Work Location:

Wilmington, Delaware, United States of America

Hours:

40

Pay Details:

$110,760 - $178,880 USD

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.

Line of Business:

Financial Crimes & Fraud Mgmt

Job Description:

The Senior Manager, Fraud Performance Management leads a team of highly-skilled managers and strategists in the development of Fraud strategies for their respective business portfolio. The team develops and monitors rule strategies in order to manage and mitigate Fraud for their respective partner, while balancing the impact to Customers and our operation teams (e.g. Loss Prevention Call Center). The Senior Manager Fraud Performance Management is responsible for reporting on overall Fraud losses and trends in addition to detailed reporting to monitor rule strategy performance. The Senior Manager Fraud Performance Management also reconciles and condenses/summarizes numerous metrics for our Executives and partners.

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

Fraud Losses Management

Oversees the review of fraud attacks to drive actionsParticipates in quarterly and annual fraud loss forecasting exercisesDrives business strategy to deliver fraud loss planOversees the management of shifting network rules and liability requirementsDrives change to uncover and resolve process gaps throughout the BankEscalates and drives immediate action to address evolving risk vectors

Fraud Rule Management

Oversees the management of strategy design and configuration in all fraud prevention platforms (e.g. Falcon, TSYS, FIS, SQN, PRM, Citadel, DPS, VCAS, Avant, Experian and TransUnion)Ensures change socialization and adherence to Change Management protocols

Fraud Operational Support

Acts as a key contributor in operational forecasting and capacity planningDevelops fraud case prioritization strategy to optimize return-on-investmentManages strategic intent for Operational & Contact processes

Design/Update Monitoring & Reporting

Supports the prioritization and delivery of key reporting needs required to manage fraud lossesEnsures existing monitoring is refreshed when data or requirements change

Partner Support – TD partners outside of FC&FMG

Supports project intent and ongoing partner projects; provides risk identification and cost estimatesLeverages fraud expertise to help define fraud resilient products and processesProvides post-launch IT validation and issue managementEnsures Fraud policy alignment and implementationProvides monthly partner loss performance updates and participates in review sessions

Support FC&FMG Intent

Outlines data needs for rule-writing and effective managementDrives technology investments that move the business forwardManages model prioritization, business validation and implementationSupports audit and regulatory requests (data or intent)

Manage External Relationships

Provides TD perspective at various industry forums (CBA, MC, Visa, Interac, Auriemma, Clearing House)Manages day-to-day vendor management for various Fraud vendors (e.g. Equifax, ACI, FICO, Fiserv, FIS, TMS)

Education & Experience:

Bachelor's Degree in a related discipline (e.g. Math, Statistics, Business) requiredMaster's Degree in a related discipline is preferred10+ years relevant experienceKnowledge of systems and processes is preferredExperience with SQL/SAS/Data manipulation tools requiredPrevious experience with related fraud is preferredPeople management experience requiredStrong leadership and general management skills in overseeing a team and working collaboratively across functionsA high level of integrity with the ability to earn the respect and trust of his/her peer group and employeesAbility to communicate strategy analyses to both technical and non-technical team members, either verbally or via documentationConceptual thinker, ability to wade through data and arrive at conclusionsDemonstrated analytical, financial modeling and problem-solving skillsSolid understanding of Retail Products and ChannelsStrong interpersonal skills; comfortable interacting with team members of all levelsStrong communication and presentation skills; ability to communicate complex analyses into technical and non-technical terms (written and verbally)Ability to take initiative and work independently under tight timelinesStrong team collaboration skillsAbility to effectively manage multiple projects and priorities simultaneouslyAbility to reconcile numerous metrics and condense/summarize for our Executives and Business Partners

Preferred Qualifications:

Fraud strategy experienceExperience engaging with multiple Business PartnersAnalytical experience required for providing direction to Sr Managers and analystsIdentify Theft and account takeover experience

Customer Accountabilities:

Understands and supports the Bank's Customer Service StrategyConsiders the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholdersProvides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunityLeads, coaches and models quality service delivery at every interactionSupports the ongoing improvement of the partner/Customer experience

Shareholder Accountabilities:

Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service and products aligned with Best Run concepts and overall enterprise strategy and objectivesParticipates in establishing and executing plans and goals for the Business to drive toward resultsDevelops and maintains an operating budget, ensuring adherence to budget. May delegate budgetary assignments to direct reports, but maintains overall budgetary responsibility and oversightProvides financial reports and analyses, including budget variances, to management on a regular basis

Employee/Team Accountabilities:

Sets appropriate context for the business unit/function to enable optimal performance and alignment to strategySupports the creation of goals and objectives for the business unit/function; Communicates those goals and objectives to the teamBuilds capability – Supports/executes plans to acquire, develop and retain the diverse teams with the skills and experience necessary to realize on current and future business strategiesRole models behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control cultureCreates an extraordinary place to work – Advances and sustains a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experienceLeads, coaches and develops a highly-effective team by ensuring ongoing training and performance and development management

Physical Requirements:

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

Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, 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 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 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:
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.

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

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 USWAPTDO@td.com.  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.