Risk Officer II

Work Location:

Hours:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

As a candidate you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Job Description:

The Risk Officer II develops and recommends appropriate credit risk standards related to credit card portfolios and other credit related activities. In conjunction with senior management and typically a firm-wide Credit Committee Credit Card Risk Officer formulates and/or manages the firms portfolio risk management policies including but not limited to: acquisitions line assignment and existing account management. The job staffs monitors existing and potential credit exposure and implements measures to attain portfolio risk goals. The Risk Officer II analyzes and evaluates credit risks resulting from underlying demographics of portfolio (geographic demographic income and other macro-economic variables). This job recommends and implements credit enhancement on an as-needed basis either directly or in conjunction with Risk Analytics/Modeling may be responsible for development and evaluation of credit risk management models. This job also provides a broad range of risk analysis reporting and/or support to business partners and acts as a specialist/expert in providing guidance/advice on a range of risk related matters within assigned or own area of specialization.

Schedule: Standard Business Hours EST

This is a hybrid position which requires working in office 2 times per week at the below location:

• 1313 North Market Street Wilmington DE

Depth & Scope:

• Performs functions noted for Credit Card Risk Officer I
• Supports and assists in the development of credit risk projects/initiatives; pulls performance and demographic data performs detailed analysis and assists in preparation of appropriate documentation/recommendation
• May lead a small team or operate in a lead capacity managing risk activities such as KRI CSI RCSA and Action Plan reporting on behalf of a key business or functional area
• May be involved on risk related committees and/or related working groups as a Subject Matter Expert (SME) and plays a lead role in research / analysis and /or integrating / implementing key risk management practices
• Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non standard and ad-hoc requests as determined by management
• Ensures the timely communication of issues that are relevant to the team and encourage a good working relationship with other internal and external groups

Education & Experience:

• Bachelors degree
• 3-5 Years of related experience
• Proficient PC skills including a strong competency in MS Excel and PowerPoint and a variety of PC-based analytical and reporting software packages
• Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
• Working knowledge of SAS Enterprise Miner FICO Model Builder or Angoss Knowledge Seeker
• Strong analytical and problem solving skills are required to interpret data and draw conclusions
• Experience in data modeling and risk management either from a business administration statistical mathematical scientific or financial background
• Excellent written and verbal communication skills

Preferred Qualifications:

• Experience with SAS SQL Python R MATLAB & Tableau
• Exceptional quantitative and analytical skills with ability to identify patterns trends and insights; Conduct risk/reward trade-off analysis.
• MS Office
• Detail oriented
• Excellent time management and organizational skills

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Occasional
• Bending Occasional
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading writing and comprehending instructions Continuous
• Adding subtracting multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g. eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and several other key plans such as health and well-being benefits savings and retirement programs paid time off (including Vacation PTO Flex PTO and Holiday PTO) banking benefits and discounts career development and reward and recognition. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.