11:06 am
July 28, 2017

Tops at TD

Tops at TD
Allures for TD Bank customers include a strong commercial banking business and branches open seven days a week, Ernie Diaz says

Ernie Diaz leads TD Bank’s rapidly growing operations in Florida

By Kevin Gale | Photography by Larry Wood

Ernie Diaz, regional president for TD Bank in Florida, actively promotes business ties with Spain as chairman of the Beacon Council, but a party the bank hosted at the U.S. embassy in Madrid had particular resonance for his father.

Before Diaz traveled overseas to attend the party, his father told him a story – a reminder of what it means to live in the United States. “You are going to host an event at the house of the U.S. ambassador to Spain,” he told his son. “The last and only time that we were there, we were standing outside at 3 a.m. in the morning, 49 years ago, trying to get a visa to come to the U.S. Now, how great it is that you are going to host an event there?”

Indeed, Diaz’s business and civic career shows how he has lived the American dream. He arrived in Miami when he was 3, after being born in Pinar Del Rio, Cuba, and having stops in Spain and California.

In his role as state leader of TD Bank, Diaz has been leading one of the state’s fastest-growing banks. The bank has a strong customer orientation, evidenced by branches that are open daily and a best-in-Florida ranking by J.D. Power for customer satisfaction among banks.

“I think TD is a bit of a disrupter in many ways – in a good way,” Diaz says.

TD Bank has $10.86 billion in deposits in Florida, including $1.3 billion in Broward County, $1.9 billion in Miami-Dade County and $2.4 billion in Palm Beach County, according to the latest FDIC data.

TD Bank has grown to be one of the nation’s 10 largest U.S. banks. Its name comes from its parent, Toronto-Dominion, which trades under the ticker symbol TD and is the 19th-largest financial institution in the world, according to Forbes.

Before joining TD, Diaz worked with many of the most famous names in Florida banking history.

While going to college, he held a night job doing credit card collections for Barnett Bank and Southeast Bank, where he entered the management training program and became a nighttime supervisor.

He graduated from Florida International University, only to find Southeast taken over in 1991. He worked at Terrabank for nine years and then moved on to Union Planters, where he met two key mentors, Adolfo Henriques and Angel Medina Jr., who now lead Gibraltar Private Bank & Trust. In 2004, Regions Bank acquired Union Planters, and Diaz became the commercial real estate team leader in South Florida. He later became president of Mercantile Bank, until TD Bank acquired its parent company in 2011.

He likes the culture of diversity emphasized by the bank. “It’s something they live every day,” Diaz says. “If you see the makeup of my team, I am the poster child for diversity in Florida.”

Diaz also likes the emphasis on growth.

“We have very, very strong growth compared with my competitors,” Diaz says. “We have a convenience model that resonates in the market. People like the fact that they can walk in to any of my stores seven days a week. Couple that with a commercial banking strategy, and I think that’s why we are getting the results in the marketplace.”

While the bank has verticals in fields such as corporate and health care banking, it’s avoided the silo structure that some banks have, Diaz says. All the Florida operations report to him, and all the deposit relationships are still in the branches.

The bank has 151 statewide locations, two branches under construction and a few more planned to fill in market gaps, Diaz says.

At a time when online banking is growing quickly, TD Bank finds that some demographic segments, including older customers, still like going to a physical branch. Diaz says, “They are a very important segment to us, so why would you want to disrupt that?”

TD Bank would consider an acquisition in the state as well. “We have said in markets like Florida, if it would help build up a geography, we would look at it,” he says. “We have done de novo [creating new branches], and we do it well. But we would be opportunistic if there was an opportunity.”

A map of the state’s branches shows it is active in almost all the major markets, but there are no branches in the Panhandle and only one branch in the southwestern part of the state – a location in Naples that shares space with sister company TD Ameritrade, Diaz says.

Diaz will finish up his term as chairman of the Beacon Council in August. He is enthusiastic about what the public/private economic development organization is focused on, including capital investment, job creation and talent development.

Diaz likes how the council is positioning Miami as the city of the future, not just the gateway to Latin America. He says, “It’s an easy vision to embrace.”

Ernie Diaz

• Currently: Regional president for TD Bank in Florida, overseeing retail, small business, commercial and specialty banking at 170 locations

• Previously: Market president for TD Bank in South Florida; president of South Financial Group’s Mercantile Bank; middle market executive for South Florida at Regions Bank; leader of commercial real estate team at Regions Bank

• Community: Chairman of the Beacon Council executive board, Orange Bowl committee member

• Education: Bachelor’s degree, business administration, Florida International University; master’s degree, accounting, Nova Southeastern University; Florida-licensed CPA

62 comments

  • Hi would you mind sharing which blog platform you’re working with?
    I’m looking to start my own blog in the near future but I’m having a hard time making
    a decision between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design and style seems different then most blogs and I’m looking
    for something completely unique. P.S My apologies for getting off-topic but I had
    to ask!

    Reply
  • Heya i’m for the first time here. I came across this
    board and I to find It truly helpful & it
    helped me out a lot. I am hoping to provide one thing again and help others
    such as you helped me.

    Reply
  • You are so awesome! I do not think I’ve truly read through a single thing like that before. So good to discover someone with a few genuine thoughts on this subject. Seriously.. thank you for starting this up. This web site is something that is needed on the internet, someone with some originality!

    Reply
  • Hi, Neat post. There is a problem together
    with your web site in internet explorer, might check this?
    IE still is the market leader and a good element of people will
    miss your excellent writing because of this problem.

    Reply
  • Hello would you mind letting me know which webhost you’re utilizing?
    I’ve loaded your blog in 3 completely different browsers and I must
    say this blog loads a lot quicker then most. Can you recommend a good web hosting provider at a
    fair price? Thank you, I appreciate it!

    Reply
  • Hello there! Do you know if they make any plugins to help with SEO?
    I’m trying to get my blog to rank for some targeted
    keywords but I’m not seeing very good success. If you know of any please share.
    Thanks!

    Reply
  • Hey would you mind stating which blog platform you’re working with?
    I’m going to start my own blog soon but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal.

    The reason I ask is because your design seems different then most blogs and I’m
    looking for something unique. P.S Sorry for getting off-topic
    but I had to ask!

    Reply
  • Woah! I’m really digging the template/theme of this website.
    It’s simple, yet effective. A lot of times it’s very difficult to get that
    “perfect balance” between superb usability and visual appearance.
    I must say you’ve done a great job with this.
    Also, the blog loads super fast for me on Firefox.
    Superb Blog!

    Reply
  • I’ve been browsing online more than 3 hours today, but I never discovered any attention-grabbing article like yours.
    It is pretty worth enough for me. Personally, if all website owners
    and bloggers made good content material as
    you did, the internet might be much more useful than ever before.

    Reply
  • Hello there, I found your website via Google while searching for a related topic, your web site came up, it looks great. I’ve bookmarked it in my google bookmarks.

    Reply
  • Woah! I’m really loving the template/theme of this website.
    It’s simple, yet effective. A lot of times it’s very hard to get that “perfect balance” between usability and visual appeal.
    I must say you have done a superb job with this.
    Also, the blog loads extremely quick for me on Internet explorer.

    Excellent Blog!

    Reply
  • I am curious to find out what blog platform you are using?
    I’m experiencing some minor security problems with my latest website and I would like to find
    something more secure. Do you have any solutions?

    Reply
  • Wonderful goods from you, man. I’ve understand your
    stuff previous to and you’re just too excellent.
    I actually like what you’ve acquired here, really like what
    you’re saying and the way in which you say it.
    You make it enjoyable and you still take care of to keep it smart.
    I can’t wait to read much more from you. This is actually
    a tremendous site.

    Reply
  • What i do not understood is in reality how you are not actually a lot more
    neatly-appreciated than you might be right now.

    You are so intelligent. You recognize therefore considerably
    on the subject of this matter, made me in my opinion believe it
    from numerous varied angles. Its like women and men don’t seem
    to be interested unless it’s something to do with Woman gaga!
    Your personal stuffs nice. At all times take care of it up!

    Reply
  • I am really enjoying the theme/design of your site. Do you ever
    run into any internet browser compatibility issues?
    A number of my blog audience have complained about my site not working correctly in Explorer but looks great in Firefox.
    Do you have any ideas to help fix this problem?

    Reply
  • Hey there just wanted to give you a quick heads up. The words in your content seem to be
    running off the screen in Ie. I’m not sure if this is
    a format issue or something to do with internet browser compatibility but I figured I’d post to
    let you know. The style and design look great though!
    Hope you get the issue resolved soon. Kudos

    Reply
  • magnificent issues altogether, you just gained a emblem new reader. What may you recommend about your publish that you made some days ago? Any certain?

    Reply
  • An outstanding share! I’ve just forwarded this onto a friend who
    was conducting a little homework on this.
    And he in fact ordered me lunch simply because I discovered it for him…
    lol. So allow me to reword this…. Thank YOU for the meal!!
    But yeah, thanx for spending the time to discuss this issue here on your site.

    Reply
  • Hi there, I discovered your web site by means of Google
    while searching for a similar topic, your website came up,
    it looks good. I have bookmarked it in my
    google bookmarks.
    Hello there, simply turned into alert to your
    blog thru Google, and located that it is truly informative.

    I am gonna be careful for brussels. I’ll be grateful for those who continue this in future.
    Many people will likely be benefited from your
    writing. Cheers!

    Reply
  • I believe that is among the such a lot important info for me.
    And i am happy reading your article. But want to remark on few basic issues, The website taste is ideal, the articles is really great :
    D. Good job, cheers

    Reply
  • Right here is the right site for anyone who hopes to find out
    about this topic. You realize a whole lot its almost hard
    to argue with you (not that I really will need to…HaHa).
    You definitely put a fresh spin on a topic that’s
    been written about for years. Excellent stuff,
    just wonderful!

    Reply
  • I think what you composed made a lot of sense. But, think on this, suppose you were to write a killer post title?
    I mean, I don’t want to tell you how to run your
    website, however what if you added a headline that makes people desire
    more? I mean Tops at TD – South Florida Business And WealthSouth Florida Business And Wealth is kinda plain. You ought to
    glance at Yahoo’s home page and see how they create article titles
    to get viewers interested. You might add a video or a picture or two to grab people excited about what you’ve written. In my opinion, it might bring your posts a little livelier.

    Reply
  • I wanted to thank you for this excellent read!!
    I definitely enjoyed every little bit of it. I’ve got you book marked to check out new things you post…

    Reply
  • Thank you, I’ve just been searching for information about this topic for a long time and yours is the best I have found out so far.
    However, what about the conclusion? Are you sure about the supply?

    Reply
  • Greetings from Los angeles! I’m bored at work so I decided to browse your
    site on my iphone during lunch break. I enjoy the information you provide here and
    can’t wait to take a look when I get home. I’m shocked at
    how fast your blog loaded on my mobile .. I’m not even using WIFI,
    just 3G .. Anyways, fantastic site!

    Reply
  • What’s up to every one, the contents existing at this
    web page are genuinely amazing for people knowledge, well, keep up the good work fellows.

    Reply
  • You’re so interesting! I do not think I have read through anything like this before.
    So wonderful to find somebody with original thoughts on this subject
    matter. Seriously.. thanks for starting this up. This website is
    something that is needed on the web, someone with a bit of originality!

    Reply
  • Hello there! I know this is somewhat off topic
    but I was wondering if you knew where I could get a captcha plugin for my comment form?
    I’m using the same blog platform as yours and I’m
    having problems finding one? Thanks a lot!

    Reply
  • I am not sure where you are getting your info,
    but great topic. I needs to spend some time learning much
    more or understanding more. Thanks for great info I was looking for
    this information for my mission.

    Reply
  • I like the helpful info you provide on your articles. I will bookmark your blog and
    test once more right here regularly. I’m relatively certain I will be
    told lots of new stuff proper right here! Best of luck for
    the following!

    Reply
  • I am not sure where you’re getting your information, but great topic.
    I needs to spend some time learning more or understanding more.
    Thanks for wonderful information I was looking for this information for my mission.

    Reply
  • It’s in reality a great and useful piece of information. I’m satisfied that you just shared this helpful
    info with us. Please stay us up to date like this.
    Thank you for sharing.

    Reply
  • Excellent goods from you, man. I’ve be mindful your stuff
    previous to and you are simply too wonderful. I really like what you have bought right here, certainly like what you are stating and the best way
    through which you are saying it. You are making it entertaining and you still
    take care of to stay it wise. I can’t wait to read far more from
    you. That is actually a terrific web site.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *