Group Risk Specialist (US) Fraud and Insider Risk Management

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$91,000.00 - $136,240.00 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:

Risk Management Job Description:

The 2nd Line of Defense Fraud, Insider and Conduct Risk Management team is responsible for overseeing specialty and functional risk across TD’s business segments and corporate functions, inclusive of operational risk processes (identify, assess, measure, monitor and report). Jurisdictional coverage is across the Enterprise, including Canada and the US.

We are seeking a highly skilled risk professional with deep expertise in fraud and insider risk management. This individual will provide independent oversight and challenge, serve as a trusted advisor to businesses, risk and executive stakeholders, and evaluate significant initiatives— including change assessments, risk acceptances, and control gaps— through a fraud and insider risk lens. A key responsibility will be to review and challenge initiative assessments to validate risks are appropriately identified, assessed, mitigated and communicated. The successful candidate will be comfortable challenging senior leaders, be able to clearly articulate risks, and provide concise actionable recommendations supported by policy and industry best practices.

This is an individual contributor role.

Depth & Scope:

• •Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas
• •Integrates knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operations
• •Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
• •Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialists
• •Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
• •Independently manages end-to-end functional programs
• •Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
• •Uses sophisticated analytical thought to exercise judgement and identify solutions
• •Impacts the achievement of sub-function or business line objectives within the area they are accountable for
• •Work is guided by policies and industry standards/methods
• •Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
• •Works autonomously as the lead and guides others within area of expertise

Education & Experience:

• •Undergraduate degree or technical certificate and/or
• •7+ years relevant experience
• •Advanced knowledge of risk management governance, programs, policies, practices, operating frameworks & reporting for business supported and/or area of discipline
• •Knowledge of risk management environment, standards, regulations and mitigation
• •Knowledge of current and emerging competitor and market trends
• •Ability to establish goals and objectives which support the strategic plan
• •Ability to lead, plan, implement, and evaluate program/project activities to ensure completion of initiatives
• •Skill in mentoring and coaching
• •Advanced skill in using analytical software tools, data analysis methods and reporting techniques
• •Skill in using computer applications including MS Office
• •Ability to communicate effectively in both oral and written form
• •Ability to work collaboratively and build relationships across teams and functions
• •Ability to work successfully as a member of a team and independently
• •Ability to exercise sound judgement in making decisions
• •Ability to analyze, organize and prioritize work while meeting multiple deadlines
• •Ability to handle confidential information with discretion

Preferred Qualifications:

• •Subject matter expertise in fraud risk, insider risk, operational risk, change risk, and/or emerging risk
• •Certified Fraud Examiner (CFE)
• •Demonstrated experience providing independent challenge and oversight within a second line of defense environment
• •Exceptional written and verbal communication skills with the ability to distill complex topics into concise executive-ready materials.
• •Proven ability to prepare high-quality committee materials, executive summaries, risk opinions and decision-support documents requiring minimal revisions.
• •Experience presenting risk perspectives and recommendations to senior executives, governance committees and risk forums.

Customer Accountabilities:

• •Leads the development and/or implementation of specific standards, policies and/or processes that identify, report on and mitigate operational (or all major) risk exposures within the business
• •Proactively analyzes potential risks and ensures escalation of key risks to appropriate areas and/or executive review with business executive findings and action plans to mitigate and manage these risks
• •Establishes and provides on-going analysis and reporting on operational risk and/or other major risk categories as applicable to own business or functional area, and reviews findings and action plans with business leaders to mitigate and manage key issues
• •Coordinates and/or guides activities relating to core operational risk disciplines/programs including, Risk & Control Self-Assessment, Business Continuity Management, Outsourcing & Vendor Management, Regulatory Compliance (e.g. CDIC, AML, Privacy, IDA, CBA, SOX, Basel etc.)
• •Supports enterprise-wide operational risk escalation, review and approval processes, data management, policies and risk assessment processes
• •Directs the development and monitoring of Key Risk Indicators and facilitate communication and resolution of risk issues among other business segments where applicable
• •May be accountable for managing ancillary operational risk areas (e.g. BCM/incident management, outsourcing/vendor management, fraud aggregation and assessment, Basel implementation/capital analysis, change management, Privacy, AML, LCM and other regulatory issues), in addition to core functions
• •May be responsible for providing support for other major risk areas (e.g. Market, Credit, Reputational and/or Regulatory risks etc.)
• •May be a point of contact for guidance in the monitoring/reporting of compliance, management, and strategic initiatives
• •Provides broad/deep commentary in support of the development/maintenance/oversight of policies/procedures/practices, as required

Shareholder Accountabilities:

• •Adheres to enterprise frameworks or methodologies that relate to activities for our business area
• •Ensures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities
• •Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• •Ensures business operations are in compliance with applicable internal and external requirements ( e.g. financial controls, segregation of duties, transaction approvals and phy