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Sophie Tremblay-Dupont — Senior Director, Treasury & Payments Solutions at RBC Express

Sophie Tremblay-Dupont is Senior Director, Treasury & Payments Solutions within the Royal Bank of Canada Commercial Banking Group, based in Toronto with bilingual English and French coverage of RBC Express clients. Her remit spans treasury advisory, cross-border payments, forward FX programmes and Quebec/francophone commercial relationships — the mandates where RBC Express meets complex corporate treasury.

Sophie holds the Certified Treasury Professional (CTP) designation from the Association for Financial Professionals, is a CFA Charterholder, and earned an MBA in Finance from Ivey Business School (Western University, 2011) and a Bachelor of Commerce from HEC Montreal (2007). Sixteen years in Canadian commercial banking inform her RBC Express advisory practice.

Professional Bio

A sixteen-year Canadian commercial banking career from Montreal and Toronto.

Sophie Tremblay-Dupont began her career as a Treasury Analyst at CIBC Corporate Banking in Montreal from 2007 to 2011, supporting mid-market cash management mandates across Quebec and Eastern Canada. She moved to TD Commercial Banking in Toronto in 2011 as Senior Manager, Treasury Solutions, where she led a portfolio of cross-border payment clients through several years of Payments Canada rail modernisation. Since 2015 Sophie has been with the Royal Bank of Canada Commercial Banking Group, advancing through Director to her current Senior Director, Treasury & Payments Solutions role supporting RBC Express clients across Canada. Her advisory practice concentrates on multi-entity cash concentration, forward FX programmes, Quebec francophone commercial banking and integrations between RBC Express and major treasury management systems.

Areas of Expertise

The specific treasury and payments disciplines Sophie covers for RBC Express clients.

Treasury Management

Zero-balance account structures, multi-entity cash concentration, overnight sweep arrangements, positive pay for cheque fraud prevention and BAI2/MT940 integration with Kyriba, ION and SAP TRM through RBC Express.

Cross-Border Payments

SWIFT wire origination, Payments Canada Lynx high-value settlement, cross-border EFT to the United States and the Caribbean, and payment centralisation models for multinationals using RBC Express.

FX Hedging

Forward FX programmes, rate-locking windows, layered hedging strategies for CAD-USD, CAD-EUR and CAD-GBP exposures, and coordination with RBC Capital Markets dealing desks where size demands institutional pricing inside RBC Express.

Quebec / Francophone Commercial Relationships

French-language advisory, regulatory context for Quebec-based RBC Express clients, coordination with Montreal Account Managers and delivery of documentation and training in French for francophone treasury teams.

Career History

Sixteen years across three Canadian Schedule I banks.

RoleInstitutionYearsFocus
Senior Director, Treasury & Payments SolutionsRoyal Bank of Canada — Commercial Banking Group2015–presentRBC Express treasury advisory, cross-border payments, FX programmes
Senior Manager, Treasury SolutionsTD Commercial Banking2011–2015Cross-border payments, Payments Canada rail modernisation
Treasury AnalystCIBC Corporate Banking2007–2011Mid-market cash management in Quebec and Eastern Canada
MBA, FinanceIvey Business School, Western UniversityGraduated 2011Corporate finance, risk management, strategy

Published Insights and Speaking

Thought-leadership output (titles only) and recent conference appearances relevant to RBC Express clients.

Expert Credentials

  • Certified Treasury Professional (CTP) — Association for Financial Professionals.
  • CFA Charterholder — CFA Institute.
  • MBA, Finance — Ivey Business School, Western University, 2011.
  • Bachelor of Commerce — HEC Montreal, 2007.
  • Sixteen years in Canadian commercial banking across RBC, TD and CIBC with RBC Express responsibility since 2015.

Selected Published Insights

Titles only; no external links.

  • "Centralising Cash Across Three Canadian Legal Entities: A Practical Playbook"
  • "Why Forward FX Outperforms Spot for Canadian Importers"
  • "RBC Express and TMS Integration: Lessons from Kyriba Deployments"
  • "Quebec Commercial Banking in a Bilingual Treasury Function"
  • "Payments Canada Lynx: What Changed for Canadian Wires After the LVTS Sunset"

Speaking Engagements

  • AFP Annual Conference 2023 — panel on cross-border treasury centralisation
  • Treasury Management International Canada 2024 — keynote on Canadian payment rails
  • Payments Canada SUMMIT 2024 — workshop on real-time payments readiness

Analyst Bio: Frequently Asked

Which credentials matter most for treasury advisory inside RBC Express?
The Certified Treasury Professional (CTP) from the Association for Financial Professionals is the recognised global credential and frames most day-to-day advisory inside RBC Express. The CFA Charter deepens investment analysis and risk frameworks for FX and short-term investment work. An MBA and an undergraduate business degree round out the academic foundation.
How can a RBC Express client engage Sophie Tremblay-Dupont?
Engagement routes through the client's RBC Account Manager, who opens an internal referral to Treasury & Payments Solutions. Discovery calls typically schedule within five business days. Direct contact details are not published — this is a relationship-routed engagement model by design inside RBC Express.
What is Sophie Tremblay-Dupont's primary specialty within RBC Express?
The overlap between treasury management and cross-border payments for mid-market and corporate RBC Express clients — ZBA structures, multi-entity concentration, multilateral netting, forward FX for CAD-USD-EUR-GBP and RBC Express integration with TMS platforms like Kyriba and ION.
Does Sophie Tremblay-Dupont support francophone RBC Express clients directly?
Yes. Sophie is bilingual English/French, holds a BCom from HEC Montreal and worked in Montreal early in her career. Meetings, documentation and RBC Express walkthroughs can run in either language; Montreal-based Account Managers handle primary relationship duties for Quebec clients.
How large is the Treasury & Payments Solutions team supporting RBC Express?
Sophie leads a Treasury & Payments Solutions pod combining senior treasury consultants, product specialists, FX sales colleagues and implementation engineers. Headcount is not published externally; the pod is backed by the broader RBC Express product organisation and RBC Capital Markets dealing desks for structured FX.

Related RBC Express Resources

About RBC Express

Heritage, parent institution and platform milestones.

Contact Us

Route to an RBC Account Manager for introductions.

Treasury Management

ZBA, sweeps, positive pay and lockbox inside RBC Express.

Foreign Exchange

Real-time FX across 130+ currency pairs with rate-locking.

International Payments

SWIFT wires, cross-border EFT and correspondent network.

Help Centre

FAQ, guides and escalation for every RBC Express topic.

Commercial Banking Portal — Topic Cluster