Group Risk Specialist (US) Fraud and Insider Risk Management

Work Location:Mount Laurel, New Jersey, United States of AmericaHours:40Pay Details:$91,000.00 - $136,240.00 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 ManagementJob Description:The 2nd Line of Defense Fraud, Insider and Conduct Risk Management team is responsible for overseeing specialty and functional risk across TD’s business segments and corporate functions, inclusive of operational risk processes (identify, assess, measure, monitor and report). Jurisdictional coverage is across the Enterprise, including Canada and the US.We are seeking a highly skilled risk professional with deep expertise in fraud and insider risk management. This individual will provide independent oversight and challenge, serve as a trusted advisor to businesses, risk and executive stakeholders, and evaluate significant initiatives— including change assessments, risk acceptances, and control gaps— through a fraud and insider risk lens. A key responsibility will be to review and challenge initiative assessments to validate risks are appropriately identified, assessed, mitigated and communicated. The successful candidate will be comfortable challenging senior leaders, be able to clearly articulate risks, and provide concise actionable recommendations supported by policy and industry best practices.This is an individual contributor role.Depth & Scope:Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areasIntegrates knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operationsInterprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or servicesActs as a technical expert/lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialistsLeads cross-functional teams or projects with significant resource requirements, risk and/or complexityIndependently manages end-to-end functional programsSolves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutionsUses sophisticated analytical thought to exercise judgement and identify solutionsImpacts the achievement of sub-function or business line objectives within the area they are accountable forWork is guided by policies and industry standards/methodsCommunicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholdersWorks autonomously as the lead and guides others within area of expertiseEducation & Experience:Undergraduate degree or technical certificate and/or7+ years relevant experienceAdvanced knowledge of risk management governance, programs, policies, practices, operating frameworks & reporting for business supported and/or area of disciplineKnowledge of risk management environment, standards, regulations and mitigationKnowledge of current and emerging competitor and market trendsAbility to establish goals and objectives which support the strategic planAbility to lead, plan, implement, and evaluate program/project activities to ensure completion of initiativesSkill in mentoring and coachingAdvanced skill in using analytical software tools, data analysis methods and reporting techniquesSkill in using computer applications including MS OfficeAbility to communicate effectively in both oral and written formAbility to work collaboratively and build relationships across teams and functionsAbility to work successfully as a member of a team and independentlyAbility to exercise sound judgement in making decisionsAbility to analyze, organize and prioritize work while meeting multiple deadlinesAbility to handle confidential information with discretionPreferred Qualifications:Subject matter expertise in fraud risk, insider risk, operational risk, change risk, and/or emerging riskCertified Fraud Examiner (CFE)Demonstrated experience providing independent challenge and oversight within a second line of defense environmentExceptional written and verbal communication skills with the ability to distill complex topics into concise executive-ready materials.Proven ability to prepare high-quality committee materials, executive summaries, risk opinions and decision-support documents requiring minimal revisions.Experience presenting risk perspectives and recommendations to senior executives, governance committees and risk forums.Customer Accountabilities:Leads the development and/or implementation of specific standards, policies and/or processes that identify, report on and mitigate operational (or all major) risk exposures within the businessProactively analyzes potential risks and ensures escalation of key risks to appropriate areas and/or executive review with business executive findings and action plans to mitigate and manage these risksEstablishes and provides on-going analysis and reporting on operational risk and/or other major risk categories as applicable to own business or functional area, and reviews findings and action plans with business leaders to mitigate and manage key issuesCoordinates and/or guides activities relating to core operational risk disciplines/programs including, Risk & Control Self-Assessment, Business Continuity Management, Outsourcing & Vendor Management, Regulatory Compliance (e.g. CDIC, AML, Privacy, IDA, CBA, SOX, Basel etc.)Supports enterprise-wide operational risk escalation, review and approval processes, data management, policies and risk assessment processesDirects the development and monitoring of Key Risk Indicators and facilitate communication and resolution of risk issues among other business segments where applicableMay be accountable for managing ancillary operational risk areas (e.g. BCM/incident management, outsourcing/vendor management, fraud aggregation and assessment, Basel implementation/capital analysis, change management, Privacy, AML, LCM and other regulatory issues), in addition to core functionsMay be responsible for providing support for other major risk areas (e.g. Market, Credit, Reputational and/or Regulatory risks etc.)May be a point of contact for guidance in the monitoring/reporting of compliance, management, and strategic initiativesProvides broad/deep commentary in support of the development/maintenance/oversight of policies/procedures/practices, as requiredShareholder Accountabilities:Adheres to enterprise frameworks or methodologies that relate to activities for our business areaEnsures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business prioritiesConsistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriateEnsures 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 situationsConducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audienceConducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations and assess the effectiveness of programs/policies/practicesMonitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities existLeads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issuesActively manages relationships within and across various business lines, corporate and/or oversight functions and ensures alignment with enterprise and/or regulatory requirementsKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impactsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteEmployee/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 interestProvides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unitKeeps current on emerging trends/developments and grows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationshipsContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand ambassador for your business area/function and the bank, both internally and/or externallyPhysical 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 – 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.#Linkedin#LI-USCorporateWho 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 PackageOur 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 moreAdditional 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 DevelopmentIf 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationTD 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 . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr TD