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258081BRJob Title:Risk Manager II, Retail Credit Risk ManagementTD Description:About TD Bank, America's Most Convenient Bank®TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. at http://www.tdbank.com/ Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBankUS .TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com at http://www.td.com/ .Auto req ID:258081BRCountry:United StatesJob Requirements:tResponsible for oversight of US Bankcard and RCS portfolios.tProvides a comprehensive and diverse range of risk management expertise to business leaders. Leads and supports the implementation of appropriate risk frameworks and related management activities to mitigate enterprise and/or business-wide risk exposures for a key business segment of the Bank. Provides oversight, commentary, and recommendations based on overall strategy and industry standard methodologies.tAn expert at the enterprise or group business level.tActs as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations.tCollaborates with teams beyond risk in a cross-functional manner.tRepresents business on corporate initiatives and identifies key risks and implications and gives guidance in complex situations.
Must be eligible for employment under regulatory standards applicable to the position.
Hours:40.0Job Description:The Risk Manager II is responsible for leading the review, challenge and oversight of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization. Provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II oversight responsibilities include review of risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the manager.tResponsible for oversight of US Bankcard and RCS portfolios.tProvides a comprehensive and diverse range of risk management expertise to business leaders. Leads and supports the implementation of appropriate risk frameworks and related management activities to mitigate enterprise and/or business-wide risk exposures for a key business segment of the Bank. Provides oversight, commentary, and recommendations based on overall strategy and industry standard methodologies.tAn expert at the enterprise or group business level.tActs as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations.tCollaborates with teams beyond risk in a cross-functional manner.tRepresents business on corporate initiatives and identifies key risks and implications and gives guidance in complex situations.Inclusiveness:At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.Province/State:Delaware, MaineCity:Falmouth, WilmingtonQualifications:tBachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience belowt10+ years' experience requiredtProficient PC skills in MS Office and a variety of PC-based analytical and reporting software packagestExperience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAStWorking knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge SeekertStrong analytical and problem solving skills are required to interpret data and draw conclusionstFlexibility to adapt to rapidly changing requirementstExtremely strong attention to detail with ability to manage a range of tasks and prioritizetValidated ability to build and maintain productive business/peer relationshipstSuperb written and verbal communication skillstExperienced in developing and presenting recommendations to Senior ManagementWork Location:1313 Market Street, 70 Gray RoadWest Falmouth CrossingBusiness Line:TD Bank AMCBJob Category - Primary:Risk ManagementJob Category(s):Risk ManagementProvince/State (Primary):DelawareProvState 2:MaineCity (Primary):WilmingtonCity(s) 2:FalmouthJob Family:Group Risk ManagementTime Type:Full TimeEmployment Type:RegularFederal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
