Work Location:

New York, New York, United States of America

Hours:

40

Pay Details:

$200,000 - $280,000 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:

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 requiredResponsible for the accountability and the authority to challenge the work of the first line of defense in support of the Bank’s standards, policies, and Risk AppetiteThe external fraud risk oversight team is responsible for setting policies and standards for first party fraud, third party fraud, and scams, and overseeing, monitoring and credible challenge of fraud control design and execution across lines of businessOwns, manages and evolves the US Fraud Risk Framework, Policies & Standards related to external fraud (1st and 3rd party) to set a consistent and appropriate suite of controls for managing external fraud risk within risk appetite and in line with regulatory expectations, and in consideration of the customer experience and customer frictionOwns and drives external fraud risk governance and operational risk management programs and routines related to such external fraud riskReviews and challenges the effectiveness of risk mitigation strategies and control measures implemented by the 1st line of defenseBuilds and maintains effective relationships with business partners and control function partners, establishing credibility by understanding the business/control, their needs, strategic priorities and challengesPartners with key stakeholders to drive fraud risk management strategy in alignment with organizational and business objectives and risk appetiteSupports internal and external audits and regulatory examinations, as applicableReports and escalates risk issues, events and breaches to executive management and risk committeesPartners with senior management on the reporting and presentation of fraud risk, trends and key developments to the board, regulators and other key stakeholdersFosters a culture of fraud risk management awareness and accountability for fraud risk management, including identification, prevention, detection and response/reporting of external fraudPromotes and fosters a strong culture of integrity, ethics and regulatory compliance and provides independent oversight of the management of external fraud riskMaintains positive, honest, transparent and constructive relationships with regulators

Education & Experience:

4-year degree or equivalent experience; post graduate degree preferred15+ years related experience required with deep subject matter expertise in Fraud Risk Management and BankingExperienced professional with technical knowledge of fraud threats, risks and controls, and experience in the Banking industry (across the customer lifecycle from account opening, financial and non-financial transactions, fraud controls and case managers, and suspicious activity reporting)Ability to attract, inspire, coach, train and lead; bring out the best in team membersStrong knowledge of banking regulations and industry standards (e.g., OCC, FRB, FDIC)Excellent leadership, project management and stakeholder communication skillsStrategic mindset with the ability to execute tacticallyHigh integrity, sound judgement, discretion and a strong sense of accountability; ability to handle confidential matters with professionalismStrong attention to detail with the ability to recognize and react to discrepanciesStrong relationship building skills and the ability to develop and maintain relationships at all levels of management throughout the organizationExcellent written and verbal communications skills; ability to engage effectively with senior stakeholders and the ability to develop business communications calling for specific actionCommunicates complex data related topics and transformational change drivers to the broader US organization, including RegulatorsEffective presentation skills, including the ability to present to regulators, executive management, and senior executive tablesSkillful 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 influenceStrong ability to analyze information and business situations and effectively collaborate with business partners on overall corporate directionStrong analytical skills with the ability to synthesize information across disciplines and functionsAbility to deal with ambiguity and facilitates and supports changeHighly motivated with a track record of successfully developing and implementing large scale programs with superior results, while managing effectively in a highly matrixed environmentEffectively challenges business leaders while providing value added guidanceWorks with a pool of experts and ensures high levels of service even when the effort crosses organizational boundariesPossesses and operates with a strong Control/Risk Management mindsetThrives in an ambiguous and fast-paced environment, managing multiple deadlines and prioritiesWorks collaboratively with others as we innovate and simplify

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.