Work Location:Greenville, South Carolina, United States of AmericaHours:40Pay Details:$86,840 - $130,000 USDTD 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:Sales & Customer Distribution SupportJob Description:The Fraud Business Strategy Specialist will manage full scope of forecast delivery for Small Business Lending, TD Auto Finance, and Home Equity related losses. Responsible for maintenance/creation of detailed forecast models as well as creation of forecast review content for discussion with relevant peers, partners, and executives. Will be responsible for leading discussions across the Fraud teams for pro-active analysis and insightful reporting and forecasting of both 3rd and 1st party fraud.The Fraud Business Strategy Specialist will manage a portfolio of one or more fraud supported business lines while generating multifaceted insights, understanding and enacting strategic direction. The Specialist will be accountable for hands on delivery of objectives, projects, process changes, reporting/forecasts, and business partnership meetings.Depth & Scope:
Oversight of fraud attacks and trends impacting identified area
Partners with senior leadership to implement countermeasures in accordance with strategic goals
Participates in quarterly & annual fraud loss, and operational capacity forecasting exercises
Implements procedure and project changes
Adheres to Change Management protocols
Leverages business level reporting to identify fraud trends and provide insight based on area of oversight
Supports project development, intent & ongoing partner projects; provide risk identification and support the development of business insight for the project
Supports projects/ change by leveraging fraud expertise to help define fraud resilient products through the development of business level requirements and processes
Provides post launch Project and IT/ technology validation and issue management to ensure business and or fraud requirements are met
Ensures Fraud policy/process alignment & implementation for both fraud and supported business lines
Provides monthly business partner loss/operational performance updates and participate in review sessions
May be responsible for the day to day management of Fraud vendors
When working on formal projects, expectation is these projects are a moderate cost and risk rating/tier
Education & Experience:
Bachelor's degree in a related discipline
3-5 years of work experience in a related capacity
Experience in fraud management preferred
Proficient with Microsoft Office applications; Advanced Excel preferred
Strong communication skills and a proven ability to develop effective relationships with external and internal business partners are required
Skilled in managing budgets, P&L and resource allocation
Ability to handle confidential information with discretion
Preferred Qualifications:
Previous experience with forecasting and planning losses
Experience working in a corporate function within a financial institution
Customer Accountabilities:
Supports the strategic direction of the fraud supported business and play a key role in the implementation of the overall business strategy while balancing Customer experience and fraud risk
Participates in identifying, designing and testing solutions and supporting the implementation of business projects/initiatives
Participates in discussion on strategic goals with partners in any given portfolio (output is roadmap and/ or strategic plan/ deliverables/ frameworks/ short to long term goals etc.)
Works effectively with multiple teams across a broad spectrum of initiatives and functional domains, influencing and aligning others as needed
Shareholder Accountabilities:
Collaborates with partners on business challenges and deliver fact-based advice that aligns to strategy and drives shareholder value
Supports the development and implementation of operational strategies/ standards/procedures and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “industry best practice” and overall enterprise strategy and objectives
Participates in establishing and executing development/ input on fraud impact for business cases as well as drive towards execution of deliverables to meet the desired results
Develops and delivers presentations/ communications to management, stakeholders, and project owners after ensuring data analysis and insights are reviewed by management to validate accuracy and minimize errors
Will support the development of business requirements and facilitate project execution as well as educate/ train business users on how to integrate analytics into Decisions
Keeps abreast of emerging issues, trends, and evolving fraud risks and assess potential impacts to the Bank
Assesses/ identifies key issues and escalate to appropriate levels and relevant stakeholders where required
Maintains a culture of risk management and control, supported by effective processes and sound infrastructure and in alignment with risk appetite
Employee/Team Accountabilities:
Provides thought leadership and/or industry knowledge for own area of expertise
Supports a positive work environment that promotes service to the business, quality, innovation and teamwork; ensure timely communication of issues/ points of interest
Identifies and recommends opportunities to enhance productivity, effectiveness, and operational efficiency
Works effectively as a team, supporting other members of the team in achieving business objectives and providing client services
Participates in knowledge transfer within the team and business units
Role model behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control culture
Creates an extraordinary place to work, advance and sustain a unique, inclusive culture that reflects TD’s diversity agenda, and creates an extraordinary employee experience
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.Our Total Rewards PackageOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (http://hrportal.ehr.com/tdtotalrewards)Additional Information:We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationIf you are an applicant with a disability and need accommodations 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.All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
