Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Financial Crimes & Fraud Mgmt

Pay Details:

$145,000 - $200,000 CAD

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:

This mandate will play a critical role within the TD's Canadian Fraud Management (CFM) business and our continuing evolution related to the overall fraud strategy. Reporting to the Vice President, Canadian Fraud Management Group, the AVP, Canadian Performance Management, CFM build and deliver against the following:

? Lead diverse teams of highly skilled and knowledgeable professionals (technical, analytical and fraud savvy in nature) in managing the current and forward looking prevention, detection and mitigation of fraud through the development of strategies, rules and tactics to provide critical support and risk mitigation to multiple lines of business (products and channels).

? operate in constant a changing and fast paced environment as threats evolve and effectively balance the impacts to the customer and colleague experience (Fraud Operations frontline detection and claims agents, NACC and Retail) as solutions are designed to combat attacks and reduce risk.

? Lead the overall direction and development of fraud strategies for Canadian Personal and Business Banking products (CPB, CBB) including Credit Cards (TDCT & MBNA), Debit Cards, Cheque, Direct / Digital Channels (including EMT, Wires), Retail (PBDE), NACC and other partners

? End to end accountability for developing and determining the execution plan of fraud strategies in order to mitigate fraud loss while balancing the impact to customers and our operation teams

? Drive and align analytical modeling priorities AI2 to maximize the return on investing to the bank, our customers and colleagues

? Leverage deep subject matter expertise to develop and deploy a vision by providing creative thought leadership while also aligning with key partner priorities

? Develop and maintain productive relationships with key stakeholders, supporting Partner Integration as required especially at the SVP and VP partner levels, as well as other stakeholders both internal and external to the organization where relevant

? Develop repeatable and consistent processes for fraud intelligence gathering and participate in threat landscape and industry trend discussions and forums

? Establish an industry presence and build relationships with appropriate industry partners

? Attract, motivate and retain a highly diverse qualified and engaged team to fulfill current and future business needs

? Be a subject matter expert from an overall bank and fraud perspective to support bank projects / initiatives

? Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the bank

? Ensure that the execution of fraud strategies balance customer experience (including false positive ratios), fraud loss performance and operational cost and impact

? Utilize diagnostics to identify system, strategy and operational efficiencies

? Establish clear goals and metrics, assess and explain variances, seek opportunities and drive continuous improvement

? Expand detection capability for new and emerging fraud trends and vectors. Identify and escalate gaps in process, tools, analytics or technology hindering efficiency and/or effectiveness

? Convert insights into recommendations to drive initiatives, partnering with ED&A on the development of business cases and performing post implementation tracking to ensure that targets are attained

? Monitor customer, account and transactional trends to improve fraud detection while always considering the trade off with customer experience and P&L growth

? Design champion / challenger strategies that lead to ongoing learning and improvement

? Demonstrates an understanding of critical regulations and payment network rules that impact Gross and Net Fraud Losses, acting and talking ownership to optimize results within the frameworks

? Monitor and report on compliance with risk appetite and policies

? Provide thought leadership and oversight to the Fraud Claims transformation, leveraging technical skills to support automation efforts and deep analytical expertise to improve access to data and reporting with ED&A that is critical to ensuring TD optimizes the efficiency and effectiveness of this important operations function, both onshore and offshore (recovering millions of dollars annually)

KEY LEADERSHIP BEHAVIOURS:

? Set strategic direction and roadmap for Canadian Performance Management

? Identify and execute against continuous improvement opportunities

? Engage team members at all levels, inspire to deliver against the customer experience

? Build and nurture relationships across CFM

? Role model behaviors consistent with TD's leadership profile

? Promote a unique and inclusive performance based employee culture

? Committed to making "functionalized" operating model work

? Take risks that are understood and can be managed

? Support speed, simplicity, agility in decision making and action

? Exceptional People Management experience

? Think strategically, facilitate discussions and communicate to all levels including leadership are key to success.

? Build trust with colleagues and business partners by demonstrating personal consistency in communications and actions

QUALIFICATIONS / SKILLS / EXPERIENCES:

? Undergraduate or Post Graduate degree in Business/Commerce or Business Administration

? Strong business acumen and analytical capabilities – ability to consolidate information into clear, concise analysis in support of business decisions

? Strong financial management skills and fluency with the financial aspects of business operations

? Forward thinking and strategic thinking capabilities in order to support the business in developing and executing on strategy

? Independent thought leadership and the ability to understand and navigate the complexities & implications of executing strategy

? Proven ability in developing and deploying a vision and impact/influence others to align to that vision. Be known for providing creative thought leadership while also listening and engaging others to provide input in shaping that vision

? Effective at managing multiple priorities and tasks at the same time

? Experience leading large scale and complex projects an asset

? Ability to influence at senior executive levels and motivate others, including those who do not have a direct reporting relationship

? Excellent customer service orientation and a professional approach; including ability to interact with all levels across the organization

? Strong communicator, with excellent oral, written and presentation skills

? Organizational awareness & the ability to balance the viewpoints of various stakeholders

? Good working knowledge of Personal Bank, Business Bank and Enterprise Shared Services businesses.

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):

Sans Objet