateral)
Respond to and resolve escalated issues raised by the Lending Team
Support DUCA’s Lending Team to ensure Member satisfaction
Support the healthy and sustainable growth of a profitable Business Banking and Specialized Lending loan portfolio by ensuring the credit granting provided is within DUCA’s prescribed asset quality standards
Provide support, when needed, to review and adjudicate commercial credit requests including new credit requests and annual reviews for approval at the appropriate lending authority.
Assess the impact of regulatory changes to existing policies, procedures and guidelines; monitor market conditions and make recommendations for enhancements to existing / creation of new policies, procedures and guidelines
Provide support in strategic projects, policy and process improvements initiatives related to Business Banking and Specialized Lending
Provide additional coverage for Specialized Lending credit reviews, adjudication and other matters related to investment lending
  Occupational Experience & Education Requirements

Bachelor’s Degree in business or a related field; or equivalent work experience with small businesses and / or high net worth lending within the financial industry
Pursing or having a CFA/CGA/MBA is considered an asset
Minimum 4-6 years Business Banking and / or high net worth lending underwriting / adjudicating experience is required
Minimum 4 years knowledge of financial statement analysis
Financial Statement analysis experience
Knowledge, Skills & Attributes

Sound credit judgement with demonstrated ability to understand the risk return trade-off and come up with well thought-out solutions to mitigate credit risk
Ability to articulate complex credit applications into succinct and balanced recommendations
Knowledge of various due diligence reports related to investment and insurance lending (Insurance Policies, Insurance Discussion Papers, Financial Statements, Tax Documents, Investment Statements, Pension Statements, etc.)
Understanding of commitment letters and other legal documents from a credit perspective
Understanding of Business Banking and high net worth banking/lending practices and end-to-end credit process
Understanding and knowledge of Commercial credit an asset.
Strong verbal and written communication skills with the ability to organize business information and develop it into cohesive, professional reports and presentations
Analytical skills and exceptional attention to detail
Highly developed critical thinking, problem-solving capabilities and excellent project management, planning, organizational, and time management skills with ability to handle complex multi-task assignments
Proficiency with MS Office Suite of products, including Excel
Experience working with a banking software
Ability to work in a dynamic and fast-paced environment, under pressure and with time-sensitive deadlines
Collaborates well in a team environment
Working Conditions

Normal office environment
Department: Retail Credit 
Primary Location: Corporate Office 
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Full-Stack Automation Engineer 
DUCA is looking for a Full-Stack Automation Engineer to join our growing team! 
Job Purpose & Summary
The Full‑Stack Automation Engineer is responsible for contributing to the designing, building, and maintaining of robust automation solutions that support DUCA’s automation strategy across integration, process automation, and quality engineering.  This role is highly hands‑on and works closely with the Automation Lead, Applications and Data team, Center of Excellence (CoE) team, and business stakeholders to deliver API‑driven automation, integration workflows, and scalable test automation for web and mobile platforms.  The Full‑Stack Automation Engineer applies strong technical skills across APIs, automation frameworks, scripting, and AI‑assisted automation tools to improve reliability, scalability, and delivery speed across DUCA’s technology landscape.
Key Accountabilities & Duties
Automation Solution Delivery

Design, develop, and support automation solutions across system integrations, workflows, and testing aligned to DUCA’s standards and patterns.
Build reusable automation components aligned to DUCA’s standards and patterns defined by Automation Lead.
Contribute to end-to-end automation solutions that improve operational efficiency and reduce manual effort.
Troubleshoot, optimize, and maintain automation assets to ensure reliability and performance.
 API & Integration Automation

Develop and maintain API-based automation and system-to-system integrations.
Implement automated data flows across core banking, digital, and third-party platforms.
Ensure automated solutions are secure, resilient, well-documented, and observable.
Support API-first designs and automation-friendly architectures in collaboration with application teams and vendors.
Test Automation (Web & Mobile)

Build, test, and maintain automated test suites for web and mobile applications.
Execute and enhance test automation frameworks to support continuous testing and faster release cycles.
Assist with integrating automated testing into project delivery.
Leverage AI-assisted testing tools to improve coverage, reduce test maintenance, and enhance defect detection.
AI-Enabled & Intelligent Automation

Apply AI-enabled automation tools to accelerate test creation, automation logic development, and defect analysis.
Participate in pilots and proof-of-concepts for emerging intelligent automation solutions.
Use data and insights from automation execution to continuously improve effectiveness and stability.
 Collaboration & Continuous Improvement

Work closely with the Automation Lead to refine standards, patterns, and best practices.
Collaborate with Applications and Data team, Center of Excellence (CoE) team, business teams, and external vendors through the Software Development Life Cycle
Contribute to knowledge sharing, documentation, and automation enablement across delivery teams.
Actively learn and adapt to evolving automation, integration, and AI technologies.
Qualifications & Experience

Undergraduate degree in Computer Science, Engineering, Information Systems, or a related field.
4–7 years of experience delivering automation solutions within large to mid-size organizations.
Hands-on experience with API-based automation and system integration.
Proven experience developing test automation for web and/or mobile applications.
Experience applying AI-assisted tools to automation or testing is strongly preferred.
Proven experience automating web and mobile application testing.
Experience with regulated environments and financial industry experience.
Relevant certifications in automation, cloud platforms, quality engineering, or AI considered an asset.
 Knowledge, Skills & Attributes

Strong experience with API technologies (REST, JSON, OAuth, OpenAPI) and integration patterns.
Proficiency with automation and integration tools (e.g., workflow automation, RPA, iPaaS, or custom frameworks).
Experience with test automation frameworks for web and mobile applications.
Proficiency with programming and scripting languages (e.g., Java, Python, JavaScript).
Experience leveraging AI/ML tools to enhance automation and testing.
Understanding of cloud platforms and modern application architectures.
Awareness of security, compliance, and data protection best practices.
Strong analytical and problem‑solving skills.
Hands‑on, delivery‑oriented mindset with attention to quality and detail.
Ability to work independently and collaboratively in cross-functional teams.
Clear communicator with the ability to explain technical concepts effectively.
Curiosity, adaptability, and a continuous‑learning mindset, particularly with AI and automation technologies.
 Working Conditions

Normal office environment
Occasional after-hours work may be required to support production deployments or critical data initiatives
Department: Information Technology 
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $64,023 to $80,029.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Automation Lead
DUCA is looking for an Automation Lead to join our growing team! 
Job Purpose & Summary
The Automation Lead is responsible for defining, designing, and enabling automation platforms, integration capabilities, and testing automation frameworks that improve the reliability, scalability, and delivery speed across DUCA’s technology landscape. This role leads system integration automation, API‑driven workflows, and AI‑enabled automation engineering practices across the organization.
The Automation Lead applies deep hands‑on expertise in APIs, integration tooling, and test automation while leveraging Artificial Intelligence to improve engineering productivity, solution quality, and platform reliability. The role plays a critical leadership function in embedding automation‑first and quality‑by‑design within delivery teams through standards, frameworks and enablement.
This role partners closely with teams across DUCA including the Applications and Data team, Centre of Excellence (CoE) teams, business stakeholders, and external vendors to provide technical feasibility assessments, identify automation opportunities, design resilient automation frameworks, and enable scalable automation across core banking, digital channels, and organization-wide platforms, including AI‑assisted web and mobile testing.
 The Automation Lead will be responsible for goal setting, coaching and development of their direct reports as well. 
Key Accountabilities & Duties
Automation Design Architecture

Evolve DUCA’s automation capability across system integration, orchestration, and quality engineering.
Define standards, patterns, and best practices for API‑based automation, orchestration, and integration workflows
Design end‑to‑end automation architectures aligned with security, scalability, and compliance expectations in a banking environment.
Collaborate with the data team, Centre of Excellence team, business stake holders, and application teams to ensure automation solutions align to DUCA’s target‑state technology roadmap.
Serve as a subject‑matter expert on automation technologies, AI‑assisted automation, and modern integration patterns.
Review and recommend business-built AI agents and automation scripts for implementation.
Provide architectural, security, and integration guidance through automation governance for solutions developed by business and operations teams.
API & Integration Automation

Design, build, and maintain reusable automation solutions leveraging APIs, the data warehouse, and integration tools.
Automate system‑to‑system interactions across core banking, digital, and third‑party platforms.
Ensure automated integrations are resilient, observable, and documented, with appropriate error handling and monitoring.
Partner with development teams to promote API‑first designs and automation‑friendly system architectures.
Support secure automation practices including authentication, authorization, and data protection.
 AI‑Enabled Automation & Process Optimization

Identify and implement opportunities to leverage AI and intelligent automation to reduce manual effort and accelerate delivery in partnership with CoE and Project teams
Apply AI tools to support automation logic generation, test script creation, defect analysis, and workflow optimization.
Evaluate and recommend emerging AI automation platforms and tools from IT architecture, compliance, and business value perspective
Continuously improve automation effectiveness using data, insights, and AI‑driven feedback loops.
 Test Automation (Web & Mobile)

Lead the design and implementation of scalable test automation frameworks including web and mobile applications.
Leverage AI‑assisted testing tools to increase test coverage, reduce maintenance effort, and improve defect detection.
Integrate automated testing into project delivery to enable continuous testing and faster release cycles.
Collaborate with delivery teams to embed automation early in the software development life cycle.
 Qualifications & Experience

Undergraduate degree in Computer Science, Engineering, Information Systems, or a related discipline.
7–10 years of progressive experience delivering IT automation, integration, and/or quality engineering solutions within large to mid-size organizations.
3+ years’ people management experience
Demonstrated experience automating solutions in banking or financial services using APIs and integration platforms.
Hands‑on experience designing and implementing automation frameworks for system integration and testing.
Demonstrated experience applying AI‑enabled automation tools to improve engineering efficiency and solution quality.
Proven experience automating web and mobile application testing.
Experience with regulated environments and core banking platforms is an asset.
Relevant certifications in automation, cloud platforms, quality engineering, or AI considered an asset.
 Knowledge, Skills & Attributes

Strong experience with API technologies (REST, JSON, OAuth, OpenAPI) and integration patterns.
Proficiency with automation and integration tools (e.g., workflow automation engines, RPA, iPaaS, or custom frameworks).
Experience with test automation frameworks for web and mobile applications.
Familiarity with CI/CD pipelines and DevOps practices.
Working knowledge of programming or scripting languages (e.g., Java, Python, JavaScript).
Experience leveraging AI/ML tools to enhance automation and testing.
Understanding of cloud platforms and modern application architectures.
Familiarity with ITIL and organization-wide governance frameworks considered an asset.
Strong analytical and problem‑solving skills.
Ability to translate complex technical solutions into business value.
Hands‑on, delivery‑oriented mindset with strong attention to quality.
Excellent communication and stakeholder‑management skills.
Ability to influence and lead without formal authority.
Curiosity, adaptability, and a continuous‑learning mindset, particularly with AI and automation technologies.
 Working Conditions

Normal office environment
Occasional after-hours work may be required to support production deployments or critical data initiatives.
Department: Information Technology
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Accounts Payable, Accountant 
DUCA is looking for an Accounts Payable, Accountant to join our growing team! 
Job Purpose & Summary
The Accounts Payable, Accountant serves as the primary contact for DUCA’s end-to-end accounts payable cycle. This role ensures all invoices are processed and paid accurately and on time, while supporting the Finance team with period-end closing activities including reconciliations. This position is independently responsible for the accounts payable function, including verifying and reconciling invoices, monitoring expenses, and maintaining detailed records. Additionally, this position prepares journal entries, performs account reconciliations, and assists with closing processes.
Role: 70% accounts payable 30% accounting reconciliations
Key Accountabilities & Duties

Organize and identify the nature of invoices to efficiently process them to proper GLs
Ensure approvals from the appropriate business units in accordance with delegation of authority matrix
Process weekly payments via cheques, wires and EFT for approved invoices, and monitor bi-weekly Accounts Payable Aging to ensure timely payment
Book the bank transfers in the core banking system, make credit card payments, and ensure accuracy and timeliness.
Book month-end and year-end accruals, book prepayments, book journal entries, void payments and monitor vendor information where required
Co-ordinate the transition from cheque and wire payments to EFT payments
Reconcile vendor statements, serve as the point of contact for invoice-related inquiries, and resolve issues promptly
Respond to incoming calls and emails from vendors; address, redirect, or escalate as appropriate
Review employee travel and expense reports for proper coding, approval, and policy compliance; coordinate with employees where required
Work closely on project related expenses to review and determine appropriate accounting treatment (capital or expense)
Prepare reconciliations for the month-end and year-end close processes. Investigate and remediate reconciling items by working with internal and external stakeholders.
Assist with annual audits and business units’ requests for invoices
Assist in analyzing and documenting significant periodic expense variances
Help determine opportunities to streamline processes, identify automation opportunities, eliminate unnecessary or redundant tasks, and improve governance and oversight
Develop and implement accounts payable procedures by documenting and analyzing current procedures and recommending changes
Complete other accounting related duties, as required
 Occupational Experience & Education Requirements

2+ years of accounts payable related working experience
Understanding of principles of finance, accounting, and bookkeeping required
Degree in (or working towards) Accounting, Finance or Commerce considered an asset
 Knowledge, Skills & Attributes

Strong analytical and communication skills (written and oral)
Strong understanding of accounting principles
Strong mathematical and data entry skills
Ability to multi-task with a high level of attention to detail and accuracy in a deadline driven environment
Ability to prioritize tasks and manage an increased workload and demands during peak periods
Strong computer skills including Microsoft Word, Excel, and Adobe
Ability to establish and maintain effective working relationships with co-workers at all levels within the organization
Strong problem-solving and investigative skills, and the ability to make sound recommendations
Demonstrated discretion and confidentiality when handling sensitive information
 Working Conditions

Normal office environment with standard work week of 38 hours with additional time required to meet deadlines and project deliverables.
Department: Finance
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $51,904 to $64,880.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Senior Officer, Administration
DUCA is looking for a Senior Officer, Administration to join our growing team! 
Job Purpose & Summary
The Senior Officer, Administration (Specialized Lending) will fulfill day-to-day operations regarding all aspects of credit up to the point of funding for Specialized Lending. The incumbent will process credit requests for Investment Loans and Margin Secured Lines of Credit, margin accounts, gather information and prepare preliminary review documentation in support of annual reviews, calculate the payment of trailers to advisors and overrides to MGAs and investment dealers; and provide ongoing advisor and Member service interactions via phone and email in the spirit of service excellence.
The Senior Officer, Administration skillfully and tactfully manages internal and external stakeholder relationships, fulfilment of critical, time-sensitive processes and ongoing support of advisors and related parties. As a specialist in credit administration surrounding Specialized Lending products and services, the incumbent assists in the development and refinement of administrative processes and the testing and implementation of new products.
Key Accountabilities & Duties

Develop contacts, obtaining policy summaries and illustrations from insurance companies
Develop a team-player approach with third party contacts, following up regularly, but respectfully, building relationships over time & learning how representatives of each organisation prefer to correspond (email, fax, mail)
Make recommendations to Senior Manager, Administration and Product Director for improving all aspects of this business process

Prior to a request to Credit Risk for funding:
Verify the completeness of all collateral security documentation, including where appropriate: application forms, guarantees, Solicitor’s Letter of Opinion, priority assignment of life insurance policies, revocability of beneficiaries on life insurance policies and Assignments of Life Insurance Policies
Register collateral security on PPSA within urgent timeframes
Verify conditions precedent are met prior to account funding, including confirmation of security values, receipt of all relevant corporate governance documentation (e.g. Certificate of Status, Certificate and Agreement re: signing authorities, Certificate of Incorporation)
In coordination with Credit Risk, develop a check-list for all items which must be in place prior to funding

Update, verify, report and action of monthly margining of investment loan portfolio, including email communications to advisors regarding any accounts which are out of monthly margin and immediate notification to Credit Risk.
As per instructions from Credit Risk, call &/or email Members to redress margin breaches, while maintaining a high degree of professionalism, understanding and without sacrificing service excellence.
Calculate trailer fee payments to independent advisors and override payments to MGAs and dealers; and instruct Accounts Payable to process payments, along with detailed supporting documentation.
Interact professionally and deliver an experience of service excellence to advisors and Members via phone and email with respect to:
Account updates (increases, decreases, payouts)
Margin reporting (Q&A with advisors and Members)
Account balance inquiries
Interest payments and interest payment reporting for tax purposes
Details, timing and trouble-shooting regarding the payment of trailer fees to advisors and overrides to dealers and MGAs.
Support the Senior Manager, Administration in the development and refinement of administrative processes, identifying opportunities and making recommendations to improve the efficiency and effectiveness of all administrative activities.
Relative to assigned relationships with Senior Manager(s), Portfolio Management, track annual review status for all accounts…
Providing monthly advanced notice of reviews due
Obtaining and providing Senior Manager updated personal &/or corporate financial statements from advisors
Obtaining (with rigorous follow up) and providing Senior Manager updated life insurance illustrations and policy summaries from insurance carriers
Reporting overdue reviews to the Senior Manager, Administration for escalation

Produce reports that provide Sales and Portfolio Management team members with insights that enable them to coach their teams to maximize product sales and fee income, and to minimize Member experience issues and revenue leakage.
Participate in new product development, testing, and development and implementation of efficient end-to-end business processes that leverage technology enablers to ensure all new products can be operationalized to deliver a superior Member experience while mitigating risk to DUCA.
Under the guidance of the Senior Account Manager, Specialized Lending, prepare lending requests for Investment Loans and Margin Secured Lines of Credit and submit for approval to Credit Risk.
 Occupational Experience & Education Requirements

University degree or equivalent work experience in Business Administration
Minimum 5 years of administrative experience working with retail and corporate lending and estate settling
Experience with all aspects of credit fulfillment (collateral security, insurance assignments, PPSA registrations) process for personal and business lending
Administrative experience supporting Specialized Lending products, secured by non-registered investments and the Cash Surrender Value of permanent insurance policies would be an asset
Knowledge, Skills & Attributes

Knowledge of retail and commercial lending products
Strong computer skills including MS Office
Analytical and problem-solving skills with the ability to reconcile data, identify root causes of problems, recommend approaches, and determine potential solutions.
Excellent written, verbal, and interpersonal skills
Proficient with Excel
Ability to deal with Member complaints and respond appropriately
A proactive, self-manager able to work on multiple initiatives at the same time and manage to commitments and deadlines
Knowledge of Estates and related payment processes
Knowledge of Specialized Lending products and business ecosystem, including MGAs, insurance companies, MFDA & IIROC dealers and wealth advisory firms would be an asset
Independent and highly motivated
Effective team player and ability to work well within a group setting.
 Working Conditions
Normal office environment.
Department: Specialized Lending 
Primary Location: Kitchener Office - 4195 King Street E, Unit 110, Kitchener, Ontario N2P 0C1
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $69,956 to $87,445. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Regional Operations Coordinator
DUCA is looking for a Regional Operations Coordinator to join our growing team! 
Job Purpose & Summary
Working closely with the Regional Vice President, the Regional Operations Coordinator supports a variety of administrative, clean-up, audit, and regular reporting activities as well as some Member-facing activities, throughout their assigned region. This position is required to resolve questions quickly and collaborate with a variety of teams across DUCA to find answers to time-sensitive matters.
Key Accountabilities & Duties

As directed, complete administrative activities related to compliance and/or audit findings, helping to close any gaps in paperwork or information by attending branches within the region to pull paperwork or call Members to confirm or obtain information
Assist with first-level Member complaints or concerns, calling Members to enable problem resolution at the first point of contact
Review and compile data from multiple sources into accurate reports, tracking activities across the region or for specific branches
Make outbound awareness and service follow-up calls to Members as well as proactive outbound calls to book advisor appointments
Remain current on DUCA products, services, operational and risk policies, and procedures
Other projects and administrative duties, as assigned
Work with internal teams (Deposits, Estate Administration, Marketing, etc.) on assigned audit or clean-up activities, or to process Member requests
Attend Regional meetings as required
deliver exceptional customer service through developing relationships, maintaining regular communication, and providing timely responses and value-added information to Members
 Occupational Experience & Education Requirements

Post-secondary education
Minimum of 3 years’ banking experience, Credit Union experience considered an asset
Knowledge of retail banking products and services, knowledge of features and benefits of credit union products and services considered an asset
Experience with DUCA’s Banking System (DNA), Automated Loan Origination System (ASAPP), and Customer Relationship Management (CRM) system considered an asset
 Knowledge, Skills & Attributes

Passion for providing excellent Member service and helping Members to achieve their goals
Strong customer service, relationship building, and follow-up skills
Pro-active, motivated team player, comfortable working in a fast-paced environment
Demonstrated ability to take initiative and work independently
Strong written and verbal communication skills
Strong business acumen and financial industry knowledge
Ability to self-manage workload with strong time management, planning, prioritization, and organization skills
Excellent problem-solving skills, striving for continuous improvement of processes and practices
Experience using Customer Relationship Management (CRM), Loan Originating System (LOS), or other related software, considered an asset
Proficiency in Microsoft Office products, including Outlook, Word, Excel, and PowerPoint
 Working Conditions

Normal office environment. Standard work week of 38 hours with additional time may be required to meet deadlines and project deliverables.
Regular travel to branches in assigned region, working from one branch primarily with requirement to travel to other locations
Department: Retail Management
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $51,904 to $64,880.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Service Representative
DUCA is currently looking for a full-time Member Service Representative to join our dynamic Willowdale branch!
The Member Service Representative is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’s are curious about what Members need and want to know what they can do to help Members do more, be more, and achieve more with their money and their lives.
Branch Hours

Mon to Wed: 9:30 am to 5:00 pm
Thur: 9:30 am to 7:00 pm
Fri: 9:30 am to 5:00 pm
Sat: 9:30 am to 1:00 pm
Job Purpose & Summary
The Member Service Representative (MSR) is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’s are curious about what Members need and want to know what they can do to help Members do more, be more, and achieve more with their money and their lives.
The MSR provides outstanding Member experience and service that is accurate, timely, and efficient. As a team player, the MSR thrives in an environment where partnering to deliver stellar solutions is top of mind. This role is ideal for someone who loves to juggle multiple priorities, and above all, is passionate about representing DUCA on the front line with a smile; greeting members when they arrive and ensuring every Member feels welcomed and recognized.
MSR’s help uncover opportunities where DUCA can better help existing and potential Members, with our fantastic array of banking solutions and services. Once they identify the opportunity, the MSR figures out who can best help the Member whether it be themselves or a DUCA advisor (Financial Services Officer). The MSR will always follow up to ensure the Member was taken care of.
 As for the day-to-day responsibilities, the MSR will maintain cash balances, list and balance outgoing cheques, and balance all daily transactions. The MSR will ensure they are aware of, and adhere to, operating procedures and policies to safeguard the assets of the organization and the member.  Assists Branch to achieve Branch growth, targets, satisfactory compliance/audit.
Key Accountabilities & Duties

Delight each Member by providing outstanding service (both at the front counter and by phone), answering inquiries, and always striving to increase Member satisfaction
Promote DUCA’s full range of services by explaining benefits and features of DUCA solutions, open new Member accounts, and make quality referrals to an advisor through proactive probing
Make outbound awareness and service follow up calls to Members as well as proactive outbound calls to book advisor appointments
Handle Member requests for deposits, withdrawals, transfers, and other routine transactions
Identifies and fulfills Members’ financial service needs, e.g. cashing and certifying cheques, processing bill payments, ordering cheques, buying/selling foreign currencies, and processing wires, RRSP and term deposit transactions, as well as assisting Members get a debit card
Having up front dialogue with members to uncover financial needs with a talent for “opportunity spotting”
Solves Member issues using standard procedures and knows when to escalate non-standard issues, if
Remains current and up to date on DUCA products, services, operational, and risk policies and procedures.
Participates in local market business development opportunities and community involvement.
Assists with counting large cash deposits.
Completes general office duties, processing and administration as required.
 Occupational Experience & Education Requirements 

High School Diploma or equivalent (Undergraduate degree or equivalent preferred)
Experience working with and handling cash
Strong knowledge of computer systems
Two years’ experience helping Members or customers in either a bank or credit union environment, preferred
Previous experience with sales is considered an asset
 Knowledge, Skills & Attributes

You have a desire to learn and grow
Passion for working directly with Members and customers, finding ways to surprise and delight
Committed team player, demonstrating your enthusiasm for your job and Member every day
Multi-tasker who can organize and prioritize other work while putting the Member first
Excellent interpersonal and communication skills, both verbal and written
Strong attention to detail with ability to make decisions and provide friendly and personable service
Strong administration, organizational, planning and time management skills
Department: Retail Banking 
Primary Location: Willowdale Branch - 5290 Yonge St, North York, ON M2N 5P9
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $40,643 to $50,793.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Senior Leadership Facilitator
DUCA is looking for a Senior Leadership Facilitator to join our growing team! 
Job Purpose & Summary
While consistently demonstrating DUCA’s values of “Bringing out the best in others”, “Doing what’s right even with it’s difficult”, and “Making what’s possible happen”, the Leadership Facilitator works closely with partners across the organization to deliver training and facilitation that contributes to positive leadership development experiences.
The position is primarily responsible for delivering training through multiple venues including online and in-person to various audiences including executive leadership. The incumbent will collaborate as a subject matter expert on leadership training content and design that focuses on accelerating leader readiness, builds critical capabilities, and drives measurable business results in partnership with Sr Learning Partners. This position will also leverage session feedback, assessments, and business metrics to evaluate training/facilitation effectiveness, recommend learning solutions, and support leaders in developing self‑awareness, behavior change, and sustained performance improvement.
 Key Accountabilities & Duties

In partnership with key stakeholders, deliver an ongoing portfolio of leadership development solutions that accelerate leader readiness, strengthen leadership capability, and enable measurable business performance measures.
Act as a subject matter expert in defining training content requirements based on organizational leadership development priorities.
Collaborate on training/facilitation needs assessment, design, and evaluation of leadership development experiences that accelerate readiness, strengthen leadership capability, and enable measurable business performance in partnership with Sr Learning Partners.
Coordinate logistics and necessary preparations for training/facilitation sessions including but not limited to sending invites, attendance lists, and preparing necessary materials.
Deliver engaging, high‑impact workshops (in‑person and virtual) that leverage facilitation best practices and drive meaningful participant engagement.
Facilitate dialogue, experiential learning, and real‑time problem solving with diverse audiences from all employees, to emerging leaders and senior executives, including navigating resistance.
Utilize talent data, succession insights, and feedback to inform design of learning / training, and evaluate effectiveness.
Collaborate with Sr Learning Partners to analyze learner feedback and performance trends to update and align content and delivery methods ensuring continuous improvement and alignment to business priorities
Partner with HRBPs, People Leaders, and stakeholders to understand capability needs, leader’s expectations, audience context/group dynamics, and strategic business priorities.
Collaborate with SMEs and Sr. Learning Partners to support the design of relevant, scalable, and practical content, tools, and job aids aligned with organizational priorities.
Guide leaders in identifying strengths and areas of opportunity within their teams using data and feedback to support learning personalized development recommendations.
Support leaders in creating action plans during facilitations with accountability mechanisms that drive sustained behavior change and performance improvement aligned with training/facilitation content.
Apply adult learning principles, evidence‑based instructional design, and experiential learning methodologies to support the creation of impactful learning experiences.
Stay current on leadership research, organizational psychology, and learning & development trends, integrating insights into Leadership Development workshops and programs.
Diagnose leadership gaps from applicable training/learning and recommend targeted, scalable learning solutions that support both individual and organizational leadership needs.
Occupational Experience & Education Requirements

3+ years’ experience in leadership training or facilitation
5+ years’ experience in people leadership
Post-secondary degree in Adult Education or related field
Certified Training and Development Professional certification considered an asset
Certification in Facilitation an asset
Certification in coaching (ICF, AAC etc.) an asset
Certification in Leadership Assessments (Insights, MBTI, DISC, Crucial Conversations) an asset
Experience with change management (e.g. AIM) an asset
Demonstrated experience facilitating leadership sessions that maximize input from all participants
Post-secondary degree in Human Resources, Organizational Development, Psychology, Education, or related fields an asset
Knowledge, Skills & Attributes

Proven ability to facilitate groups with confidence, presence, and adaptability
Strong understanding of leadership models, emotional intelligence, coaching methodologies, and team dynamics
Strong business acumen with an understanding of how learning and development can positively influence business results and employee performance
Expertise in verbal and written communication
Expertise in storytelling
Expertise in relationship-building skills
Masterful questioning, inquiry and active listening skills
Advanced level of self-awareness and self-regulation
Expertise in managing group dynamics, energy and engagement at the senior leadership level
Adaptability and high-level real-time judgment
Proficient in Microsoft Office Suite
 Working Conditions
Normal office environment with occasional travel to DUCA branches as required.
Department: People & Culture 
Primary Location: Corporate Office 
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Data Architect
DUCA is looking for a Data Architect to join our growing team! 
Job Purpose & Summary
The Data Architect is responsible for contributing to the design and execution of DUCA’s organization-wide data architecture and analytics approach. This role leads the design, development, and optimization of DUCA’s data warehouse (Lodestar) and associated data platforms, ensuring data is reliable, accessible, and tactically leveraged across the organization to generate insight and enable self-service.
The role guides the business on how to maximize value from data, analytics, and AI-enabled tools through  hands-on technical expertise. The Data Architect collaborates closely with Business Systems Analysts, Technology teams, and business leaders to deliver high-quality data models, pipelines, dashboards, and insights that drive improved decision-making and operational excellence.
This role is accountable for data architecture, ingestion frameworks, data modelling, quality governance, analytics leadership, and enabling the organization to leverage advanced analytics and AI to increase efficiency and impact.
Key Accountabilities & Duties
Data Governance & Architecture Design

Build and maintain DUCA’s data architecture, including target-state design, standards, and execute on DUCA’s modernization roadmap.
Lead the evolution, expansion, and optimization of the Lodestar data warehouse and related platforms.
Establish best practices for data modelling, metadata, lineage, and semantic layers across all data domains.
Collaborate with business and technology leaders to prioritize data ingestion and integration initiatives aligned to DUCA’s strategic goals.
Champion data governance, including data quality standards, ownership frameworks, access controls, and stewardship practices.
Serve as DUCA’s subject matter expert on data structure, architecture, and analytical tooling.
Coordinate cross-functional collaboration between Business Systems Analysts, Data Stewards, and business partners to improve data literacy and maximize the value of data.
Data Engineering & Platform Development

Design, build, and optimize data ingestion pipelines ensuring reliable, timely, and secure data delivery.
Oversee data quality processes, observability, monitoring, and controls to ensure trust in core data assets.
Ensure all architecture and pipelines are documented and maintained in accordance with industry standards.
Collaborate with system owners to ensure data is integrated seamlessly across platforms.
Analytics, Reporting & AI‑Enabled Insights

Lead the development of dashboards, KPIs, and analytical assets that provide actionable insights for business units and leadership.
Drive adoption of self‑serve analytics through well-structured semantic models and governed data sets.
Identify and implement opportunities to incorporate Artificial Intelligence to automate analytics workflows, increase efficiency, and enhance decision-making capabilities.
Act as a partner to business leaders by translating data into insight-supported recommendations.
Occupational Experience & Education Requirements

Undergraduate degree in Computer Science, Data Science, Engineering, Business Technology, or related field.
7-10 years of progressive experience in data architecture, data engineering, or organization-wide analytics.
Demonstrated experience designing and managing organization-wide data warehouses, preferably in a financial services environment.
Hands‑on experience building and maintaining data pipelines, data models, BI solutions, and analytics platforms.
Experience with AI/ML technologies and integrating AI-assisted automation within analytics workflows.
Experience with banking systems or credit union environments is an asset.
Relevant certifications in data architecture, cloud, analytics, or AI considered an asset.
Knowledge, Skills & Attributes
 Technical Skills

Advanced SQL and strong proficiency in data modelling techniques (e.g., star schema, normalized models, semantic modeling).
Technical proficiency in modern data stack technologies, including ETL/ELT tools.
Proficiency with analytics and visualization tools such as Power BI or Oracle Analytics.
Working knowledge with data warehouse platforms such as Lodestar (or similar).
Strong understanding of database architecture, data pipelines, APIs, and integration patterns.
Skilled in Python or R for advanced analytics and automation (preferred).
Familiarity with AI/ML tools, cloud platforms, and modern data architecture paradigms (e.g., lakehouse, event-driven data).
Understanding of ITIL Framework, considered an asset.
 Attributes & Competencies

Strong communication skills with the ability to translate complex data into clear business insight.
Critical thinker with a hands-on mindset.
Excellent problem-solving, analytical, and critical-thinking skills.
Ability to build strong relationships across technical and non-technical teams.
Curiosity, continuous learning mindset, and a passion for enabling data-driven cultures.
Working Conditions
Normal office environment with occasional after-hours work required to support production deployments or critical data initiatives.
Department: Information Technology 
Primary Location: Corporate Office
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position is $87,445 - $120,741.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Credit Manager 
DUCA is looking for a Credit Manager to join our growing team! 
Job Purpose & Summary
The Credit Manger contributes to DUCA’s risk management program related to the Commercial Lending portfolio, including Term Financing, Construction, and Multi-Unit Residential Building (MURB) portfolios, as assigned. This position is accountable for conducting comprehensive reviews and analysis of new credit deals received from the Commercial Banking team and adjudicating applications within assigned credit limits.  
 As an experienced credit professional, this position is responsible for quality assurance of the submitted credit requests, portfolio monitoring, reporting, and project coordination, when applicable. The Credit Manager contributes to credit policies, procedures, and guideline updates based on current practices, feedback from first line of businesses, and changing market and regulatory requirements.
The Credit Manager develops strong relationships with Commercial Banking Team and external partners (MURB Counterparties and servicers, etc.) by providing guidance and support for healthy and sustainable growth of commercial loan/lease portfolio.  
Key Accountabilities & Duties

Independently review and adjudicate new credits and annual reviews within assigned credit limits in accordance with DUCA credit policy and guidelines, in a timely manner (the current delegated limit is up to $7.5 Million for new credit and annual reviews and up to $10 Million for connected credit)
Independently conduct detailed analysis on new credits and annual reviews and provide well-articulated and thought-out recommendations for credit adjudication which exceeds lending authorities for senior management approval
Approve annual reviews and credit amendments as per delegated lending authority, within assigned credit limits
Conduct objective review of due diligence documents (e.g. appraisals, environmental reports, lease agreements, industry reports etc.), financial spreadsheets, risk rating, financial models and conduct sensitivity analysis
Communicate with the Commercial Banking team to seek further information and modifications, if needed; discuss appropriate structuring for the deal and criteria required for approval; ensure that all information is credible, accurate, and relevant, including analysis and evaluation of the technical aspects (e.g., financial analysis, credit terms, structure, and collateral)
Review and approve commitment letters, construction draw requests, margin, or borrower base calculations
Discuss, negotiate and resolve credit related issues raised by Lending or other stakeholders
Perform analysis and provide reporting to management on the commercial credit portfolio; determine performance and risk associated with various segments of the commercial credit portfolio, such as by deal type or industry and make recommendations on potential changes to portfolio make-up
Keep a team activity log, pipeline report and assist with summary for various communications due at the month end
Support the due diligence and adjudication of securitized MURB transactions
Support the monitoring and presentation of Counterparty risks
Use sound credit judgment to assess, analyze, and present well-written recommendations for adjudication on new deals and annual reviews; communicate effectively with the Commercial Banking team and external counterparties to ensure rationale and decision is clearly understood
Undertake quality assurance reviews on commercial credit portfolio, track audit action items and coordinate with key stakeholders (lenders, funding team, analysts, adjudication team)
Support the healthy and sustainable growth of a profitable Commercial Lending portfolio by ensuring the credit granting provided is within DUCA’s prescribed asset quality standards
Stay abreast of regulatory changes and their impact on existing policies, procedures and guidelines; monitor market conditions and make recommendations for enhancements to existing / creation of new policies, procedures and guidelines
Coordinate various initiatives and projects for the Commercial Credit team
Provide additional coverage for Leasing credit reviews, adjudication and analysis as needed
Occupational Experience & Education Requirements

Undergraduate degree in Business, Finance, or a related field
Post-graduate degree or other related designation (CFA, FRM, CA etc.) considered an asset
5+ years’ work experience in commercial or real estate lending, or related field
Knowledge of construction finance / CMHC insured MURB financing is an asset
Minimum 4 years knowledge of financial statement analysis
Knowledge of or experience with real estate secured lending
Knowledge, Skills & Attributes

Strong ability to critically assess credit applications and demonstrate sound judgement in risk return trade-off
Ability to recommend well thought-out solutions to mitigate credit risk
Ability to articulate complex credit applications into succinct and balanced recommendations
Knowledge of various due diligence reports (g. appraisals, environmental reports, lease agreements, industry reports etc.)
Understanding of commitment letters and other legal documents from a credit perspective
Understanding of term financing, leasing, MURB, and Construction lending practices and end-to-end credit process
Knowledge of different lending products and sound lending practices
Knowledge of DNA (banking software) to extract information
Knowledge of the commercial real estate lending
Ability to analyze financial statements and perform meaningful financial analysis
Strong interpersonal and collaboration skills
Highly developed critical thinking, problem-solving capabilities and excellent project management, planning, organizational, and time management skills with ability to handle complex multi-task assignments
Strong attention to detail
Excellent written and verbal communication skills
Client-focused mindset and drive to do what is best for our Members
Proficient with Microsoft Excel, Word, and PowerPoint
Ability to work in a dynamic and fast-paced environment, under pressure and with time-sensitive deadlines
Collaborates well in a team environment
Working Conditions
Normal office environment 
Department: Commercial Credit 
Primary Location: Corporate Office
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Senior Risk and Reporting Analyst  
DUCA is looking for a Senior Risk and Reporting Analyst to join our dynamic team!
Job Purpose & Summary
The Senior Risk and Reporting Analyst is responsible for delivering high-quality data analytics, credit portfolio reporting, and risk insights across both retail and commercial lending portfolios. This role supports strategic decision making by analyzing portfolio trends, identifying emerging risks, and ensuring compliance with internal policies and regulatory requirements. The analyst will work closely with Risk, Finance and IT teams to enhance data quality, risk models, and reporting frameworks.  Conduct advanced portfolio analysis and make recommendations to enhance and implement credit portfolio strategies for key stakeholders, including the Chief Risk Officer (CRO).
The position leads the design, compilation and validation of key components of the DUCA’s risk management programs and strategies, and independently coordinates the collection and review of data from other key stakeholders across the organization including external partners, Finance and Treasury.
 Key Accountabilities & Duties

Maintain and improve all Retail and Commercial dashboards for accurate and effective portfolio monitoring.
Maintain and enhance robust data validation routines to ensure data completeness and accuracy
Collaborate with internal and external partners to improve the structure, governance, and automation of risk data.
Proactively identify any actual and potential portfolio performance concerns and propose timely resolutions and/or future mitigators.
Assist Retail & Commercial Funding and Administration teams to validate information fields in DNA system and develop and maintain appropriate reports to support interactions with key stakeholders.
Prepare management reports and presentations to support DUCA’s Credit initiatives.
Prepare and maintain all data and reporting requirements for new and existing Retail or Commercial Credit business initiatives.
Update and maintain all required monthly and quarterly internal and external reporting for Retail and Commercial Credit. This includes FSRA’s Quarterly and Monthly risk and regulatory report deliverables, in addition to the FSRA Enhanced Data Capture (EDC).
Implement and maintain Teranet House Price Index (HPI) data into DUCA data warehouse and produce effective data analytics.
Work with various data owners to discover and select available data sources from internal and external sources to fulfill analytical needs and identify any inconsistencies in the data.
Identify and recommend risk management policy and procedural improvements that enable the value-generation of data outputs with a focus on driving genuine business outcomes.
Work with the Quality Control team to ensure loan data input is accurate and compliant through data reviews.
Support the Quality Control team as needed.
Support DUCA’s Credit Leadership:

Support the management of governance meetings (e.g., credit committee, management, board meetings, etc.) as required; facilitate development and approval of agendas, gathering and distribution of documentation related to agendas, and creation of meeting minutes/output
Participate in the operational risk management process for DUCA’s Management Risk and Asset Liability Committee (MRALCO); conduct analysis and compile reports related to Commercial Credit and Enterprise Risk for DUCA’s Risk Management team. 
Risk Management Oversight:

Design, maintain, and validate the quality and integrity of all regular reporting to ensure DUCA is meeting all regulatory and internal management reporting requirements related to DUCA’s Credit portfolio.
Provide analytical data insights for monitoring and improving DUCA’s Credit portfolio, Retail and Commercial Policies and Guidelines, and Credit Risk Management Policy (CRMP).
Analyze portfolio performance metrics such as delinquency, default, loss rates, PD, LGD, EAD.
Perform segmentation and trend analysis across borrower, product, industry, and region.
Monitor and report on portfolio concentrations, early warning indicators and risk appetite breaches.
Independently perform retail and commercial loan Stress Testing (ST) and Internal Capital Adequacy Assessment Process (ICAAP), conduct scenario analysis, and continuously improve ST methodologies to meet changing loan risks, model iteration and market dynamics.
Manage and maintain retail & commercial credit portfolio data.
Stay abreast of data management system updates, trends and best practices in data analysis and reporting.
 Occupational Experience & Education Requirements

Undergraduate or above degree in Business, Statistics, Economics or Finance
2-3+ years’ experience in a Reporting or Business Analyst position in a financial institution
Underwriting / adjudicating experience an asset
Advanced VBA, Power Query programming skills with working experience in visualization and analytics tools such as Power BI, Tableau, etc.
Experience querying large, complex, and varied data sources by using SQL or python considered an asset
Experience in data sourcing, manipulation, and transformation
Completion of relevant courses, certificate or education in analysis, data management technology, or statistics considered an asset
 Knowledge, Skills & Attributes

Highly proficient with Microsoft Excel (formulas, pivot table), PowerPoint, and Word
Knowledge of Visual Basic for Applications (VBA), fluency with macros and/ or other automation tools
Proficiency in visualization and analytics programs like Power BI, Python, SAS, Tableau is an asset
Solid understanding of risks and exposures relating to retail and commercial lending products
Strong analytical and problem-solving skills with the ability to translate user requirements into succinct analysis and reports
Advanced reporting and data analytics skills
In-depth knowledge of risk management metrics, KRIs
Strong attention to detail to ensure accuracy of produced results
Ability to understand “the big picture” and articulate business consequences of portfolio trends
Ability to manage multiple projects in a fast-paced environment
Strong interpersonal skills, collaborates well in a team environment
Excellent verbal and written communication skills
Strong critical thinking and problem-solving skills
 Working Conditions
Normal office environment.
Department: Commercial Credit 
Primary Location: Corporate Office, 5255 Young Street, North York 
Employment Status: Full-time
Hours per Week: 38
Number of Existing Vacancies: 1
Salary: The annual salary range for this position is $69,956 to $87,445.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Mobile Mortgage Specialist
We are looking for new Mobile Mortgage Specialists in multiple locations! 
A mortgage professional who thrives in an entrepreneurial setting. Self-motivation is second nature to you, in not only accomplishing but exceeding your goals. You put your Clients first, always going above and beyond, enabling them to secure their homes and their futures. You take pride in leveraging, developing and nurturing relationships with your Clients, colleagues and communities. Trust, integrity, and accountability are key pillars to your success and are highly valued by you.
What we offer to our Mobile Mortgage Specialist 

Competitive best in class commission compensation plan (75bps -100bps on closed/funded mortgages) * as of today, subject to change
Guaranteed base salary for the first 3-months of employment and then a 100% commission structure
Employer paid benefits
Dedicated underwriting team
Partner referral program that pays up to 25 bps on all funded deals, no funding minimum!
Fully digitized loan origination systems
Full support from highly engaged management and Senior Leadership teams
Job Purpose & Summary
The Mobile Mortgage Specialist utilizes consultative selling skills to originate residential mortgage and home equity loans from real estate agents, home builders, lawyers, accountants, financial planners and other centres of influence. The Mobile Mortgage Specialist plays a key role in helping new DUCA members achieve their goal of home ownership by providing an exceptional level of service and advice while executing against business plan objectives.
Key Accountabilities & Duties

Proactively create opportunities to engage in client focused home financing conversations with the goal of bringing new Members to DUCA.
Prospect new and existing referral sources for residential mortgage leads using consultative selling techniques and by offering DUCA’s unique suite of products.
Meet with new Members at their convenience and submit relevant financial information and documentation to the credit adjudication team.
Monitor overall results and review progress against activities and sales goals.
Provide sounds credit recommendations and solutions catered to individual needs of new Members.
Participate in regular coaching sessions and monthly objectives setting.
Identify new member financial needs and cross sell opportunities and provide appropriate solutions.
Complete and process all work within guidelines and in accordance to compliance, audit, policies, and procedures
Occupational Experience & Education Requirements

Mortgage industry or financial services knowledge in a customer facing role.
Flexible to travel and work variable hours in a fast faced and competitive marketplace.
Results-driven individual and comfortable working independently.
A minimum of two years’ previous financial services experience preferred.
Knowledge, Skills & Attributes

Solid knowledge of residential mortgages and financial services in a sales/service capacity.
Well-developed communication and interpersonal skills including the ability to actively listen, connect and respond in a confident manner.
Comfortable meeting new people and presenting to a varied audience.
Ability to engage and connect with new prospects, referral sources and centers of influence.
Highly motivated and confident with strong prospecting and networking skills.
Highly developed customer and relationship management skills with ability to negotiate and influence.
Passionate about providing excellent Member service and helping others to achieve their goals
Strong business acumen and financial industry knowledge
Proven sales skills
Experience using Microsoft Office suite of products
Experience using Loan Originating System (LOS), or other related software considered an asset
Working Conditions

Frequent travel throughout designated region
Department: Retail Sales
Primary Location: Mobile - Multiple Locations 
Employment Status: Full-time
Hours per Week: 38
Number of Existing Vacancies: 2
Salary: This role offers a competitive compensation package under the Mobile Mortgage Specialist compensation plan, designed to reward employees for driving business growth and expanding their client portfolio. You will receive an income guarantee of $5,000 per month for the first three months in the role and will then switch over to 100% commission. The potential range for annual commission earnings can be anywhere from $100,000 to $150,000 however commission earnings have no minimum and no maximum and may fall outside the potential range depending on each individual’s performance.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Connect Representative (Full-Time)
DUCA is looking for a full-time Member Connect Representative to join our growing team! This is a great opportunity for candidates who enjoy working in a client services role, in a collaborative office environment. This role will be located on-site at our office in North York, Ontario. 
Call Centre Hours
Mon to Fri: 8am to 8pm
Sat: 9am to 5pm 
Job Purpose & Summary
The Member Connect Representative in our Member Connect Centre (Contact Centre) is the first point of contact at DUCA for many Members and potential Members. The Member Connect Representative will provide an exceptional Member experience on inbound and outbound calls, chats, and emails and, where possible, exceed our Member and non-member service expectations. This includes identifying opportunities to retain and grow the business by offering Members a full range of financial products and services to meet their needs.
Key Accountabilities & Duties

Provide an exceptional Member experience on inbound and outbound calls, chat, and emails
Contribute to the team goals by identifying all cross-sell opportunities to retain and grow the business by offering Members a full range of products and services to meet their needs via the telephone, email and
Assist Members with setting up on-line banking options and accurately process transactions on Member accounts within authorized limits.
Meet cross-sell, and productivity
Attract potential Members by answering product and service questions and suggesting information about other products and services.
Respond to Member inquiries and feedback knowledgeably and
Strive to deliver first call issue resolution by clarifying the Member’s concern, determining the cause of the problem, selecting and explaining the best solution to solve the problem. Take ownership and accountability for resolving Member service inquiries and/or issues from beginning to end.
 Occupational Experience & Education Requirements

Post-secondary education in a related field or a keen interest in the financial industry
Minimum of 2 years of related experience (i.e. contact centre or industry experience)
Previous Credit Union or financial services experience considered an asset
 Knowledge, Skills & Attributes

Strong customer service and interpersonal skills
Excellent verbal and written communication skills
Ability to recognize cross sell opportunities
Good judgment and decision-making capabilities
An effective time manager who can perform in a fast-paced, deadline-oriented environment
Knowledge of Microsoft Office Suite Products
Ability to organize, prioritize, adapt to change and work in a fast-paced environment
Self-motivated and results-oriented
Team player
 Working Conditions

Open concept contact centre
Department: Member Connect 
Primary Location: Corporate Office 
Employment Status: Full-Time 
Hours per Week: 38
Number of Existing Vacancies: 1
Salary: The annual salary range for this position is $40,634 to $50,793. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for