Credit Review Early Warning (CREW) Analyst

Work Location:

Wilmington, Delaware, United States of America

Hours:

40

Pay Details:

$28.25 - $45.00 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:

Financial Crimes & Fraud Mgmt

Job Description:

The Fraud Specialist investigates transactions escalated by the business units for suspicious activity and works directly with partners to identify gaps that provide opportunities for fraud to infiltrate the organization. The Fraud Specialist is responsible for evaluating current fraudulent activity perpetrated against the Bank and identifies opportunities for enhancing the Bank's fraud prevention systems and processes in an effort to reduce losses.

Department Overview:

The Credit Review Early Warning (CREW) team is part of the operational arm of True Party Intentional (TPI) strategy Team and resides with-in the CCUL Credit Management first line of defense which is accountable for Credit cards and unsecured lending portfolios.  The CREW team investigates through-the door applications, booked accounts and transactions triggered by various TPI strategies, to prevent bad actors from infiltrating the organization. Reviews administered include, but are not limited to, adjudication, account and exposure management, collection treatments, financial return optimization. The outcome of the reviews provides essential information, interpretative and detailed analysis, and assist implementing key TPI strategies to ensure decisions are made within the TD risk appetite framework and comply with all regulatory requirements and guidelines. In-addition the team develops tactical TPI solutions leveraging both internal TD data and external credit bureau / vendor solutions & attributes and present their recommendation. Team engages extensively with cross functional partners including US Fraud Management, ACH Risk, Payment Ops, Operations Risk, Legal & Compliance, AML, etc..

Depth & Scope:

• Serves as a subject matter expert in operational function and performs end to end activities, may serve as knowledge and process expert to others
• Requires advanced understanding of a range of product and services, processes, procedures, systems and concepts within their own area of specialty and integration points with related areas
• Applies advanced knowledge of business drivers, processes, and customers to coordinate with other related areas to improve efficiency and deliver results
• Manages ambiguity, and applies judgement to identify, troubleshoot and resolve ongoing business and operational issues
• Interprets and administers policies, adopts and implements business process improvements
• Impacts the quality, efficiency and ongoing operations of one or multiple units
• Guided by practices, procedures and operating plans, makes process and capacity management decisions to ensure ongoing operations
• Simplifies technical and process information, conveys performance expectations, handles sensitive issues
• Moderates level of complexity in operational/reporting/process and/or analysis function requiring a short to medium term focus
• May represent as a project lead on projects/initiatives and/or at meetings across the organization

Education & Experience:

• High School diploma required; Undergraduate degree preferred
• 5+ years relevant experience
• Seasoned knowledge of variety of products and services, systems, standards, procedures, laws, rules and regulations
• Knowledge of current and emerging trends
• Skilled in using analytical software tools, data analysis methods and reporting techniques
• Skilled in using computer applications including MS Office
• Ability to communicate effectively in both oral and written form
• Ability to work collaboratively, build relationships and mentor/coach others