Senior Manager, External Fraud Risk Oversight (Cards) (US)TD Bank • Mount Laurel, NJ, US
Senior Manager, External Fraud Risk Oversight (Cards) (US)
TD Bank • Mount Laurel, NJ, US
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job_description.job_card.job_descriptionUndergraduate 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. Knowledge of risk management environment, standards, regulations and mitigation Knowledge of current and emerging competitor and market trends Ability to contribute to strategic direction of the function and provide advice to senior leadership Skill in mentoring and coaching Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques Advanced ability to lead, plan, implement, and evaluate program / project activities to ensure completion of initiatives Ability to make an impact, influence, and achieve results with effective negotiation, problem-solving, and communication skills Skill in using computer applications including MS Office Ability to communicate effectively in both oral and written form Ability to work collaboratively and build relationships across teams and functions Ability to work successfully as a member of a team and independently Ability to exercise sound judgement in making decisions Ability to analyze, organize and prioritize work while meeting multiple deadlines Ability to handle confidential information with discretion 10+ years of fraud risk management experience with deep expertise in credit and debit card fraud typologies (application fraud, counterfeit, account takeover, synthetic identity, card-not-present, emerging payments) Strong knowledge of card fraud detection and prevention strategies, including familiarity with card network requirements and fraud programs (Visa, Mastercard, EMV, tokenization, dispute and chargeback processes) Experience overseeing fraud risks across card-related payment types and channels such as card-present transactions, card-not-present / e-commerce, digital wallets (Apple Pay, Google Pay), tokenized and contactless payments, peer-to-peer (P2P) transactions, and emerging offerings like Buy Now Pay Later (BNPL) Strong understanding of customer lifecycle risks and controls (account opening, authentication, lending, and transactions) Ability to analyze card fraud trend data and provide actionable insights to senior executives, governance committees, and regulators Experience with fraud control frameworks, monitoring routines, and issues management specific to card fraud Strong knowledge of relevant U.S. regulatory expectations (OCC, FRB, FDIC) regarding fraud oversight Strong relationship-building skills with business lines, card networks, peer banks, while maintaining independent oversight perspective Effective presentation skills, including the ability to present to regulators, executive management, and senior executive tables Thrive in an ambiguous and fast-paced environment, managing multiple deadlines and priorities Experience with establishing and continuous monitoring of KRIs specific to fraud risk Experience with issues management programs and validation of issues Leads the development and / or implementation of specific standards, policies and / or processes that identify, report on and mitigate operational (or all major) risk exposures within the business Proactively analyzes potential risks and ensures escalation of key risks to appropriate areas and / or executive review with business executive findings and action plans to mitigate and manage these risks Establishes and provides on-going analysis and reporting on operational risk and / or other major risk categories as applicable to own business or functional area, and reviews findings and action plans with business leaders to mitigate and manage key issues Coordinates and / or guides activities relating to core operational risk disciplines / programs including, Risk & Control Self-Assessment, Business Continuity Management, Outsourcing & Vendor Management, Regulatory Compliance (e.g. CDIC, AML, Privacy, IDA, CBA, SOX, Basel etc.) Supports enterprise-wide operational risk escalation, review and approval processes, data management, policies and risk assessment processes Directs the development and monitoring of Key Risk Indicators and facilitate communication and resolution of risk issues among other business segments where applicable May be accountable for managing ancillary operational risk areas (e.g. BCM / incident management, outsourcing / vendor management, fraud aggregation and assessment, Basel implementation / capital analysis, change management, Privacy, AML, LCM and other regulatory issues), in addition to core functions May be responsible for providing support for other major risk areas (e.g. Market, Credit, Reputational and / or Regulatory risks etc.) May be a point of contact for guidance in the monitoring / reporting of compliance, management, and strategic initiatives Provides broad / deep commentary in support of the development / maintenance / oversight of policies / procedures / practices, as required Adheres to enterprise frameworks or methodologies that relate to activities for our business area Ensures respective programs / policies / practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate Ensures business operations are in compliance
Senior Manager Us External Fraud Risk Oversight (Cards)
The Senior Manager US External Fraud Risk Oversight (Cards) 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. credit and debit card portfolios. 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 card fraud typologies, including application fraud, counterfeit and lost / stolen card fraud, account takeover, synthetic identity, card-not-present fraud, and emerging payments fraud.
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 card fraud controls, oversees fraud trend analysis, and challenges first-line management on strategies, rules, and tools used to manage fraud exposure. The role provides subject matter expertise on industry developments, regulatory expectations, and card network requirements, helping ensure fraud risk is managed within TD's risk appetite and with appropriate balance between fraud prevention and customer experience.
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 :
Preferred Qualifications :
Customer Accountabilities :
Shareholder Accountabilities :
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Manager Fraud Risk • Mount Laurel, NJ, US