Senior Risk Management Specialist
1 week ago
Work Location:
United States of America
Hours:
40
Compensation Details:
$110,760 - $178,880 USD
TD is dedicated to ensuring fair and equitable compensation for all team members. The salary range for this position considers various factors influencing compensation decisions.
The actual base salary offered may differ based on the candidate's expertise, experience, job-related knowledge, certifications, geographic location, and specific business needs.
At TD, we prioritize career development, making it uncommon for individuals to be hired at or near the upper end of the salary range for their role.
Department:
Risk Management
Position Overview:
The Senior Risk Management Specialist is responsible for developing, analyzing, and executing diverse risk segmentation strategies, including but not limited to, underwriting decisions, credit line adjustments, exposure management, risk segmentation, and optimizing financial returns.
This role requires a comprehensive understanding of credit card profit and loss drivers and the impact of portfolio actions on the P&L.
The specialist will conduct in-depth analyses to extract insights and recommend credit risk strategies to senior leadership, ensuring that the portfolio aligns with TD Credit Card's risk appetite and complies with all regulatory requirements.
Risk analysis will involve complex data sets, including cohort time series marketing investments, decision expenses, risk-adjusted revenue, risk-adjusted margins, NPV, ROE, and more, with minimal guidance from management.
Scope of Responsibilities:
Performs functions associated with Risk Manager I
Generally recognized as an expert at the enterprise or group business level
Acts as the primary regulatory liaison on risk-related issues for a significant business segment of the Bank, assessing and guiding compliance with existing and new regulations
Collaborates with cross-functional teams beyond risk
Represents the business in corporate initiatives, identifying key risks and implications while providing direction in complex scenarios
Qualifications:
Bachelor's degree required; Graduate degree preferred or relevant progressive work experience.
10+ years of experience required.
5 years of experience in Credit Cards / Lending Risk Analytics preferred.
Familiarity with Credit Cards business and P&L dynamics preferred.
Hands-on knowledge of essential credit programs within Credit Cards, such as underwriting, line assignment, credit line increases, and decreases preferred.
Proficient in MS Office and various analytical and reporting software packages.
Experience with relational databases and knowledge of analytical/reporting tools such as Python, SAS, R, etc. preferred.
Working knowledge of credit scoring models and their application in risk management decisions preferred.
Strong academic background in Statistics, Mathematics/Sciences, Econometrics, Engineering, Business Administration, or similar fields, with excellent written and verbal communication skills.
Exceptional analytical and problem-solving abilities to interpret data and draw conclusions.
Flexibility to adapt to rapidly changing requirements.
Meticulous attention to detail with the capacity to manage multiple tasks and prioritize effectively.
Proven ability to cultivate and maintain productive relationships with peers and stakeholders.
Outstanding written and verbal communication skills.
Experienced in formulating and presenting recommendations to senior management.
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel - Occasional
International Travel - Never
Performing sedentary work - Continuous
Performing multiple tasks - Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds - Occasional
Sitting - Continuous
Standing - Occasional
Walking - Occasional
Moving safely in confined spaces - Occasional
Lifting/Carrying (under 25 lbs.) - Occasional
Lifting/Carrying (over 25 lbs.) - Never
Squatting - Occasional
Bending - Occasional
Kneeling - Never
Crawling - Never
Climbing - Never
Reaching overhead - Never
Reaching forward - Occasional
Pushing - Never
Pulling - Never
Twisting - Never
Concentrating for long periods of time - Continuous
Applying common sense to deal with problems involving standardized situations - Continuous
Reading, writing, and comprehending instructions - Continuous
Adding, subtracting, multiplying, and dividing - Continuous
About TD:
TD is a leading global financial institution and ranks as the fifth largest bank in North America by branches.
We serve over 27 million households and businesses across Canada, the United States, and globally, delivering exceptional customer experiences daily.
With more than 95,000 colleagues, we leverage our skills, talent, and creativity to support our customers and the economies we serve.
Guided by our vision to be the Better Bank, we aim to enrich the lives of our customers, communities, and colleagues.
TD is committed to being a leader in customer experience, believing that all colleagues, regardless of their role, are customer-facing.
As we expand our business and execute our strategy, we innovate to enhance customer experiences and build capabilities for the future of banking.
Whether you are an experienced banking professional or just starting your career in financial services, we are here to help you realize your potential.
Through regular leadership conversations, mentorship, and training programs, we support your career goals. As an organization, we continue to grow, and so will you.Our Total Rewards Package:
Our Total Rewards package reflects our investment in our colleagues, helping them and their families achieve their financial, physical, and mental well-being goals.
Total Rewards at TD includes base salary, variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition.
Additional Information:
We are pleased that you are considering a career with TD.
Through ongoing development conversations, training programs, and a competitive benefits plan, we are committed to providing the support our colleagues need to thrive both professionally and personally.
If you are interested in a specific career path or wish to develop certain skills, we are here to assist you in your success.
You will have regular career, development, and performance discussions with your manager, along with access to an online learning platform and various mentoring programs to help you explore future opportunities.
Whether you are passionate about assisting customers or wish to inspire and coach your colleagues, there are numerous career paths within TD, and we are dedicated to helping you identify opportunities that align with your goals.
We will provide training and onboarding sessions to ensure you have everything necessary to excel in your new role.
We will reach out to candidates of interest to schedule interviews and strive to communicate outcomes to all applicants via email or phone.
Accommodation
If you are an applicant with a disability and require accommodations to complete the application process, please reach out to the TD Bank US Workplace Accommodations Program, providing your full name, preferred contact method, and the necessary accommodation for assistance.
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.
-
Senior Risk Management Specialist
2 weeks ago
Wilmington, Delaware, United States TD Bank Full timeWork Location: United States of America Hours: 40 Pay Details: $110,760 - $166,400 USD TD is dedicated to ensuring fair and equitable compensation for all employees. The salary range for this position considers various factors that influence compensation decisions, including the candidate's skills, experience, job-related knowledge, and geographic location....
-
Senior Risk Management Specialist
2 weeks ago
Wilmington, Delaware, United States TD Bank Full timeWork Location: United States of America Hours: 40 Compensation Details: $110,760 - $166,400 USD TD is dedicated to ensuring fair and equitable compensation for all employees. The salary range for this position considers various factors influencing compensation decisions, including the candidate's skills, experience, job-related knowledge, and geographic...
-
Senior Risk Analytics Specialist
2 weeks ago
Wilmington, Delaware, United States OneMain Financial Full timeSenior Risk Analytics SpecialistLocation: Wilmington, DE (Hybrid)We are looking for an exceptional professional to become a vital member of our Risk Development team. As a Senior Risk Analytics Specialist, you will be instrumental in the execution and enhancement of credit risk strategies and models across our proprietary systems and external partnerships....
-
Senior Risk Management Officer
5 days ago
Wilmington, Delaware, United States 00002 Citibank, N.A. Full timeJob DescriptionThe Senior Risk Management Officer is a senior-level position in the USPB Forecasting & Analytics team at 00002 Citibank, N.A., responsible for developing, analyzing, and managing risk strategies, loss forecasting models, and portfolio key trends. This role requires a strategic professional who stays abreast of developments within their field...
-
Senior Credit Risk Manager
5 days ago
Wilmington, Delaware, United States Citigroup Inc Full timeJob SummaryThe Senior Credit Risk Manager is a senior-level position responsible for leading activities including credit review, credit approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to develop and manage credit risk strategies for new customer...
-
Senior Risk Management Consultant
2 weeks ago
Wilmington, Delaware, United States Capital One National Association Full timeLocation: United States of AmericaPosition: Senior Risk Management ConsultantAre you passionate about risk management and eager to contribute to a leading financial institution? As a Senior Risk Management Consultant at Capital One, you will play a pivotal role in safeguarding the organization by collaborating with various business units to identify and...
-
Credit Risk Senior Manager
2 days ago
Wilmington, Delaware, United States TD Bank Group Full timeJob Description**Job Summary**The Credit Risk Senior Manager is responsible for designing, developing, implementing, and validating various First Party Fraud & Credit Abuse strategies. These strategies include, but are not limited to, adjudication, account and exposure management, collection treatments, financial return optimization.**Key...
-
Wilmington, Delaware, United States Citibank Full timeAbout the RoleCitibank is a leading global financial institution with a strong commitment to risk management and compliance. We are seeking a highly experienced and skilled Senior Manager, Business Risk and Compliance to lead our team.Key ResponsibilitiesManage multiple teams through other managers, with a deep understanding of how each team contributes to...
-
Senior Manager of Credit Risk Strategies
2 weeks ago
Wilmington, Delaware, United States TD Bank Group Full timeWork Location: United States of America Hours: 40 Pay Details: $110,760 - $178,880 USD TD is dedicated to ensuring equitable compensation for all employees. The salary range for this position reflects various factors considered in compensation decisions, including skills, experience, job-related knowledge, and geographic location. Candidates are encouraged...
-
Wilmington, Delaware, United States Hispanic Technology Executive Council Full timeAbout the RoleWe are seeking a highly skilled and experienced Enterprise Risk Management professional to join our team at the Hispanic Technology Executive Council. As a Senior Vice President, Enterprise Risk Management, you will play a critical role in managing the credit and franchise risk of our USPB business.Key ResponsibilitiesLiaise with finance and...
-
Senior Manager of Credit Risk Strategies
1 week ago
Wilmington, Delaware, United States TD Bank Group Full timeWork Location: United States of America Hours: 40 Pay Details: $110,760 - $178,880 USD TD is dedicated to ensuring fair and equitable compensation for all employees. The salary range for this position reflects various factors that influence compensation decisions, including skills, experience, job-related knowledge, and geographic location. It is typical for...
-
Cyber Security Governance Risk Senior Specialist
2 weeks ago
Wilmington, Delaware, United States The AZEK Company Full timeSenior Cyber Security Analyst - Governance and RiskCompany OverviewThe AZEK CompanyThe AZEK Company is a leading manufacturer in the building products industry, with a strong commitment to sustainability and innovation. We specialize in creating low-maintenance, high-quality products designed to replace traditional materials, enhancing both residential and...
-
Credit Portfolio Officer
5 days ago
Wilmington, Delaware, United States Citigroup Inc Full timeJob SummaryThe Senior Credit Risk Management Leader will be responsible for leading activities including credit review, credit approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to develop and manage credit risk strategies for new customer acquisitions.Key...
-
Sanctions Risk Management Auditor
5 days ago
Wilmington, Delaware, United States Bank of America Full timeAbout the RoleWe are seeking a highly skilled Senior Auditor – Economic Sanctions to join our team at Bank of America. As a key member of our audit team, you will be responsible for performing test work during moderately complex audit activities for Lines of Business (LOBs). Your expertise will be essential in designing and executing audit tests to...
-
Senior Manager of Credit Risk Analysis
1 week ago
Wilmington, Delaware, United States TD Bank Group Full timeWork Location: United States of America Hours: 40 Pay Details: $110,760 - $178,880 USD TD is dedicated to ensuring equitable compensation for all employees. The salary range provided reflects various factors influencing compensation decisions, including candidate skills, experience, job-related knowledge, and geographic location. It is common for new hires...
-
Wilmington, Delaware, United States Citigroup Inc Full timeAbout the RoleThis is a critical leadership position within the Citigroup Inc. organization, reporting directly to the CEO of U.S. Personal Banking (USPB). The successful candidate will be responsible for managing the credit and franchise risk of the USPB business, ensuring alignment with the company's overall risk management strategy.Key...
-
Wilmington, Delaware, United States TD Bank Group Full timeJob DescriptionJob Summary:The Senior Manager, Credit Risk and Fraud Prevention will be responsible for designing, developing, implementing, and validating various strategies to prevent First Party Fraud and Credit Abuse. This role will provide essential information, interpretative and detailed analysis, and assist in implementing key fraud strategies to...
-
Senior Business Analyst, Risk Management
3 days ago
Wilmington, Delaware, United States OneMain Financial Full timeAbout the RoleWe are seeking a highly skilled Senior Business Analyst to join our Risk Management team at OneMain Financial. This role will be responsible for driving business results and strategic insights by leading and performing complex projects and quantitative analyses.Key ResponsibilitiesApply advanced use of data analytics tools, such as SAS, SQL,...
-
Lead Risk Management Strategist
2 weeks ago
Wilmington, Delaware, United States City National Bank Full timeLEAD RISK MANAGEMENT STRATEGISTWHAT IS THE OPPORTUNITY?This role will collaborate closely with the Banking and Control Officer at City National Bank, serving as a key advisor and partner to the leadership team overseeing the Risk Framework. The responsibilities will include identifying issues, designing solutions, and implementing strategies that align with...
-
Head of Forecasting and Risk Management
2 weeks ago
Wilmington, Delaware, United States 00002 Citibank, N.A. Full timeExecutive Role in Risk AnalysisThe Vice President of Risk Analytics is a pivotal executive role tasked with formulating risk management strategies, developing predictive loss models, and overseeing portfolio dynamics. This position requires collaboration with internal stakeholders to enhance CECL reserve calculations and assess portfolio health. The ideal...
