JOB DESCRIPTION:

The Risk Officer II is responsible for designing, developing, implementing, and validation of various First Party Credit Abuse (FPCA) strategies . These strategies include, but are not limited to, adjudication, account and exposure management, collection treatments, financial return optimization. This role provides essential information, interpretative and detailed analysis, and assist implementing key FPCA strategies to ensure decisions are made within the TD risk appetite framework, adhere to fraud standards, and comply with all regulatory requirements and guidelines. This specific role resides with-in the CCUL Credit Management first line of defense and is accountable for Consumer Unsecured Lending & Credit Card portfolios. The incumbent is responsible for developing FPCA strategies leveraging both internal TD data and external credit bureau / vendor solutions & attributes. This includes conducting cohort time series analysis of FPCA, Risk Adjusted Margin, ROE, and other metrics, under guidance, to optimize false-positives and key fraud performance Indicators. Review of FPCA attacks/ emerging threats to understand & address coverage gaps within strategies, policies, procedures, and prioritizations to deliver on FPCA loss plans is expected. The incumbent is expected to engage extensively with cross functional partners including US Fraud Management, ACH Risk, Payment Ops, Operations Risk, Legal & Compliance, AML etc. and must possess strong interpersonal skills .

PHYSICAL REQUIREMENTS:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

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.

Please refer the Job description for details