Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Risk Management

Pay Details:

$91,200 - $136,800 CAD

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 candidate's 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:

Depth & Scope:

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required.As a member of the Bank’s second line of defense, this executive is responsible for the strategic direction, governance and oversight of fraud analytics programs in the US. Perform and oversee risk reviews and credible challenge of the adequacy and effectiveness of fraud models, tooling, rules, and strategies.Oversees and challenges external fraud and insider threat detection capabilities with also understanding IT, cybersecurity, and HR teams.Partnership with model risk management.Ensures adequacy, effectiveness, and alignment with risk appetite. Champion the use of machine learning, advanced statistics, and data science techniques to optimize the trade-offs between fraud detection, customer experience, and operational efficiency.Provide strategic challenge of fraud prevention and detection strategies across the customer lifecycle, including onboarding/acquisition, authentication, and transaction monitoring.Engage with and influence senior stakeholders through clear communication and compelling data-driven narratives.Demonstrate strong knowledge and oversight of both proprietary (homegrown) and vendor fraud tools and solutions.Responsible for building a team of fraud analytics professionals and developing them to deliver high-impact results across TD’s businesses.On a regular basis, or as needed, report updates on to designated risk committees.

Education & Experience:

Bachelor’s degree requiredMaster’s degree or other advanced certifications in analytics, data science, statistics, or a related field is a strong asset10+ years of experience in analytics or data science within fraud and risk management, preferably in a financial services environment.Deep understanding of analytical tools, techniques, and models used for fraud risk mitigation across the full customer lifecycle for both payment and lending products.Professional experience across banking segments, including consumer, commercial, and brokerage.Strong leadership skills with the ability to work independently and effectively lead a high-performing team.Demonstrated ability to work collaboratively across diverse teams, geographic regions, and organizational levels.Exceptional communication and presentation skills to interact with and influence senior leaders and key stakeholders.Skillful communicator and influencer to build and maintain strong relationships with both internal and external stakeholders, providing challenge and push back as needed and advancing decision making; effective collaborator with the ability to influence. Ability to communicate complex data related topics and transformational change drivers to the broader US organization, including Regulators.Thrive in an ambiguous and fast-paced environment, managing multiple deadlines and prioritiesAbility to deal with ambiguity effectively and can lead, facilitate and support through change.Effectively challenge business leaders while providing value added guidanceHighly motivated individual with a track record of successfully developing and implementing large scale programs with superior results, while managing effectively in a highly matrixed environment.Strategic mindset with the ability to execute tacticallyHigh integrity, sound judgement, discretion and a strong sense of accountability; ability to handle confidential matters with professionalism.Effective presentation skills, including the ability to present to regulators, executive management, and senior executive tables. Experience in the effective execution of change management strategies and processes in a complex, multi-faceted businessPossess and operate with a strong Control/Risk Management mindset

Who We Are:

TD is one of the world's 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 95,000 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 you’ve 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, we’re 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:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re 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 you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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 we’re committed to helping you identify opportunities that support your goals.
 

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

Interview Process 
We’ll 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 you’d 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):

Sans Objet