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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:

The Financial Crime Management team works closely with TD's businesses to combat fraud threats through prevention and detection strategies and operational fraud response.

Value is created through insights that enable identification and disruption of fraud trends and enhancing customer protection.

This mandate will play a critical role in transformation and modernization of TD's Fraud Program in Canada and its continuing evolution to the overall fraud strategy. Reporting to the Vice President, Canadian Fraud Management Group, the incumbent will build and deliver against the following:

• Lead modernization and innovation initiatives for Canadian Performance Management and Fraud Operations by driving forward-looking, transformative solutions that result in measurable improvements in efficiency and effectiveness
• Drive the implementation of AI/ML, advanced analytics, link analysis, automation, and GenAI in Canadian Fraud Management processes.
• Lead enablement of business initiatives with strong risk mitigation strategies to enable business growth
• Create scalable, forward-thinking capabilities to address evolving threats.
• Strengthen and expand fraud coverage across products and channels
• Develop and maintain productive relationships with key stakeholders, drive investment decisions and deliver ROI
• Drive and align analytical modeling priorities to maximize the return on investment for the bank, customers, and colleagues. Leverage deep subject matter expertise to develop and deploy a vision by providing creative thought leadership while aligning with key partner priorities
• 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 and initiatives.
• Ability to 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 a and fast paced environment to effectively balance the impacts to the customer and colleague experience as solutions are designed to combat attacks and reduce risk.
• Expand detection capability for new and emerging fraud trends and vectors. Identify and action opportunities in process, tools, analytics or technology hindering efficiency and/or effectiveness.
• Monitor customer, account and transactional trends to improve fraud detection while always considering the trade off with customer experience and P&L growth.

Qualifications:

• Undergraduate or Graduate degree in quantitative areas. Graduate degree and/or MBA preferred
• 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

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):