Work Location:

United States of America

Hours:

40

Pay Details:

$160,000 - $220,000 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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:

Risk Management

Job Description:

• As an executive member of the Bank’s second line of defence for fraud risk management, this position has both the accountability and the authority to challenge the work of the first line of defence in support of the Bank’s standards, policies, and risk appetite statement measures.
• Own, manage, and evolve the respective fraud risk framework, policy, and standards to set a consistent and appropriate bar across the Bank in how fraud risk is governed and managed.
• Meet regulatory and customer expectations.
• Maintain positive, transparent, and strong relationships with regulators.
• Develop and execute the second line's fraud risk management strategic objectives.
• Lead and execute the second line fraud risk management Road-to-Strong maturity roadmap to mature second line of defence capabilities.
• Drive strategic fraud risk management programs to achieve advances in governance and risk management.
• Effectively communicate an independent view of TD's fraud risk profile to senior management.
• Oversee and monitor adherence to fraud risk policies.
• Collaborate with stakeholders to find solutions; challenge the status quo.
• Drive effective and efficient end-to-end control environment.
• Balance 'risk enablement' and 'challenge'.
• Be proactive in escalating issues.
• Leverage the Issues Management Framework to identify issues proactively and escalate promptly.
• Be transparent and give the full story – the positive and the negative.
• Challenge solutions to remediations to ensure sustainability.
• Understand and address root causes
• Deliver a 'better' colleague and customer experience and have an inclusive mindset that promotes diversity.
• Promote purposeful colleague development including domain expertise.
• Promote self-education and maintain external perspective.
• Provide people management leadership by hiring the best talent, setting goals, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required.
• Special Projects: Other duties as assigned.

Job Requirements:

• Undergraduate degree.
• Risk Professional with 15+ years of experience.
• Fraud Risk domain experience. 
• Second of line of defence experience (oversight and challenge).
• Excellent written and verbal communication skills including a demonstrated ability to clearly provide written reports that accurately and clearly summarize issues and present solutions in an understandable and logical manner.
• Proven ability to influence others, actions, and decisions without express authority.
• Demonstrated ability to develop and maintain strong internal and external business relationships.
• Aptitude for distilling and communicating complex regulatory requirements.
• Strong experience in monitoring and assessing complex regulation, legislative history, and supervisory guidance.
• Proven experience managing regulatory interactions.
• Strong critical thinking skills and the ability to identify themes, emerging trends.
• Proven people management experience.
• Strong partner relationship management.
• Effective conflict resolution experience.
• Excellent time management.

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

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

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.