Senior Risk Analyst - 2LoD Controls Testing and Oversight
TD Bank
- # Senior Risk Analyst - 2LoD Controls Testing and OversightApplyremote type: Hybridlocations: New York, New York: Mount Laurel, New Jersey: Charlotte, North Carolinatime type: Full timeposted on: Posted Todaytime left to apply: End Date: August 14, 2026 (29 days left to apply)job requisition id: R\_1499874**Work Location:**New York, New York, United States of America**Hours:**40**Pay Details:**$72,280 - $117,520 USDTD 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 Senior Group Risk Analyst provides a broad range of research, analysis, reporting, monitoring and/or operational process support within a defined area of function. Supports business by providing expert guidance/advice on a range of risk related matters within assigned or own area of specialization. The Senior Group Risk Analyst may support and/or provide oversight, commentary, and strategy analysis in connection to team and/or individual initiatives.**Department Overview:**TD Bank is guided by the 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. In this role, you will support the scoping and execution of independent 2LOD controls testing across business processes and technology platforms, and contribute to regulatory and internal risk reporting.**Depth & Scope:*** Utilizes expertise to exercise sound and expert independent professional judgement and discretion in interacting and communicating with staff and senior management of the Bank with respect to regulatory risk and other matters* Empowered to make prudent professional recommendations - in rendering advice and counsel to business lines or assigned area and risk which impact performance of the business and overall enterprise strategies and objectives* Integrates the broader organizational context into advice and solutions within own functional area* Understands the industry, competition and the factors that differentiate the organization* Acts as the primary subject matter expert and expected to make sound decisions in setting standards within area of expertise* Applies expert knowledge and best practices to implement process, product or service improvements* Oversees and/or independently performs tasks from end to end* Acts as a subject matter expert within own area of specialty or as a resource for others* Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs* Executes on complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders* Recommends and implements solution within own are or responsibility that impact the strategies and objectives of the department* Uses advanced methods to contribute to new solutions and recommends standards against which others will operate* Impacts a high level of complexity in operational/reporting/process and/or analysis function requiring medium to longer term focus. Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise. Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels* Works independently as the senior technical lead and guides others within area of expertise* Identifies and leads problem resolution for complex issues at all levels**Education & Experience:*** Undergraduate degree or technical professional certification and/or* 5+ years relevant experience* Proficient knowledge of risk management, programs, policies, practices & reporting for business supported and/or area of discipline* Understanding and experience with various programing tools* Knowledge of risk management environment, standards, regulations and mitigation* Knowledge of current and emerging competitor and market trends* Ability to lead, plan, implement, and evaluate program/project activities to ensure completion of initiatives* Advanced skill in using analytical software tools, data analysis methods and reporting techniques* Skill in using computer applications including MS Office* Ability to communicate effectively in both oral and written form* Ability to work collaboratively and build relationships* Ability to work successfully as a member of a team and independently* Ability to exercise sound judgement in making decisions* Ability to analyze, organize and prioritize work while meeting multiple deadlines* Ability to handle confidential information with discretion**Additional Responsibilities:**The Senior Risk Analyst is responsible for the execution of independent Second Line of Defense (2LoD) testing and validation programs across regulatory reporting, internal risk reporting, data risk management, and liquidity and capital risk management. This role provides independent review and challenge of First and Second Line processes, controls, data, and reporting practices to assess compliance with regulatory requirements, internal standards, and industry-leading practices. Responsibilities include evaluating end-to-end data lineage, data transformations, calculation methodologies, control frameworks, and reporting governance to validate the integrity, accuracy, and regulatory compliance of risk management and reporting processes.The role requires hands-on experience and knowledge of controls testing, root cause analysis, operational risk management, regulatory reporting requirements, and liquidity and capital risk management. The Senior Risk Analyst is expected to work with a team of testing professionals as well as stakeholders across business, risk, finance, technology, and data management functions.**Preferred Experience/Qualifications:*** Execute independent 2LoD testing in the following areas: Control Design & Operating Effectiveness, Transactions Testing, Data Reconciliations, Logic Reperformance, Data Profiling/Analytics, End-User Computing (EUC) Review, Policy & Procedure Review, Governance/Oversight, and Regulatory Rule Compliance* Identify opportunities to streamline and automate controls testing (where appropriate), including through the use of generative AI, agentic AI, and RPI* Support maintenance of the testing inventory and update the testing universe and test plans based on regulatory developments and changes in the internal risk profile* Partner with business and technology stakeholders to discuss key controls, potential control gaps, root causes, and remediation plans* Assess processes and controls end-to-end and connect themes across issues to drive standardization of solutions, processes, and control design* Manage deliverables proactively and provide clear, timely status updates, risks, and dependencies to management* Bachelor’s degree required; advanced degree and/or relevant certifications (e.g., CRISC, CISA, CIA, CPA, FRM, CFA) preferred* 5+ years of experience in operational risk, risk management, internal audit, compliance testing, or related roles within financial services* Experience using Microsoft Copilot and other approved generative and agentic AI tools to automate and improve tasks and processes* Experience with any of the following reports is a plus: FR 2052a, US LCR, US NSFR, FR Y9C, Call Report, FR Y-15, FR Y-14Q/M, FR Y-14A (CCAR, DFAST)* In-depth knowledge of retail banking products, processes, and associated risk and control frameworks is considered a strong asset* Ability to interpret guidelines, standards, policies, and analysis results to inform decisions and provide effective challenge* Ability to work with large datasets and apply data analytics to support testing, insights, and reporting* 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**Customer Accountabilities:*** Develops and operationalizes standards, policies and processes to identify, report and mitigate overall risk exposures within the business* Proactively analyzes potential risks and ensures key risks are aggregated/escalated to appropriate areas* Supports ongoing 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 risk issues and their impact which may include scenario analysis* May be responsible for coordinating business continuity management (BCM) processes and supporting regulatory/compliance related initiatives impacting overall risks to the business (e.g. CDIC, anti-money laundering)* Supports established enterprise-wide risk escalation, review and approval processes, data management, policies and risk assessment processes* Contributes to the monitoring of Key Risk Indicators through the identification of key risk drivers for the business* May also monitor/report on compliance, management, and strategic initiatives* Provides regular commentary and industry analysis in supporting the development/maintenance/oversight of policies/procedures/practices**Shareholder Accountabilities:*** Adheres to enterprise frameworks or methodologies that relate to activities for our business area* Ensures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities* Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate* Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)* Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations* Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience* Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations and assess the effectiveness of programs/policies/practices* Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist* Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues* Actively manages relationships within and across various business lines, corporate and/or oversight functions and ensures alignment with enterprise and/or regulatory requirements* Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts* Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite**Employee/Team Accountabilities:*** Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest* Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit* Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques* Participates in personal performance management and development activities, including cross training within own team* Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities* Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices* Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships* Contributes to a fair, positive and equitable environment that supports a diverse workforce* Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally**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 – ContinuousThe 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.
- J-18808-Ljbffr TD Bank
Vacancy posted 3 days ago
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