Work Location:

Hours:

Line of Business:

Pay Details:

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.

Job Description:

TD Merchant Solutions (TDMS) provides reliable, flexible, and easy to use card payment solutions to TD Securities, Corporate, Commercial, NREG and Small Business Banking clients. A wide selection of products including Point of Sale (POS) terminals, PC Software and E-Commerce that allow businesses to authorize and settle their credit or debit card payment transactions electronically.

This Credit Group supports the TDMS business by adjudicating new merchant applications, completing periodic annual and interim review, developing automation strategies, and maintaining policies, processes & procedures.

Reporting to the Credit Manager, Risk Monitoring & Reporting the role is accountable for re-adjudicating existing merchant accounts that alert on monitoring reports as well as ad-hoc analysis to support compliance with Payment Card Networks ('PCN') and enterprise regulations.

Key Accountabilities:

• Ensure timely re-adjudication of merchant accounts alerting on monitoring reports. Reviews to be completed in accordance with the assigned discretionary limits and applicable credit policies.
• Use sound credit judgment to assess, analyze and present well-written, logical Merchant Risk Reviews under various monitoring programs. This involves identifying key merchant risks and contingent exposure and may involve financial statement analysis.
• Collaborate with Fraud Operations team to ensure reviews under the interaction model are completed in a timely manner and any concerns are promptly escalated.
• Identify operational issues and proactively recommend improvements and solutions to resolve issues.
• Provide statistical data and other reports to the Credit Manager and assist with the completion of the monthly reports within the required timeframes.
• Complete any ad-hoc analysis requests efficiently to ensure PCN and other regulatory compliance requirements are met and escalate any concerns to management.
• Engage in direct customer calls to obtain additional information or to communicate Credit team decisions.

Job Requirements:

• Previous experience in adjudication / credit underwriting
• A solid knowledge of KYC and due diligence requirements
• Strong risk assessment skills and outside-the-box thinking to identify and understand all potential risks
• Strong verbal and written communication skills
• Solid analytical skills and business intelligence
• Strong interpersonal skills as well as the ability to work independently
• Basic knowledge of financial statement analysis
• High proficiency in Excel and Word. Additional data query & visualization skills (SQL, Tableau etc.) would be an asset
• Previous industry experience or a detailed understanding of the payment processing dynamics would be an asset
• Previous Fraud experience would be an asset
• Undergraduate degree and/or 3-5 years relevant experience

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):