About this role
Work Location: New York, New York, United States of America
Hours: 40
Pay Details: $91,000 - $145,600 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: Risk Management Job Description:
Department Overview: This role resides within U.S. Operational Risk Management and serves as an independent second line of defense partner to the 1st Line U.S. Treasury function. The position is responsible for providing effective oversight, review, and credible challenge of Treasury risks, controls, and risk management practices across key business processes, change initiatives, and strategic activities. The successful candidate will combine strong operational risk management capabilities with Treasury business knowledge, data and reporting skills, and the ability to support emerging priorities such as AI-enabled solutions, AI agent development, and complex special projects.
The Group Risk Specialist provides a comprehensive and diverse range of risk management expertise to business leaders. Leads and supports the implementation of appropriate risk frameworks and leading related management activities to mitigate enterprise and/or business-wide risk exposures for key business segment of the Bank or functional area. May provide oversight, commentary, and recommendations based on overall strategy and industry best practices.
Depth & Scope:
Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areasIntegrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operationsInterprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or servicesActs as a technical expert/lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialistsLeads cross-functional teams or projects with significant resource requirements, risk and/or complexityIndependently manages end-to-end functional programsSolves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutionsUses sophisticated analytical thought to exercise judgement and identify solutionsImpacts the achievement of sub-function or business line objectives within the area they are accountable forWork is guided by policies and industry standards/methodsCommunicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholdersWorks autonomously as the lead and guides others within area of expertise Additional Information:
Provide independent 2LoD oversight and challenge to the 1LoD U.S. Treasury team across operational risk activities, including risk identification, control design and execution, issues management, change initiatives, and governance processes.Review and challenge Treasury risk and control assessments, including RCSAs, key indicators, operational loss/event themes, control effectiveness assessments, and remediation plans.Partner with Treasury, Risk, Compliance, Technology, Data, and other control functions to assess operational risk impacts associated with business processes, product changes, systems implementations, model or tool changes, and transformation efforts.Analyze risk trends and control performance using data-driven approaches; develop dashboards, reporting, metrics, and management information that support risk monitoring, escalation, and decision-making, using AI agents and/or other AI tools.Support the design, enhancement, and governance of reporting for senior management, risk committees, and other stakeholders, including recurring and ad hoc analyses, leveraging AI.Lead or contribute to special projects, regulatory remediation activities, process improvements, and change management efforts impacting Treasury and the broader operational risk program.Identify opportunities to improve efficiency and insight through automation, advanced analytics, AI-enabled tools, and emerging AI agent capabilities, while ensuring appropriate governance, controls, transparency, and risk management are considered. Education & Experience:
Undergraduate degree or technical certificate and/or7+ years relevant experienceAdvanced knowledge of risk management governance, programs, policies, practices, operating frameworks & reporting for business supported and/or area of disciplineKnowledge of risk management environment, standards, regulations and mitigationKnowledge of current and emerging competitor and market trendsAbility to establish goals and objectives which support the strategic planAbility to lead, plan, implement, and evaluate program/project activities to ensure completion of initiativesSkill in mentoring and coachingAdvanced skill in using analytical software tools, data analysis methods and reporting techniquesSkill in using computer applications including MS OfficeAbility to communicate effectively in both oral and written formAbility to work collaboratively and build relationships across teams and functionsAbility to work successfully as a member of a team and independentlyAbility to exercise sound judgement in making decisionsAbility to analyze, organize and prioritize work while meeting multiple deadlinesAbility to handle confidential information with discretion Preferred Qualifications:
Bachelor's degree in business, finance, accounting, economics, data analytics, information systems, or a related field; advanced degree or relevant certifications preferred.Relevant experience in Operational Risk Management, Treasury, Risk, Audit, Compliance, or a related control function within a large financial institution.Strong understanding of the three lines of defense model and demonstrated ability to provide effective independent challenge, influence stakeholders, and communicate risk themes clearly to senior audiences.Knowledge of Treasury-related activities such as liquidity, funding, cash management, interest rate risk, balance sheet management, recovery & resolution or related governance and control processes is strongly preferred.Experience working with data, reporting, and analytical tools to produce meaningful insights, trend analysis, and risk reporting; ability to translate complex information into clear business narratives.Experience managing or contributing to cross-functional projects, change initiatives, regulatory deliverables, or process transformation efforts in a fast-paced environment.Strong data acumen, including the ability to work with structured and unstructured data, identify trends, develop meaningful metrics, and support risk analytics and management reporting.Familiarity with AI, generative AI, or AI agent development concepts, including the ability to help assess use cases, support controlled adoption, and contribute to process improvement opportunities involving emerging technologies.Strong report-writing and presentation skills, with the ability to create polished materials for senior management, governance forums, and cross-functional stakeholders.Demonstrated ability to manage special projects and evolving priorities, including organizational change, remediation activities, process redesign, and ad hoc strategic support.Excellent written and verbal communication skills, strong judgment, intellectual curiosity, and the ability to work independently while collaborating effectively across functions. Customer Accountabilities:
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 businessProactively 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 risksEstablishes 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 issuesCoordinates 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 processesDirects the development and monitoring of Key Risk Indicators and facilitate communication and resolution of risk issues among other business segments where applicableMay 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 functionsMay 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 initiativesProvides broad/deep commentary in support of the development/maintenance/oversight of policies/procedures/practices, as required Shareholder Accountabilities:
Adheres to enterprise frameworks or methodologies that relate to activities for our business areaEnsures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business prioritiesConsistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriateEnsures business operations are in compliance with applicable internal and external requirements ( e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situationsConducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audienceConducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations and assess the effectiveness of programs/policies/practicesMonitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities existLeads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issuesActively manages relationships within and across various business lines, corporate and/or oversight functions and ensures alignment with enterprise and/or regulatory requirementsKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impactsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities:
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interestProvides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unitKeeps current on emerging trends/developments and grows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationshipsContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand ambassador for your business area/function and the bank, both internally and/or externally Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel - OccasionalInternational Travel - NeverPerforming sedentary work - ContinuousPerforming multiple tasks - ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds - OccasionalSitting - ContinuousStanding - OccasionalWalking - OccasionalMoving safely in confined spaces - OccasionalLifting/Carrying (under 25 lbs.) - OccasionalLifting/Carrying (over 25 lbs.) - NeverSquatting - OccasionalBending - OccasionalKneeling - NeverCrawling - NeverClimbing - NeverReaching overhead - NeverReaching forward - OccasionalPushing - NeverPulling - NeverTwisting - NeverConcentrating for long periods of time - ContinuousApplying common sense to deal with problems involving standardized situations - ContinuousReading, writing and comprehending instructions - ContinuousAdding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package
Our 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
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 Development
If 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.
If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
Interview Process We'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.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.