Personal Insurance Advisor serving clients, selling policies, and managing renewals for BrokerLink’s Spriggs Insurance team. Onsite role based in Georgetown or Oakville.
About the role
- Fraud risk manager overseeing external fraud controls and governance at TD, a major North American bank. Challenging first-line decisions and advising senior leadership.
Responsibilities
- Provide independent Second Line oversight and subject matter expertise for external fraud risk across the Bank
- Assess external fraud risk exposures and challenge First Line risk management activities
- Assess and challenge fraud prevention, detection, authentication, interdiction, investigation, and recovery controls
- Assess fraud strategies, thresholds, monitoring, and management information against risk appetite
- Analyze fraud losses, attempted fraud, alerts, cases, operational events, control performance, and root causes
- Apply the Operational Risk Management Framework and related programs and tools, including RCSAs, Operational Risk Profiles, KRIs, Issues Management, Event Management, Scenario Analysis, and Risk Acceptance processes
- Analyze risk assessments, indicators, events, issues, losses, control performance, and emerging threats
- Provide fraud risk expertise for strategic initiatives, business changes, new products, digital capabilities, authentication approaches, payment processes, policy exceptions, and material changes
- Support development, maintenance, implementation, and interpretation of the Enterprise External Fraud Risk Policy and related standards and frameworks
- Assess compliance with enterprise requirements, risk appetite, and regulatory expectations
- Prepare risk reporting, committee materials, policy reviews, risk assessments, and risk appetite monitoring
- Partner with Business Segments, Corporate Functions, Segment ORM teams, Financial Crime, Cybersecurity, Compliance, Legal, and Operational Risk Management
- Monitor industry trends, emerging fraud typologies, external threats, and regulatory developments
- Lead or support initiatives to enhance fraud risk governance, oversight capabilities, monitoring practices, and risk assessment methodologies
- Prepare actionable risk insights and recommendations for senior management and governance forums
- Report to the AVP, Fraud Risk Management
Requirements
- Undergraduate degree or equivalent professional experience
- 7+ years of experience in fraud risk management, operational risk management, enterprise risk, audit, compliance, financial crime, or a related discipline
- Strong knowledge of external fraud risks, fraud controls, fraud trends, and industry practices
- Strong understanding of Second Line of Defence oversight, effective challenge, risk governance, risk appetite, and risk management frameworks
- Demonstrated experience applying operational risk management frameworks, methodologies, and tools
- Experience with Risk and Control Self-Assessments (RCSAs), Operational Risk Profiles, Key Risk Indicators (KRIs), Issues Management, Event Management, and related operational risk programs
- Strong analytical, problem-solving, and critical-thinking skills
- Strong written and verbal communication skills, with experience preparing executive- and governance-level reporting
- Proven ability to influence stakeholders and drive outcomes across business, operational risk, and control functions without direct authority
- Demonstrated ability to work effectively in a highly matrixed environment and manage multiple priorities
- Experience supporting regulatory, audit, governance, or risk management activities within a large financial institution is an asset
Benefits
- Variable compensation
- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accommodation support during the interview process
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