About the job

Work Location:

Toronto, Ontario, Canada

Hours

37.5

Line Of Business

Risk Management

Pay Details

$96,900 - $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

Department Overview

The Group Risk Management job family is accountable for the development and implementation of TD's risk management strategy, governance, policies, practices, programs, reporting and operating frameworks, regulatory affairs and operations associated with the Risk Management function.

Credit Risk provides second line of defense oversight through review, analysis, inquiry, and discussion throughout the credit life cycle; roles focus on a comprehensive and diverse range of risk management expertise to the lines of business and control partners.

The TD Retail Risk Management Credit Card and Personal Lending (RRM CC & PL) Strategy team is responsible for the development and execution of CC and PL automated credit adjudication strategies and initiatives that assist our product partners to achieve growth and profitability targets while maintaining the overall credit risk quality of CC and PL lending portfolio and ensuring portfolio performance within risk appetite. Accountabilities include providing effective challenge on CC and PL Portfolio, as well as designing, implementing, and monitoring credit risk strategies.

Job Description

This role reports to the Senior Manager of Origination, MBNA, ODP and Business Visa Credit Card. The successful candidate will join a dynamic and innovative team responsible for owning Business Visa (BVISA) credit strategies, monitoring portfolio performance, and providing effective challenge on credit risk activities including end‑to‑end ownership of the credit risk strategy design, implementation, and monitoring for BVISA new account originations.

Key Responsibilities Include

• Develop deep expertise in automated credit decisioning frameworks, including deterministic systems, predictive risk models, TD’s risk appetite, and credit lending strategies, with a focus on increasing automation and improving decision outcomes.
• Represent Retail Risk Management as a subject matter expert in the planning and delivery of new initiatives.
• Partner closely with cross‑functional stakeholders, including Credit Cards and Personal Lending Product, Retail Risk teams, Analytics, Technology, and other control functions, to deliver shared outcomes.
• Leverage advanced analytics and large‑scale data to identify opportunities to enhance credit decisioning frameworks, balancing business objectives with risk outcomes.
• Provide value‑add analysis, reporting, and monitoring to support risk oversight and business partner needs; act as a trusted advisor on a broad range of risk‑related matters.
• Mentor and develop junior team members, including championing cloud enablement and adoption of AI‑powered tools to drive improvements across the broader team.
• Lead the development, testing, and ongoing monitoring of automated risk processes.
• Own delivery of initiatives that drive risk efficacy and business growth, including concept development, senior management socialization, governance submissions, implementation, and post‑implementation oversight.
• Shape the future state of BVISA credit strategies across digital and assisted channels, driving alignment across Risk and Business partners and supporting senior management engagement and approvals.
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About the job

Job Description

What is the opportunity?

The Enterprise Chief Controls Office (ECCO) is seeking a Senior Manager, Risk Identification to join the Practice Management team as a key member of our First Line of Defense (1LOD) group. In this role, you will execute hands-on risk identification and assessment activities while supporting standardized execution of Enterprise risk and control frameworks. This position offers the opportunity to work on complex risk assignments of large scope and enterprise-wide impact, where your advanced analyses, business and risk acumen and innovative problem solving supports senior stakeholder decision-making.

What will you do?

The Senior Manager, Risk Identification is responsible for the execution and continuous improvement of risk and control methodologies and analyses. This ensures appropriate identification, assessment, and coverage of Non-Financial Risk categories across the first line of defense (1LOD). The Senior Manager will drive standardization, support regulatory compliance, and provide analytical and advisory insights to key stakeholders.

• Risk and Control Methodology Execution: Lead the execution and refinement of risk identification and control assessment methodologies, ensuring enterprise-wide consistency and rigor. This includes conducting deep dives and thematic reviews of 1LOD Risk and Control Self-Assessments (RCSAs) and risk/control registers, identifying emerging risks and control gaps.
• Analysis and Management of Non-Financial Risks (NFRs): Execute and lead Read-Across and Quality Control exercises, providing strategic insights and recommendations to enhance control quality and consistency across the 1LOD teams. Advise on non-financial risk categories, guiding business partners in interpreting and applying risk frameworks, analyzing control adherence to internal policies and external regulatory requirements, ensuring alignment and compliance. This includes identifying and recommending opportunities for process standardization and best practice adoption across business units and supporting reporting and executive level presentations.
• Training, Capability Development and Stakeholder Engagement: Design and deliver specialized training sessions and materials on risk and control topics, leveraging data-driven insights and collaborating with stakeholders across the organization to communicate risk findings, provide insights, and support enhancement opportunities. Identify and drive continuous improvement initiatives for risk management processes and tools, proactively recommending enhancements.
• Participate in large-scale transformational projects and initiatives.
• 
  

What do you need to succeed?

Must have:

• Bachelor’s degree in finance, Business Administration, Risk Management or other related field; extensive experience in risk governance and management within the financial services industry.
• Experience in risk management, with a focus on risk and control methodologies and non-financial risk categories.
• Knowledge in developing and executing risk identification and assessment frameworks in a large, complex organization.
• Advanced understanding of internal and external regulatory requirements and standards.
• Strong analytical skills with demonstrated ability to translate risk data insights into meaningful training programs and educational materials for diverse audiences.
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Nice-to-have:

• MBA, CRM, FRM, GRC or other related designations.
• Analytical Thinking: Ability to collect, interpret, and synthesize complex risk data to inform decision making and identify emerging trends.
• Technical Proficiency: Familiarity with risk management software and tools, and the ability to leverage technology to enhance risk identification and control processes.
• Training Design and Development: Ability to develop risk management training programs that address identified gaps, enhance organizational risk awareness, and ensure alignment with enterprise objectives and regulatory requirements.

About the job

Work Location:

Toronto, Ontario, Canada

Hours

37.5

Line Of Business

Risk Management

Pay Details

$96,900 - $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

Department Overview

The Group Risk Management job family is accountable for the development and implementation of TD's risk management strategy, governance, policies, practices, programs, reporting and operating frameworks, regulatory affairs and operations associated with the Risk Management function.

Credit Risk provides second line of defense oversight through review, analysis, inquiry, and discussion throughout the credit life cycle; roles focus on a comprehensive and diverse range of risk management expertise to the lines of business and control partners.

The TD Retail Risk Management Credit Card and Personal Lending (RRM CC & PL) Strategy team is responsible for the development and execution of CC and PL automated credit adjudication strategies and initiatives that assist our product partners to achieve growth and profitability targets while maintaining the overall credit risk quality of CC and PL lending portfolio and ensuring portfolio performance within risk appetite. Accountabilities include providing effective challenge on CC and PL Portfolio, as well as designing, implementing, and monitoring credit risk strategies.

Job Description

This role reports to the Senior Manager of Origination, MBNA, ODP and Business Visa Credit Card. The successful candidate will join a dynamic and innovative team responsible for owning Business Visa (BVISA) credit strategies, monitoring portfolio performance, and providing effective challenge on credit risk activities including end‑to‑end ownership of the credit risk strategy design, implementation, and monitoring for BVISA new account originations.

Key Responsibilities Include

• Develop deep expertise in automated credit decisioning frameworks, including deterministic systems, predictive risk models, TD’s risk appetite, and credit lending strategies, with a focus on increasing automation and improving decision outcomes.
• Represent Retail Risk Management as a subject matter expert in the planning and delivery of new initiatives.
• Partner closely with cross‑functional stakeholders, including Credit Cards and Personal Lending Product, Retail Risk teams, Analytics, Technology, and other control functions, to deliver shared outcomes.
• Leverage advanced analytics and large‑scale data to identify opportunities to enhance credit decisioning frameworks, balancing business objectives with risk outcomes.
• Provide value‑add analysis, reporting, and monitoring to support risk oversight and business partner needs; act as a trusted advisor on a broad range of risk‑related matters.
• Mentor and develop junior team members, including championing cloud enablement and adoption of AI‑powered tools to drive improvements across the broader team.
• Lead the development, testing, and ongoing monitoring of automated risk processes.
• Own delivery of initiatives that drive risk efficacy and business growth, including concept development, senior management socialization, governance submissions, implementation, and post‑implementation oversight.
• Shape the future state of BVISA credit strategies across digital and assisted channels, driving alignment across Risk and Business partners and supporting senior management engagement and approvals.
•