About this role
Application Deadline: 07/14/2026 Address: 55 Bloor Street West Job Family Group:Audit, Risk & Compliance Join a pioneering team shaping the future of Canadian Retail Credit Strategies. We're building next-generation, end-to-end credit solutions that span the entire lifecycle-from acquisition and account management to collections-anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) priorities. Our approach combines cutting-edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer-centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best-in-class decisioning applications, all within a high-performance, customer-focused environment. If you're passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you The Manager, Business Governance and Fraud Programs is responsible for supporting the Personal Lending and Home Financing business units in the effective design, implementation, and ongoing management of first line of defense (1LOD) programs. This role plays a critical part in strengthening governance, enhancing fraud prevention frameworks, and ensuring risks are proactively identified, assessed, and mitigated. The main focus of this position will be to deal with Issues Management Key Responsibilities Risk Management & GovernanceCollaborate with first and second line of defense teams to identify, assess, monitor, and report on risk exposures across Personal Lending and Home Financing portfolios.Support the development, enhancement, and ongoing execution of governance frameworks aligned with regulatory and internal standards. Fraud Programs & ControlsContribute to the design and continuous improvement of fraud risk management programs and controls.Monitor emerging fraud trends and risks, ensuring timely escalation and response. Issue Identification & RemediationInvestigate emerging risks and issues, coordinating timely remediation and corrective actions.Lead or support the development of policy updates, procedures, and associated change management activities. Process & Control DocumentationDocument end-to-end processes, controls, and associated risks.Conduct and maintain risk and control assessments (e.g., RCSAs), ensuring accuracy and completeness. Program & Initiative LeadershipLead and contribute to cross-functional initiatives, ensuring strong governance, stakeholder alignment, and effective execution.Drive initiatives focused on risk reduction, fraud prevention, and loss mitigation. Stakeholder CollaborationPartner with business leaders, risk, compliance, and audit teams to ensure alignment on priorities and risk management practices.Provide clear and concise reporting and insights to stakeholders and senior leadership. Develops and maintains risk decision-support strategies using analytical solutions to enable high-quality, fact-based decisions for a designated risk portfolio. Supports the development of the strategy and roadmap for data quality, data analytics, data modeling, reporting, business intelligence, and the design and development of sophisticated decision support tools.Acts as a trusted advisor to assigned business/group.Guides/assists in the identification and classification of issues; recommends action plans.Influences and negotiates to achieve business objectives.Recommends and implements solutions based on analysis of issues and implications for the business.Assists in the development of strategic plans.Identifies emerging issues and trends to inform decision-making.Researches existing or emerging requirements & related best practices to assist and develops recommendations for changes/enhancements.Helps determine business priorities and best sequence for execution of business/group strate