Industry veteran brings 26 years of cards experience to role

WILMINGTON, Del., Oct. 3, 2022 /PRNewswire/ -- TD Bank, America's Most Convenient Bank®, today announced the appointment of Christopher Fred as Head of U.S. Credit Cards and Unsecured Lending (CCUL). Fred will lead strategic direction of TD's U.S. Bankcard, Retail Card Services and Card Partnerships business. He will report to Matt Boss, Head of Consumer Products.

TD Bank Names Christopher Fred as Head of U.S. Credit Cards and Unsecured Lending

"It's a very exciting time for our cards business, and we're pleased to have Chris at the helm," Boss said. "He brings decades of experience executing strategies with speed and efficacy, developing strong and collaborative teams, and building meaningful relationships, all attributes vital to our work with the CCUL team and the broader bank."

Fred joins TD after nearly a decade with Citi, where he managed the U.S. Proprietary Card portfolio, Cardmember benefits, rewards program and new product development. In his role at TD, Fred will drive strategy for the Bank's diverse CCUL portfolio, which includes TD's credit card suite, unsecured loan offerings and retailer partnerships. He will also oversee operations and infrastructure transformation work focused on enhancing customer experiences and enabling continued growth.

Over the last several years, TD has expanded its U.S. Credit Cards & Unsecured Lending businesses through launches of new products and services, including the TD Double Up Credit Card and the TD Fit point of sale installment loan, and continued additions to TD's retail partnership portfolio and retail financing offerings.

"The TD team stands out for its unrelenting focus on the customer," Fred said. "I'm looking forward to working with this seasoned group of leaders to continue developing and delivering innovative products that serve the changing needs of consumers and retailers."

Fred's career includes time at Goldman Sachs, where he led partnership initiatives and project management for the Apple Card, and 15 years at American Express in a variety of roles including product management, loyalty, and acquisition. He earned a B.A. from the State University of New York at Albany with a major in Economics and a minor in Political Science. He is based in New York.

About TD Bank, America's Most Convenient Bank® 

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at and  

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit


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