About
TD Bank
Small business debit card issuance
As part of the product and delivery team behind TD’s debit card maintenance micro-app, I redesigned how colleagues issue debit cards to small businesses, migrating off legacy software and building fraud prevention directly into every issuance flow.
Role:
Lead UX Designer
Duration:
6 Months
Platforms:
iOS, Android and Webapp
Context
Our team defined, designed and built the micro-app where every debit card maintenance task lives. Issuance was where TD tightened controls most.
Challenge
Small businesses bring authorized users, a 5-card limit and screening for every cardholder. None of which can slow colleagues down.
Resolution
A four-step guided flow in Odyssey where the rules are built in.
Two initiatives
For five years, TD has been improving how colleagues issue debit cards. This project sat at the intersection of two initiatives: a migration from the legacy Encore app to Odyssey, and tighter anti–money laundering controls after a high-profile fraud event.
I was on the product and delivery team responsible for defining, designing and developing the debit card maintenance micro-app in Odyssey. Anything related to maintaining a debit card lives under one roof.
Micro-apps
Issue card
Re-issue card
Close card
PIN reset
Account linking
Change card lmits
Owners, and the people they trust.
Owners can set up a card for themselves, or for someone close to them who isn’t officially a TD customer. That second person, the authorized user, is where most of the risk and rules live.
Business owner
TD customer who owns the account
Requests a card for themselves
Requests cards for authorized users
Confirmed present in branch by the colleague
Authorized user
Close to the owner, not a TD customer
Receives a card on the business
Screened: name, DOB, SSN, address, citizenship
Requests a card without the owner
Make the rules part of the flow.
Sanction screening, built in
Name, DOB, SSN, address and citizenship are designed into the flow for every cardholder, so screening always runs — never as an afterthought.
Adaptive business rules
The flow enforces the 5-card limit and authorized-user permissions inline, so colleagues never need to memorize policy.
Owner-present due diligence
Before issuing to an authorized user, the colleague confirms the business owner is in the branch — the extra diligence becomes a step, not a memory test.
One app, all issuance
Personal and small business issuance now live in one Odyssey workflow, ending the switch between Encore and other tools.
Account selection
Colleagues handle primary and secondary accounts, existing cards and the 5-card limit...all in step one.
Existing linked cards and cardholders appear as soon as an account is selected.
Secondary accounts can be added, each with its own linked-card view.
Verify primary address
Business addresses change. Verifying before a card is printed prevents wasted cards, returned mail and fraud risk.
Select a cardholder
Every regulatory requirement converges here: each cardholder verified in one view, within the business’s limit.
Expanding a cardholder reveals exactly what’s captured for screening.
The cap recalculates against existing cards. No mental math.
Card delivery options
Four cards can mean four people. Instead of repeating the same decision, every delivery choice lives in one table.
Summary
The final screen tells the customer exactly what happens next, per card — and lets the colleague start the next request.
