Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Business Management, Strategy & Support

Pay Details:

$96,900 - $136,800 CADThis role is eligible for a discretionary variable compensation award that considers business and individual performance.

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:

POSITION SUMMARY

Support the Business Banking Fraud operational function by providing expertise and guidance on a broad range of fraud prevention activities, analysis, and specialized project support. Responsible for delivering fraud education to customers and employees, maintaining fraud-related procedures, and participating in fraud-related projects. The role requires deep fraud and Business Banking knowledge, strong communication skills, and the ability to collaborate with investigative partners and key stakeholders. The Manager will leverage data analytics, technology, and continuous improvement to drive effective fraud prevention strategies while supporting a positive customer experience.

KEY ACCOUNTABILITIES

CUSTOMER

• Provide operational support to Business Banking partners on fraud prevention and education.
• Support Business Banking clients and partners on fraud incidents and provide guidance as needed.
• Participate in customer-focused and enterprise-wide fraud-related projects.
• Support research, development, and implementation of new fraud prevention processes, technologies, or operating models.
• Lead initiatives to enhance end-to-end customer experience as it relates to fraud.
• Deliver fraud education and training to employees and customers.
• Conduct risk assessments and recommend mitigation strategies.
• Ensure adherence to approved internal fraud policies, procedures, standards, and guidelines, as well as those federally mandated.
• Assist in department compliance with overall fraud division guidelines and regulatory agencies.
• Escalate significant risk matters and exceptions to management as required.
• Recommend and implement changes to procedures to address identified gaps.
• Participate in responding to periodic exams/audits from regulatory bodies.
• Provide after-hours support for urgent fraud incidents as required.

SHAREHOLDER

• Work closely with business leaders to support business plans and leverage TD’s operating model for efficiency and effectiveness.
• Coordinate technology support for fraud prevention, including vendor research databases and fraud detection tools.
• Monitor performance of fraud systems and communicate feedback to management and technology partners.
• Analyze fraud trends and prepare reports for management and stakeholders.
• Support integration of new systems and upgrades into fraud operations.
• Contribute to strategic activities, review results, and adjust tactics as needed.
• Drive continuous improvement by leveraging feedback from incidents and partners.
• Ensure employees are knowledgeable and minimize operational and regulatory risk by complying with Bank and industry Code of Conduct.
• Stay abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
• Maintain knowledge of end-to-end processes, internal/external partners, and regulatory requirements.

EMPLOYEE / TEAM

• Contribute to the development of business segment and/or enterprise functional strategic priorities within the operational area.
• Support annual and/or long-term plans for the area and influence plans beyond area managed.
• Share knowledge, information, skills, and subject matter expertise among the team.
• Encourage excellent working relationships with other functions and teams.
• Support an environment where team members freely escalate business challenges and facilitate change through positive reinforcement.
• Promote a fair and equitable environment that supports a diverse workforce and encourage the team to achieve common goals and objectives.
• Act as a brand ambassador for the business area/function and the bank, both internally and externally.
• Support the development and delivery of fraud training programs.

BREADTH & DEPTH

• Provide subject matter expertise in fraud prevention and education for Business Banking.
• Lead and participate in large-scale projects, providing fraud expertise and insights.
• Build strong relationships with internal and external partners, including vendors.
• Participate in legal discussions and incident management as required.
• Present to customers and Business Banking partners on fraud trends and risks.
• Proactively identify gaps or risks in fraud controls and work with partners to close those gaps to enhance fraud capabilities and prevention strategies.
• Focus on longer-range planning for functional area and support creation and execution of long-term fraud roadmaps.
• Utilize data analytics and reporting to inform fraud prevention strategies.

EXPERIENCE & EDUCATION

• 10+ years relevant experience in fraud prevention, preferably in Business Banking, Cash Management, and Payments.
• Proven experience dealing with various fraud types, insider threat awareness, and incident management.
• Project experience preferably related to Business Banking spaces.
• Previous experience supporting large scale clients (Commercial, Corporates, National Accounts etc.).
• Comfortable with presentation and public speaking for large internal and external audiences.
• Strong knowledge of Business Banking products, services and processes.
• Ability to work under pressure and meet tight deadlines.
• Experience working with senior leadership and legal, corporate security, cybersecurity, insider threat and other investigating groups.
• Flexibility and adaptability to changing priorities.
• Strong influencing and relationship-building skills.
• Experience in fact gathering, legal discussions and complex fraud cases for unique segments.
• Experience with fraud detection tools and data analytics preferred.
• Relevant certifications (e.g., CFE, CAMS, ACFE) are an asset.
• Demonstrate leadership capabilities, comfortable leading initiatives, working independently and with ambiguity.
• Some traveling may be required to meet with partners and customers.

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):

Sans Objet