Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Risk Management

Pay Details:
$91,200 - $136,800 CAD

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:

CUSTOMER

• Lead the development, oversight, and enhancement of governance, risk assurance, and control frameworks, policies, and guidelines for enterprise conduct, insider, fraud, investigations, and physical security risk management.
• Operate within the Second Line of Defense to maintain a robust risk management framework, ensuring risk types are governed, controlled, and reported in line with regulatory expectations and internal risk appetite.
• Develop and maintain governance frameworks and risk policies related to assigned risk domains.
• Ensure effective risk identification, measurement, and monitoring processes are in place across all relevant domains.
• Provide second-line oversight of the implementation and performance of first-line controls, systems, and risk mitigation measures.
• Lead thematic reviews, assurance activities, and deep dives into high-risk areas to assess the effectiveness of controls and risk frameworks.
• Design and execute risk-based assurance plans, ensuring appropriate documentation and timely reporting of findings.
• Monitor key risk indicators (KRIs) and other metrics, escalating emerging risks or control failures to senior leadership.
• Prepare and deliver regular and ad hoc risk reports, dashboards, and assurance findings to senior management, risk committees, and governance forums, including the Board.
• Contribute to enterprise risk assessments and regulatory submissions as required.
• Serve as a subject matter expert (SME) for assigned risk domains during audits, regulatory reviews, and internal investigations.
• Develop and maintain second-line frameworks and policies for assigned risk types, ensuring alignment with regulatory requirements and industry best practices.
• Collaborate with stakeholders to continuously improve the organization's control environment and risk culture.
• Champion the use of machine learning, advanced statistics, and data science techniques to optimize operational efficiency, customer, and employee experience.

SHAREHOLDER

• Support and promote a strong risk-aware culture across the organization.
• Ensure adequacy, effectiveness, and alignment of risk management practices with risk appetite.
• Adhere to enterprise frameworks and methodologies relevant to risk management activities.
• Ensure programs, policies, and practices are well managed, meet business needs, comply with requirements, and align with business priorities.
• Participate in cross-functional initiatives as a subject matter expert, providing guidance for complex situations.
• Conduct meaningful analysis and research at the functional or enterprise level, using results to draw conclusions and make recommendations.
• Monitor service, productivity, and efficiency; implement process and performance improvements.
• Lead, facilitate, and implement actions or remediation plans to address performance, risk, or governance issues.
• Maintain a culture of risk management and control, supported by effective processes.
• Engage and influence senior stakeholders through clear communication and compelling data-driven narratives.
• Ensure business operations are in compliance with applicable internal and external requirements (e.g., audit results, regulatory findings, issue remediation, reports to risk committees and boards).

EMPLOYEE / TEAM

• Participate fully as a team member, supporting a positive work environment that promotes service, quality, innovation, and teamwork.
• Provide thought leadership and industry knowledge; participate in knowledge transfer within the team and business unit.
• Stay current on emerging trends and developments; grow knowledge of the business, related tools, and techniques.
• Participate in personal performance management and development activities.
• Keep others informed about the status and progress of projects and relevant information.
• Contribute to team development through mentorship, sharing knowledge and experiences, and leveraging best practices.
• Lead, motivate, and develop relationships with internal and external business partners and stakeholders.
• Support a fair, positive, and equitable environment for a diverse workforce.
• Act as a brand ambassador for your business area/function and the bank, both internally and externally.
• Demonstrated ability to work collaboratively across diverse teams, geographic regions, and organizational levels.

BREADTH & DEPTH

• Highly seasoned professional role requiring substantial knowledge and expertise in complex risk domains.
• Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations.
• Interprets internal and external business challenges and the industry environment; recommends best practices to improve products, processes, or services.
• Acts as a technical expert and lead, integrating cross-functional understanding within their field of specialty; may manage teams of related specialists.
• Leads cross-functional teams or projects with significant resource requirements, risk, and complexity.
• Independently manages end-to-end functional programs.
• Solves complex problems and leads efforts to develop new solutions.
• Uses sophisticated analytical thought to exercise judgment and identify solutions.
• Impacts the achievement of sub-function or business line objectives within the area of accountability.
• Work is guided by policies and industry standards.
• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across senior stakeholders.
• Works autonomously as the lead and guides others within area of expertise.
• Generally reports to a Senior Manager or above.
• Thrive in an ambiguous and fast-paced environment, managing multiple deadlines and priorities.
• Ability to deal with ambiguity effectively and lead, facilitate, and support through change.
• Take risks that are understood and can be managed.
• Effectively challenge business leaders while providing value-added guidance.
• Highly motivated individual with a track record of successfully developing and implementing large-scale programs with superior results, while managing effectively in a highly matrixed environment.
• Work with a pool of experts and ensure high levels of service across organizational boundaries.
• Possess and operate with a strong control/risk management mindset.
• Work collaboratively with others as we innovate and simplify.

EXPERIENCE & EDUCATION

• 7+ years relevant experience
• Experience with policy writing considered an asset
• Undergraduate degree or technical certificate in Risk Management, Business, Law, Criminology, Security, or related field and/or
• Strong understanding of second line of defense functions and non-financial risk management.
• Experience with Conduct, Insider, Fraud, Investigations, and Physical Security Risk Management domains.
• Professional certifications (e.g., CFE, CRMA, CPP, CIRM, CIA, CISSP).
• Strong understanding of regulatory expectations and industry standards related to governance and assurance.
• Experience working with regulatory bodies or in a heavily regulated environment.
• Exceptional communication and presentation skills to interact with and influence senior leaders and key stakeholders.
• Ability to communicate complex data-related topics and transformational change drivers to the broader organization, including regulators.
• Ability to build strong relationships, collaborate effectively, and influence decision-making.

#LI-CorporateB

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