Risk Specialist

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $91,000 - $145,600 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 Operational Risk Officer III provides a broad range of operational risk analysis, reporting and/or support to business partners. Acts as a specialist/expert in providing guidance/advice on a range of operational risk related matters within assigned area of specialization. Department Overview TD Bank follows a Three Lines of Defense (LOD) Risk Framework: Risk Ownership (1LOD), Risk Oversight (2LOD), and Internal Audit (3LOD). The second line is independent of the business and provides policies, standards, and methodologies, with the authority to assess and challenge the first line to ensure adherence to those standards. The U.S. Operational Risk Management (ORM) Change Governance team is part of the 2LOD and responsible for establishing requirements, providing guidance, communicating governance requirements, and monitoring adherence to U.S. Change Governance and New Business and Product Approval (NBPA) Programs. The team supports governance, reporting, regulatory compliance, and oversight activities across the U.S. organization. The team interacts with business and risk stakeholders across the 1LOD and 2LOD to promote effective governance, regulatory compliance, risk transparency, and sustainable change implementation. Depth & Scope May lead a small team or operate in a lead capacity managing risk activities such as KRI, CSI, RCSA and actions plan reporting on behalf of a key business or functional area. Supports businesses and processes that are generally diverse and large scale in nature and/or fairly complex in terms of Customer activities and transactions. Analyzes potential operational risks and ensures key risks are aggregated/escalated to appropriate areas. Contributes to the effective management of financial results and budgeting activities. Supports ongoing operational risk measurement activities by acquiring, analyzing, and reporting business operational or relevant loss data. Establishes and provides regular risk analysis and reporting on operational loss performance of the business. Supports business with analysis and reporting on operational risk issues and their impact which may include scenario analysis. Supports established enterprise-wide risk escalation, review, and approval processes, data management, policies, and risk assessment processes. Develops and maintains knowledge of existing and emerging risks across the business, and represents the business/function on TD Bank Risk Officer Committees or related working group/project teams. Possesses an understanding of the regulatory landscape and requirements, ensuring they are identified and articulated to business management as applicable. Supports TD Bank enterprise-wide operational risk strategies and/or corporate risk management requirements by guiding business partners through various operational or related risk management activates (e.g. Key Risk Indicators (KRI), Risk & Control Self Assessments (RSCA), etc). Provides guidance, advice, and/or training and educational programs within own area of responsibility to improve business' understanding of related risk and emerging trends. Develops and fosters strong relationships with business unit management to improve communication of business-specific operational and/or related risk management issues. Participates in the review of scorecard results and/or capital allocation issues affecting overall risks and act as a key resource on risk issues for assigned businesses/specializations. Participates in regulatory reviews and/or completion of risk management surveys where applicable. Serves as subject matter expert (SME) role on risk matters for a key business area and provides guidance and/or advice to business management via risk related activities/processes. May be involved on risk related committees and/or related working groups as a SME and plays a lead role in research/analysis and/or integrating/implementing key risk management practices. Leads risk analysis and coordinates the collection, aggregation, and validation of potential losses/risk factors for assigned business area/unit. Additional Responsibilities Maintain U.S. Change Governance and NBPA Program policies, standards, methodologies, procedures, and supporting documents in compliance with regulatory requirements and internal requirements. Execute governance oversight activities to validate compliance with the U.S. Change Governance and NBPA Programs. Complete analysis of change data (e.g., risk assessments, reports, system extracts) to provide required reporting on Change and Delivery Risk Document and distribute clear and concise meeting minutes within 24 hours of the meeting. Create executive ready presentations. Support committee secretary responsibilities (e.g., develop meeting agenda & materials, document meeting minutes, maintain mandate). Execute required regulatory compliance management activities for the U.S. Change Governance and NBPA Programs. Communicate and work with stakeholders across 3LODs. Create and present training for U.S. Change Governance and NBPA Programs across various audience levels. Ensure supporting evidence is effectively documented and stored for all activities to maintain an effective audit trail. Provide timely and clear responses to stakeholders in alignment with U.S. Change Governance and NBPA Program requirements. Challenge stakeholders when supporting evidence doesn't clearly demonstrate compliance with the U.S. Change Governance and NBPA Programs. Identify opportunities to streamline and automate processes (where appropriate), including with generative AI and agentic AI. Proactively identify and assess risks; escalate to management as needed; confirm findings and drive action plans to mitigate and manage risks. Monitor emerging issues, trends, and evolving regulatory requirements; assess impacts; and recommend actions to management. Manage deliverables and timelines and provide proactive status updates to management. Preferred Experience/Qualifications Ability to interpret guidelines, standards, policies, and analytical results to inform senior-level decision-making. Ability to work with large datasets and perform data analytics (e.g., trend analysis, anomaly detection, sampling). Strong attention to detail, with the ability to identify root causes of issues and observations. Strong analytical and organizational skills, including the ability to manage multiple priorities and deadlines. Confidence and judgment to challenge the status quo and engage in constructive challenge when needed. Strong written and verbal communication skills; ability to build and maintain effective working relationships with cross-functional teams. Ability to locate, read, and understand regulatory guidance and how it applies. Hands-on experience and knowledge of leading industry practices pertaining to operational risk management, regulatory reporting requirements, and change and delivery risk management. Ability to lead a team and influence senior stakeholders across business and risk functions. 7+ years of experience in risk management, internal audit, controls testing, compliance, or a related field within financial services. Hands-on experience with Microsoft Copilot and other generative and agentic AI tools to automate and improve processes. Education & Experience Bachelors degree or progressive work experience in addition to experience below 7 + Years of related experience. Proven project management skills and analytical ability, including tactical planning and process management. Demonstrated ability to effectively contribute to multidisciplinary working committees and to manage small/medium size projects. Demonstrated ability to develop and maintain strong business relationships including relationships with TDBFG. Ability to influence the decisions and actions of others without express authority. Ability to analyze information, identify trends, draw conclusions, present results and where appropriate provide recommendations on mitigating potential risks. Proven leadership experience, with strong background in TD Bank Operational risk management function(s). Excellent written and verbal communication skills, including facilitation, presentation skills, public speaking ability, and positive public presence. Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment – Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous 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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. 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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. 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 View email address on click.appcast.io. US Labor & Employment Posters | California Privacy | Accessibility | FAQ None Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific #J-18808-Ljbffr