Senior Manager, External Fraud Risk Oversight (US)

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$110,760 - $178,880 USD

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.

Line of Business:

Risk Management

Job Description:

The Senior Manager – US External Fraud Risk Oversight plays a critical role in advancing TD’s external fraud risk oversight framework. This role ensures strong governance, effective oversight, and credible challenge of the first line of defense across U.S. businesses (with a focus on non-card payment products). The External Fraud Risk Oversight team sits within TD's 2nd Line of Defense and is responsible for policies, standards, governance, oversight, monitoring and challenge of external fraud risk of the US (TDGUS). This job is highly specialized requiring deep understanding of external fraud risk typologies such as First-Party Fraud, Third-Party Fraud, and Customer Scams. 

The Senior Manager will provide oversight, challenge, and risk intelligence to influence business outcomes and behaviors in line with risk profile, regulatory expectations, and strategic objectives. This role will evaluate the design and effectiveness of fraud prevention and detection controls across the customer lifecycle from account opening, funding, transactions (monetary and non-monetary (e.g., login, servicing, etc.) and including both lending and deposit products. The role monitors emerging fraud and scam typologies, challenges the first line on control design and execution, and provides subject matter expertise to ensure TD’s fraud oversight framework is aligned with regulatory expectations, industry practices, and the Bank’s risk appetite.

This position requires the ability to translate fraud trends into actionable insights for senior executives, governance committees, and regulators, while balancing fraud prevention with customer experience.

Depth & Scope:

• Recognized as top level  expert within the company and requires significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas
• Senior specialist providing advisory services to executives, business segment leaders and governs requirements for own work
• Integrates knowledge of the enterprise function’s or business segment’s strategy in leading program design, policy formulation or operating standards within one or more areas of expertise
• Anticipates emerging business trends and regulatory/risk issues as a basis for recommending large-scale product, technical, functional or operations improvements
• Serves as a source of expert advice to senior management in field of specialty; may lead team(s) of related specialists/experts
• Advises on execution strategy and leads the development and deployment of functional programs or initiatives within own field or across multiple specialties
• Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of own field
• Requires innovative thinking to develop new solutions
• Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment
• Works within general policies and industry guidelines
• Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader context
• Provides leadership guidance, makes recommendations and collaborates with business  to ensure solutions meet the business needs on a complex project or program
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree or technical certificate and/or
• 10+ years relevant experience
• Advanced knowledge of risk management governance, programs, policies, practices, operating frameworks & reporting for business supported and/or area of discipline to deliver objective guidance and independent challenge on initiatives.