Group Risk Specialist (US) Fraud and Insider Risk Management

About the role

The 2nd Line of Defense Fraud, Insider and Conduct Risk Management team oversees specialty and functional risk across TD’s business segments and corporate functions, including operational risk processes (identify, assess, measure, monitor and report). The role provides independent oversight and challenge, serves as a trusted advisor to business, risk and executive stakeholders, and evaluates significant initiatives—such as change assessments, risk acceptances and control gaps—through a fraud and insider risk lens.

Responsibilities

• Oversee specialty and functional risk, including operational risk processes (identify, assess, measure, monitor and report) across the Enterprise (Canada and US)
• Provide independent oversight and challenge; serve as a trusted advisor to businesses, risk and executive stakeholders
• Evaluate significant initiatives (change assessments, risk acceptances, control gaps) through a fraud and insider risk lens
• Review and challenge initiative assessments to validate that risks are appropriately identified, assessed, mitigated and communicated
• Comfortably challenge senior leaders, clearly articulate risks, and provide concise, actionable recommendations supported by policy and industry best practices
• Lead the development and/or implementation of standards, policies and/or processes that identify, report on and mitigate operational (or all major) risk exposures
• Proactively analyze potential risks and ensure escalation of key risks to appropriate areas and/or executive review with business findings and action plans
• Establish and provide ongoing analysis and reporting on operational risk and/or other major risk categories; review findings and action plans with business leaders
• Coordinate and/or guide activities relating to core operational risk disciplines/programs (e.g., Risk & Control Self‑Assessment, Business Continuity Management, Outsourcing & Vendor Management, Regulatory Compliance)
• Direct the development and monitoring of Key Risk Indicators and facilitate communication and resolution of risk issues among business segments
• Manage ancillary operational risk areas (e.g., BCM/incident management, outsourcing/vendor management, fraud aggregation, Basel implementation, change management, Privacy, AML, LCM, etc.)
• Provide support for other major risk areas (Market, Credit, Reputational, Regulatory, etc.) as needed
• Act as a point of contact for guidance on monitoring/reporting of compliance, management, and strategic initiatives
• Provide broad/deep commentary to support the development/maintenance/oversight of policies/procedures/practices as required
• Adhere to enterprise frameworks or methodologies; ensure programs/policies/practices are well managed, meet business needs, comply with internal/external requirements, and align with business priorities
• Exercise discretion in managing correspondence, information and confidentiality; escalate issues where appropriate
• Ensure business operations comply with applicable internal and external requirements (financial controls, segregation of duties, transaction approvals, physical control of assets)
• Participate in cross‑functional/enterprise initiatives as a subject matter expert to identify risk and provide guidance for complex situations
• Conduct internal and external research projects; support development/delivery of presentations/communications to management or broader audience
• Conduct meaningful analysis at the functional or enterprise level; use results to draw conclusions, make recommendations and assess effectiveness of programs/policies/practices
• Monitor service, productivity and assess efficiency levels within own function; implement continuous process/performance improvements where opportunities exist
• Lead/facilitate and/or implement actions/remediation plans to address performance/risk/governance issues
• Actively manage relationships within and across various business lines, corporate and/or oversight functions; ensure alignment with enterprise and/or regulatory requirements
• Keep abreast of emerging issues, trends, and evolving regulatory requirements; assess potential impacts
• Maintain a culture of risk management and control, supported by effective processes aligned with risk appetite

Requirements

• Undergraduate degree or technical certificate and/or 7+ years of relevant experience
• Advanced knowledge of