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 strategic direction, governance and oversight of fraud analytics programs in the USPerforms and oversees risk reviews and credible challenge of the adequacy and effectiveness of fraud models, tooling, rules, and strategiesOversees and challenges external fraud and insider threat detection capabilities with also understanding IT, cybersecurity, and HR teamsPartners with model risk managementEnsures adequacy, effectiveness, and alignment with risk appetiteChampions the use of machine learning, advanced statistics, and data science techniques to optimize the trade-offs between fraud detection, customer experience, and operational efficiencyProvides strategic challenge of fraud prevention and detection strategies across the customer lifecycle, including onboarding/acquisition, authentication, and transaction monitoringEngages with and influence senior stakeholders through clear communication and compelling data-driven narrativesDemonstrates strong knowledge and oversight of both proprietary (homegrown) and vendor fraud tools and solutionsResponsible for building a team of fraud analytics professionals and developing them to deliver high-impact results across TD’s businessesOn a regular basis, or as needed, reports 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 asset15+ years of experience in analytics or data science within fraud and risk management, preferably in a financial services environmentDeep understanding of analytical tools, techniques, and models used for fraud risk mitigation across the full customer lifecycle for both payment and lending productsProfessional experience across banking segments, including consumer, commercial, and brokerageStrong leadership skills with the ability to work independently and effectively lead a high-performing teamDemonstrated ability to work collaboratively across diverse teams, geographic regions, and organizational levelsExceptional communication and presentation skills to interact with and influence senior leaders and key stakeholdersSkillful 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 influenceAbility to communicate complex data related topics and transformational change drivers to the broader US organization, including RegulatorsThrive in an ambiguous and fast-paced environment, managing multiple deadlines and prioritiesAbility to deal with ambiguity effectively and can lead, facilitate and support through changeEffectively 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 environmentStrategic mindset with the ability to execute tacticallyHigh integrity, sound judgement, discretion and a strong sense of accountability; ability to handle confidential matters with professionalismEffective presentation skills, including the ability to present to regulators, executive management, and senior executive tablesExperience 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

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.