Manager, Group Risk (ATH 4269)

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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.

Job Description:

Job Description

Segment Risk Specialist TD Insurance - Conduct Insider & Fraud Risk Management

The TDI Risk Specialist will partner with 2A Segments team 2A TDRM enterprise and the First line of defense to oversee and challenge the execution of risk management activities and leading practices/technologies used to keep up with the constantly evolving conduct insider and fraud threat landscape.

The Group Risk Specialist for Conduct Insider and External Fraud Risk management provides a comprehensive and diverse range of risk management expertise to business segments and corporate functions. This job is highly specialized requiring deep understanding of the conduct insider and external fraud risks as well as TDs businesses they support.

As risk managers we identify assess measure monitor and report on conduct insider and external fraud risks through all aspects of the ERM and ORM programs and processes with a specific focus or lens for conduct insider and external fraud in this job family may also test monitor and assess operational/enterprise/regulatory risk items and developments throughout TDs footprint and escalate and communicate material issues to internal stakeholders senior management and Board Committees and deal with regulatory requests and submissions on behalf of the Bank.

This role may engage and influence senior stakeholders through clear communication and compelling data narratives and present regular conduct insider and external fraud risk updates to designated stakeholders on KRIs breaches material changes and emerging external threats.

Technical knowledge is needed related to conduct insider and external fraud threats risks and controls and experience in the Banking industry (across the customer lifecycle from account opening financial and non financial transactions conduct insider and external fraud controls and case managers and suspicious activity reporting). The role monitors emerging fraud and scam typologies challenges the first line on control design and execution and provides subject matter expertise to ensure TDs conduct insider and external fraud oversight framework is aligned with regulatory expectations industry practices and the Banks risk appetite.

Reporting to the 2A ORM Segment this role will have the following accountabilities:

• Specialist providing advisory services to executives business segment leaders and governs requirements for own work.
• Integrates knowledge of the enterprise functions or business segments strategy in leading program design policy formulation or operating standards.
• Anticipates emerging business trends and regulatory/risk issues to recommend large-scale products technical functional or operations improvements.
• Serves as a source of expert advice to senior management; may lead teams of related specialists/experts.
• Advises on execution strategy and leads development/deployment of functional programs or initiatives within own field or across multiple specialties.
• Solves unique and ambiguous problems with broad impact.
• Execute 2nd line challenge activities required to support the ORM Framework includingbut not limited to:
  • Risk Assessments: Conducts and provides effective challenge on comprehensive end-to-end risk assessments to ensure the accuracy and completeness of risk identification measurement and mitigation strategies.
  • Monitoring and Escalation: Monitors key risk appetite measures for fraud insider and conduct risks escalating any breaches to senior management and relevant committees in a timely manner.
  • Control Identification: Proactively identifies control gaps documents them and issues findings in accordance with the banks issue management framework to ensure that control weaknesses are remediated effectively.
  • Policy and Framework Knowledge: Maintains a deep understanding of the banks policies and frameworks related to external fraud insider risk and conduct risk to provide robust oversight and guidance.
  • Training and Awareness: Develops and delivers basic training to front-line employees to enhance their understanding of fraud insider and conduct risks promoting a strong risk culture and ensuring compliance with established policies and procedures.

• Effectively communicate risk management practices and methodologies and results of risk assessments to Executive and senior management in a supportive and collaborative manner and influence risk-based remediation.
• Be a positive team player to consistently maintain high levels of integrity motivation and morale.

Job Requirements

• Bachelors degree from a recognized university or equivalent experience.
• At least 10 years of relevant experience within the Financial Services industry 1st / 2nd line Control Function Internal Audit field.
• Experience in 2nd line ORM will be an asset
• Experience in operating in and engaging with technical SMEs across conduct insider & fraud risk management.
• An understanding of regulatory and Controls requirements: B-13 E-21 PCI FFIEC SOX HIPAA TDC additional Frameworks.
• Ability to work in ambiguity must be flexible to deal with changes in a fast paced and new environment working closely with peers where subject matter expertise is required.
• Organizationally astute with superior influencing collaboration and communication skills.
• Experience assessing risk and challenging the status quo and break silos.
• Strong analytical skills including segment risk analysis data analysis and comparative analysis.
• In order to provide effective oversight and independent challenge the role requires the candidate to have a good understanding of the following areas:
  • Risk management frameworks and methodologies;
  • Conduct insider & fraud frameworks operations processes controls and tools;
  • Fraud operations and processes and;
  • Regulatory requirements.

Additional Information

Education & Accreditation

• This role requires successful completion of all three levels of TD Operational Risk Management certification. Certification is not a requirement to apply for this role. The successful candidate will have 12 months from the start date in the role to complete required certifications. The required courses are available internally through TD Operational Risk Management.
• Undergraduate degree in Computer Science/Computer Engineering/Risk Management is an asset.
• Accreditation such as Association of External Fraud Examiners (ACEFE) certifications and/or similar is preferred.
  

Inclusiveness

At TD we are committed to fostering an inclusive accessible environment where all employees and customers feel valued respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials or accessible meeting rooms or other accommodation) please let us know and we will work with you to meet your needs.

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 a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

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
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):