Business Manager jobs at TD Bank - 47 jobs

Hours: 40 Pay Details: $115,440 - $186,160 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: Compliance Job Description: Why Work with Us? At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization. The Ideal Candidate The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future. Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure. Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. The Senior Compliance Business Oversight Manager manages the oversight of US Corporate Functions and provides guidance and challenge related to their Compliance Management System programs. The Senior Compliance Manager will lead important projects and functions that assist the team by providing the Business areas with objective guidance on regulatory compliance controls, processes, and implementation of Compliance programs to mitigate risk. A working knowledge or understanding regulations dealing with board meetings, records and reporting, director/officer/fiduciary duties, corporate filings, among other corporate activities is preferred. The Senior Compliance Manager will have experience in implementing and overseeing a variety of elements of a compliance program, including control mapping, risk assessments, regulatory change and monitoring and testing, as examples. * Environment conditions would include working on a laptop/computer and in office requirements of 4+days a week, travel would be limited but may be required 1-2 times a year. * Social conditions would be ability to work with colleagues and business partners in-person and virtually (our business partners range levels and locations), works well in a team but is able to independently execute on tasks when necessary; most importantly is having an individual that can pivot quickly and adapt to changing priorities. Job Summary: The Senior Compliance Business Oversight Manager provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction. 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 the requirements for own work * Integrates knowledge of the enterprise function's or business segment's overarching 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 * Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their 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 their 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 organizational context * Provides leadership guidance, makes recommendations and collaborates with business to facilitate that 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: * Undergraduate degree or equivalent work experience * 10+ years of experience Preferred skills: * Knowledge and experience within bank compliance or bank audit, legal and regulatory environment, enterprise governance framework, products and services, policies, standards, systems, reporting and training requirements * Knowledge of current and emerging trends, including regulatory expectations and standards for effective compliance management systems * Knowledge and experience with risk management environment, standards, and regulations * Ability to independently identify, assess, and escalate issues requiring senior management attention * Experience leading bank compliance-related projects with multiple stakeholders and strict deadlines * Experience presenting to management and regulators * Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements * Skill in using computer applications including MS Office * Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques Customer Accountabilities: * Proactively advises the business of new and changed Compliance regulatory and/or policy changes * Formulates relevant and meaningful data analysis, leveraging advanced modeling and analytics, and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues * Contributes to the development and implementation of Compliance programs * Guides partner through the development, implementation, oversight and management of effective Compliance Programs * Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance * Represents Compliance on internal or external committees relating to designated business activities as required * Delivers relevant subject matter expertise and Compliance advice to business management * Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices * Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis * Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate Shareholder Accountabilities: * Actively assists in developing and overseeing implementation of business line policies and Compliance Team procedures * Oversees 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 * Partners with the governance & assurance function to develop annual awareness training * Conducts enterprise wide annual risk assessment for all TD businesses * Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues * Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience * Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements * Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts * Maintains 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 promotes timely communication of issues/points of interest * Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business * Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques * Participates in personal performance management and development activities, including cross training within own team * Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities * Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices * Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships * Contributes to a fair, positive and equitable environment that supports a diverse workforce * Acts 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 - 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 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. #LI-AMCBCorporate 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Provides leadership in the design, development, and communication of long-term strategies in pursuit of business goals. Works closely with senior business and functional leaders from across the enterprise; convenes and leads teams to accomplish goals. Leads others; may directly manage staff; influences across teams. Primary Responsibilities: Lead effort to define scope/approach for Dept. initiatives. Direct and monitor resources. May be responsible on an individual basis for directing complex, critical, and highly visible projects for division. Provide analytical expertise to support dept/divisional initiatives that may include planning, design and analysis of results, presenting content at various governance functions, development of comprehensive content/materials, analysis of complex data sets, or analysis/optimization of data structures. Consider stakeholder perspectives, address objections, help develop solutions, and drive action. Interaction with senior management (internal/external) to obtain pertinent information. Responsible for directly or indirectly managing staff. May exercise usual authority of manager concerning staffing, performance management, promotions, salary recommendations, professional development of staff, and terminations. Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. Scope of Responsibilities: Leads work on behalf of the division in support of corporate goals. Supervisory/Managerial Responsibilities: May have team of up to 3-5 direct reports. Leads cross functional teams of up to 10-15. May coordinate cross divisional efforts across 30-50+ people. Education and Experience Required: Bachelor's degree and minimum of 9 years relevant work experience, or in lieu of a degree, a combined minimum of 13 years higher education and/or work experience Strong attention to detail; strong ability to lead teams; excellent project management skills Strong analytical ability and creative problem-solving skills; excellent interpersonal skills necessary for business partner relationships within and outside the organization; Strong written, and verbal communication skills; ability to communicate professionally at many different levels Self-motivated, results driven, and well organized; ability to handle multiple tasks and work under time constraints in support of various assignments Proficient with personal computers and spreadsheet, database, graphing, and presentation software Education and Experience Preferred: Bachelor's degree in Finance, Economics, Math, Accounting, Engineering, or Business Administration; MBA or advanced degree Experience with financial analysis, regulatory analysis, process analysis and technical writing. Audit or Consulting experience. Experience with long range strategic planning in a complex business; balances tactical and strategic; incorporates holistic perspective; leads research; understands customer needs; shapes strategy; curious and innovative Facilitates cross-group engagement to achieve results; demonstrates emotional intelligence; ability to adapt message; reliable and authentic Promotes change and mobilizes others; challenges assumptions and ideas; balances divergent and convergent thinking Emotional intelligence; ability to adapt; helps team stay focused on desired results Develops and engages team; resolve issues; respectful to all; ensures opinions are heard; provides unfailing support M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,900.00 - $214,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationGetzville, New York, United States of America

The Business Risk Manager will perform first line of defense holistic risk management responsibilities in support of two major Business Areas: Commercial Equipment Finance and Dealer Commercial Services teams. This position is responsible for overseeing the proactive identification, accurate assessment, and reporting of risks within these business areas, including loss events and Key Risk Indicators (KRI's). Ensure the appropriate escalation of identified issues and the timely completion of remediation plans. Build strong relationships across the Business Executive Leadership team, operational and support areas, as well as 2LOD and 3LOD. Assist the Business Risk Officer in setting direction for the department and risk policy of the organization. **Primary Responsibilities:** + Lead the planning, execution, and reporting of the business unit's first line of defense risk management function including ensuring the documentation of key processes and internal controls. Ensure the complete and proper identification and assessment of risks in the business unit's key processes in accordance with the Enterprise Risk Framework, internal guidance, and risk management professional standards. + Produce, distribute, and present First Line Risk Management reporting to Business Unit Management, internal risk working groups, and/ or 2LOD committees. Provide direct assistance/support to the First Line Risk Officer + Monitor business unit performance with respect to established key risk indicators (KRIs) and prepare comprehensive KRI reporting. + Ensure the accurate and timely completion of Risk Control Self Assessments (RCSAs) and other risk management reporting. Develop a process by which emerging risks and losses are reviewed and incorporated into the RCSAs and KRIs. + Identify emerging risks and risks associated with new products/ services/ markets/ channels or changes to existing products/ services/ markets/ channels and oversee the reporting of these risks to management and the Markets, Products and Services Risk Committee. + Ensure the effective and efficient management and reporting of issues, including remediation plans. Develop and oversee the process for identifying and reporting risk events and losses in a timely manner. Appropriately escalate identified issues to the First Line Risk Officer and business unit management. + Inform and recommend areas of focus for the business area's control design, risk-based testing, continuous monitoring programs. + Develop, implement and oversee the maintenance of risk management policies for the business unit. This includes the updating of policies in response to federal, state or business unit process changes. Respond to both internal and external requests in relation to departmental policies and procedures. + Build a working relationship with business unit executive and senior management, Internal Audit, Corporate Operational Risk and Corporate Compliance Portfolio Managers. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Scope of Responsibilities:** This position is responsible for enterprise-wide counterparty risk management oversight, including all associated responsibilities to support the office of Chief Risk Officer and to partner with cross-functional working teams to include lines of business, Credit and Finance to ensure compliance with critical regulatory requirements and achieve organization-wide risk management objectives. Interact on a broad base with executive and senior management as well as the Board of Directors. **Supervisory/ Managerial Responsibilities:** May supervise a team of 2+ specialized analysts and senior analysts. **Education and Experience Required:** Bachelor's degree in quantitative/analytical discipline (e.g., Finance, Accounting or Economics) and minimum of nine years' experience in a risk or business quantitative position including a minimum of three years' experience in credit analysis and market and macro-economic dynamics, OR in lieu of degree, A combined thirteen years' work experience and/or higher education with a minimum of three years' experience in credit analysis and market and macro-economic dynamics. Three years of experience in formulating, developing and directing cross-functional teams. Excellent verbal and written communication, cross-functional collaboration and management skills. Ability to communicate concepts/theories and develop alternative recommendations. Ability to make effective presentations to all levels of the organization. Ability to build consensus, and move projects forward despite roadblocks and competing functional priorities. **Education and Experience Preferred:** Master's degree preferred. \#LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,900.00 - $214,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

The Segment Risk Manager will have a specific focus on Cyber, Technology, Data and Transformation Risk within the Commercial Bank. This position is responsible for establishing the long-range strategic direction and ongoing operations, coordinating appropriate analytics to identify, assess and monitor risk and controls, collaborating with business partners and risk units on compliance and regulatory issues, and driving process improvements and sustainability while reducing cycle time. Additionally, this position is responsible for developing and implementing procedures that drive data informed decisions to ensure risk exposures are within the Bank's risk appetite. Responsible for understanding and applying all of the laws, regulations and supervisory guidance related to the position **Primary Responsibilities:** + Ensure a comprehensive throughout the enterprise understanding of complex compliance and regulatory requirements applicable to cyber, technology, data and transformation risk management within the banking industry. + Effectively communicate applicable requirements to cross-functional partners throughout the First Line of Defense. Partner with Business Lines, Internal Audit, Treasury Division, Credit Administration, etc. as required. + Lead the planning, execution, and reporting of the business unit's first line of defense risk management function including ensuring the documentation of key processes and internal controls. Ensure the complete and proper identification and assessment of risks in the business unit's key processes in accordance with the Enterprise Risk Framework, internal guidance, and risk management professional standards. + Identify opportunities to leverage statistical and quantitative solutions to solve business problems and improve the Bank's risk reporting and risk identification processes, particularly as it relates to cyber, technology, data and transformation risk. Develop Key Risk Indicators (KRIs) to monitor compliance to the Enterprise Risk Appetite. + Maintain an in-depth understanding of key regulatory requirements for cyber, technology, data and transformation and the enterprise risk management framework and adherence to enhanced prudential standards. + Oversee reporting to Business Unit Management, Scenario Management and internal risk committees. Provide direct assistance/support to the First Line Risk Officer + Develop and review presentation materials and risk reports with senior management and the Risk Committee of the Board of Directors. + Evaluate risk controls and identify risk deficiencies and conduct other complex independent assessment on a recurring and ad-hoc basis in support of achieving the Bank's risk management objectives and regulatory compliance. + Develop and maintain tools to enhance risk assessment activities and account for emerging risks; ensure open Internal Audit recommendations are fully resolved in a timely manner. + Assess cyber, technology, data and transformation risk and exposure aggregation processes and continuously look for ways to improve effectiveness and efficiency. + Manage and develop needs-based risk reporting for the Risk Committee of the Board to ensure their awareness of significant issues related to commercial bank cyber, technology, data and transformation risk. + Drive process improvement initiatives and work with project teams to implement changes to methodology and enhance/streamline processes to improve efficiency and sustainability. + Provide leadership, guidance and direction to staff regarding all aspects of data analysis, risk reporting, risk identification, risk policies and governance and regulatory compliance. + Maintain and develop in others knowledge on standard concepts, practices, and procedures within the risk analytics field. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Scope of Responsibilities:** + This position is responsible for Commercial Bank cyber, technology, data and transformation risk, including all associated responsibilities to support the office of Chief Risk Officer and to partner with cross-functional working teams to include lines of business, Credit and Finance to ensure compliance with critical regulatory requirements and achieve organization-wide risk management objectives. Interact on a broad base with executive and senior management as well as the Board of Directors. **Supervisory/ Managerial Responsibilities:** May supervise a team of 2+ specialized analysts and senior analysts. **Education and Experience Required:** Bachelor's degree in quantitative/analytical discipline (e.g., Finance, Accounting or Economics) and minimum of nine years' experience in a risk or business quantitative position including a minimum of three years' experience in credit analysis and market and macro-economic dynamics, OR in lieu of degree, A combined thirteen years' work experience and/or higher education with a minimum of three years' experience in credit analysis and market and macro-economic dynamics. Three years of experience in formulating, developing and directing cross-functional teams. Excellent verbal and written communication, cross-functional collaboration and management skills. Ability to communicate concepts/theories and develop alternative recommendations. Ability to make effective presentations to all levels of the organization. Ability to build consensus, and move projects forward despite roadblocks and competing functional priorities. **Education and Experience Preferred:** Master's degree preferred. \#LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,900.00 - $214,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

The Segment Risk Manager will have a specific focus on Cyber, Technology, Data and Transformation Risk within the Commercial Bank. This position is responsible for establishing the long-range strategic direction and ongoing operations, coordinating appropriate analytics to identify, assess and monitor risk and controls, collaborating with business partners and risk units on compliance and regulatory issues, and driving process improvements and sustainability while reducing cycle time. Additionally, this position is responsible for developing and implementing procedures that drive data informed decisions to ensure risk exposures are within the Bank's risk appetite. Responsible for understanding and applying all of the laws, regulations and supervisory guidance related to the position Primary Responsibilities: Ensure a comprehensive throughout the enterprise understanding of complex compliance and regulatory requirements applicable to cyber, technology, data and transformation risk management within the banking industry. Effectively communicate applicable requirements to cross-functional partners throughout the First Line of Defense. Partner with Business Lines, Internal Audit, Treasury Division, Credit Administration, etc. as required. Lead the planning, execution, and reporting of the business unit's first line of defense risk management function including ensuring the documentation of key processes and internal controls. Ensure the complete and proper identification and assessment of risks in the business unit's key processes in accordance with the Enterprise Risk Framework, internal guidance, and risk management professional standards. Identify opportunities to leverage statistical and quantitative solutions to solve business problems and improve the Bank's risk reporting and risk identification processes, particularly as it relates to cyber, technology, data and transformation risk. Develop Key Risk Indicators (KRIs) to monitor compliance to the Enterprise Risk Appetite. Maintain an in-depth understanding of key regulatory requirements for cyber, technology, data and transformation and the enterprise risk management framework and adherence to enhanced prudential standards. Oversee reporting to Business Unit Management, Scenario Management and internal risk committees. Provide direct assistance/support to the First Line Risk Officer Develop and review presentation materials and risk reports with senior management and the Risk Committee of the Board of Directors. Evaluate risk controls and identify risk deficiencies and conduct other complex independent assessment on a recurring and ad-hoc basis in support of achieving the Bank's risk management objectives and regulatory compliance. Develop and maintain tools to enhance risk assessment activities and account for emerging risks; ensure open Internal Audit recommendations are fully resolved in a timely manner. Assess cyber, technology, data and transformation risk and exposure aggregation processes and continuously look for ways to improve effectiveness and efficiency. Manage and develop needs-based risk reporting for the Risk Committee of the Board to ensure their awareness of significant issues related to commercial bank cyber, technology, data and transformation risk. Drive process improvement initiatives and work with project teams to implement changes to methodology and enhance/streamline processes to improve efficiency and sustainability. Provide leadership, guidance and direction to staff regarding all aspects of data analysis, risk reporting, risk identification, risk policies and governance and regulatory compliance. Maintain and develop in others knowledge on standard concepts, practices, and procedures within the risk analytics field. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Promote an environment that supports belonging and reflects the M&T Bank brand. Complete other related duties as assigned. Scope of Responsibilities: This position is responsible for Commercial Bank cyber, technology, data and transformation risk, including all associated responsibilities to support the office of Chief Risk Officer and to partner with cross-functional working teams to include lines of business, Credit and Finance to ensure compliance with critical regulatory requirements and achieve organization-wide risk management objectives. Interact on a broad base with executive and senior management as well as the Board of Directors. Supervisory/ Managerial Responsibilities: May supervise a team of 2+ specialized analysts and senior analysts. Education and Experience Required: Bachelor's degree in quantitative/analytical discipline (e.g., Finance, Accounting or Economics) and minimum of nine years' experience in a risk or business quantitative position including a minimum of three years' experience in credit analysis and market and macro-economic dynamics, OR in lieu of degree, A combined thirteen years' work experience and/or higher education with a minimum of three years' experience in credit analysis and market and macro-economic dynamics. Three years of experience in formulating, developing and directing cross-functional teams. Excellent verbal and written communication, cross-functional collaboration and management skills. Ability to communicate concepts/theories and develop alternative recommendations. Ability to make effective presentations to all levels of the organization. Ability to build consensus, and move projects forward despite roadblocks and competing functional priorities. Education and Experience Preferred: Master's degree preferred. #LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,900.00 - $214,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

Manage the first line of defense stablecoin, embedded banking, and digital asset risk management responsibilities specific to applications across the Commercial and Investment Banking businesses in accordance with the Enterprise Risk Framework. Oversee the proactive identification, accurate assessment and reporting of risks impacting the business, including loss events and Key Risk Indicators (KRI's). Ensure the appropriate escalation of identified issues and the timely completion of remediation plans. Primary Responsibilities: Lead the planning, execution, and reporting of the business unit's first line of defense risk management function specific to stablecoin, embedded banking, and digital asset activities, including ensuring the documentation of key processes and internal controls. Ensure the complete and proper identification and assessment of risks in the business unit's key processes in accordance with the Enterprise Risk Framework, internal guidance, and risk management professional standards. Lead the coordination of regulatory submissions to the New York State Department of Financial Services. Drive the development, execution and reporting of the business unit's risk-based testing program. Ensure control testing is performed in accordance with M&T's First Line of Defense Guidance on Management of Risks & Internal Controls and professional standards. Oversee reporting to Business Unit Management and internal risk committees. Provide direct assistance/support to the First Line Risk Officer Monitor business unit performance with respect to established key risk indicators (KRIs) and prepare comprehensive KRI reporting. Ensure the accurate and timely completion of Risk Control Self Assessments (RCSAs) and other risk management reporting. Develop a process by which emerging risks and losses are reviewed and incorporated into the RCSAs and KRIs. Identify emerging risks and risks associated with new products/ services/ markets/ channels or changes to existing products/ services/ markets/ channels and oversee the reporting of these risks to management and the Markets, Products and Services Risk Committee. Ensure the effective and efficient management and reporting of issues, including remediation plans. Develop and oversee the process for identifying and reporting risk events and losses in a timely manner. Appropriately escalate identified issues to the First Line Risk Officer and business unit management. Develop, implement and oversee the maintenance of policies for the business unit. This includes the updating of policies in response to federal, state or business unit process changes. Respond to both internal and external requests in relation to departmental policies and procedures. Provide coaching and mentoring to junior staff. Review and approve test results. Build a working relationship with business unit management, Internal Audit, Corporate Operational Risk and Corporate Compliance Portfolio Managers. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. Education and Experience Required: Bachelor's degree and a minimum of 7 years' relevant work experience, or in lieu of a degree, a combined minimum of 11 years' higher education and/or work experience, including a minimum of 7 years' relevant work experience. Prefer for candidates to have experience in BSA/AML risk, liquidity risk, and cyber risk for this role. #LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,900.00 - $214,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

Manage the first line of defense risk management responsibilities of the Commercial Regional Banking business teams in accordance with the Enterprise Risk Framework. Oversee the proactive identification, accurate assessment and reporting of risks impacting the business unit, including loss events and Key Risk Indicators (KRI's). Ensure the appropriate escalation of identified issues and the timely completion of remediation plans. Assist the Business Risk Officer in setting direction for the department and risk policy of the organization. **Primary Responsibilities:** + Lead the planning, execution, and reporting of the business unit's first line of defense risk management function including ensuring the documentation of key processes and internal controls. Ensure the complete and proper identification and assessment of risks in the business unit's key processes in accordance with the Enterprise Risk Framework, internal guidance, and risk management professional standards. + Inform and recommend areas of focus for the business area's risk-based testing program. + Oversee reporting to Business Unit Management and internal risk committees. Provide direct assistance/support to the First Line Risk Officer + Monitor business unit performance with respect to established key risk indicators (KRIs) and prepare comprehensive KRI reporting. + Ensure the accurate and timely completion of Risk Control Self Assessments (RCSAs) and other risk management reporting. Develop a process by which emerging risks and losses are reviewed and incorporated into the RCSAs and KRIs. + Identify emerging risks and risks associated with new products/ services/ markets/ channels or changes to existing products/ services/ markets/ channels and oversee the reporting of these risks to management and the Markets, Products and Services Risk Committee. + Ensure the effective and efficient management and reporting of issues, including remediation plans. Develop and oversee the process for identifying and reporting risk events and losses in a timely manner. Appropriately escalate identified issues to the First Line Risk Officer and business unit management. + Develop, implement and oversee the maintenance of risk management policies for the business unit. This includes the updating of policies in response to federal, state or business unit process changes. Respond to both internal and external requests in relation to departmental policies and procedures. + Build a working relationship with business unit management, Internal Audit, Corporate Operational Risk and Corporate Compliance Portfolio Managers. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Education and Experience Required:** Bachelor's degree and a minimum of 7 years' relevant work experience, or in lieu of a degree, a combined minimum of 11 years' higher education and/or work experience, including a minimum of 7 years' relevant work experience \#LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $107,500.00 - $179,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Manage the first line of defense risk management responsibilities of the Commercial Regional Banking business teams in accordance with the Enterprise Risk Framework. Oversee the proactive identification, accurate assessment and reporting of risks impacting the business unit, including loss events and Key Risk Indicators (KRI's). Ensure the appropriate escalation of identified issues and the timely completion of remediation plans. Assist the Business Risk Officer in setting direction for the department and risk policy of the organization. Primary Responsibilities: Lead the planning, execution, and reporting of the business unit's first line of defense risk management function including ensuring the documentation of key processes and internal controls. Ensure the complete and proper identification and assessment of risks in the business unit's key processes in accordance with the Enterprise Risk Framework, internal guidance, and risk management professional standards. Inform and recommend areas of focus for the business area's risk-based testing program. Oversee reporting to Business Unit Management and internal risk committees. Provide direct assistance/support to the First Line Risk Officer Monitor business unit performance with respect to established key risk indicators (KRIs) and prepare comprehensive KRI reporting. Ensure the accurate and timely completion of Risk Control Self Assessments (RCSAs) and other risk management reporting. Develop a process by which emerging risks and losses are reviewed and incorporated into the RCSAs and KRIs. Identify emerging risks and risks associated with new products/ services/ markets/ channels or changes to existing products/ services/ markets/ channels and oversee the reporting of these risks to management and the Markets, Products and Services Risk Committee. Ensure the effective and efficient management and reporting of issues, including remediation plans. Develop and oversee the process for identifying and reporting risk events and losses in a timely manner. Appropriately escalate identified issues to the First Line Risk Officer and business unit management. Develop, implement and oversee the maintenance of risk management policies for the business unit. This includes the updating of policies in response to federal, state or business unit process changes. Respond to both internal and external requests in relation to departmental policies and procedures. Build a working relationship with business unit management, Internal Audit, Corporate Operational Risk and Corporate Compliance Portfolio Managers. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. Education and Experience Required: Bachelor's degree and a minimum of 7 years' relevant work experience, or in lieu of a degree, a combined minimum of 11 years' higher education and/or work experience, including a minimum of 7 years' relevant work experience #LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $107,500.00 - $179,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

Mount Laurel, New Jersey, 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:** Compliance **Job Description:** **Department Overview:** **Why Work with Us?** At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization. **The Ideal Candidate** The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future. Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure. Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. **U.S. Wealth is a fully integrated wealth management business that provides products and services (designed for High-Net-Worth, Institutional and Mass Affluent clients of TD Bank, N.A. encompassing banking, custom credit, asset management, securities, investment advisory and insurance) through multiple legal entities (TD Bank N.A., TD Private Client Wealth LLC and TD Wealth Management Services Inc) with independent and complex regulatory regimes.** **The Financial Advisors, Relationship Managers, and Investment Advisors who are part of the client-facing Distribution teams are both** **securities-registered** **and insurance-licensed. Additionally, the Trust Advisors support both personal and corporate trust. The Wealth Mortgage Lending Officers (WMLO) and the Wealth Lending Advisors (WLA) who support the lending activities of Wealth Banking.** **As a member of the US Wealth Compliance Department, the Compliance Business Oversight Manager will:** + **Ensure ongoing compliance with the Investment Company Act of 1940, FINRA, SEC rules, and other applicable state and federal securities laws** + **Assist in regulatory requests and exams, and help manage responses to State, FINRA, and SEC inquiries** + **Help mitigate risk and ensure the firm meets regulatory obligations** + **Assist in the development, implementation, and maintenance of the firm's compliance policies and procedures** + **Partner with operations, technology, and business teams to ensure regulatory compliance** + **Develop and prepare compliance reports on risks and trends** + **Serve as a compliance resource across the firm and represent the department on cross-functional meetings, initiatives, forums and committees** + **Identify departmental risks and contribute to strategic planning** + **Oversee business case initiatives and compliance-related technology requests** + **Provide training to the field on various regulatory topics, including onboarding new hire training** + **Delivers relevant subject matter expertise and Compliance advice to business management** + **Monitor changes in applicable laws and regulations and advise senior management on potential impacts and required actions** + **Conduct periodic compliance testing, surveillance, and risk assessments in line with the firm's compliance program** + **Provide backup support to other areas of the US Wealth Compliance team** + **Participate in other initiatives as needed** **Job Summary:** The **Compliance Administration Oversight & Reporting Manager** ensures regulatory adherence and risk management within our bank. This role oversees compliance monitoring, reporting, and governance processes, collaborating with cross-functional teams to enhance transparency and decision-making. A strong background in regulatory compliance management, risk, or audit within the banking sector and ability to thrive in a dynamic environment is critical to this role. **Depth & Scope:** + Works independently and is accountable for managing a specialized Compliance function or area + Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates + Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise + Provides guidance and support to analysts on matters related to portfolio and specialty + Typically a subject matter expert for a key functional Compliance area and business + Contact for business management, dealing with non-routine information + Manages/assists with regulatory reviews including inquiries, audits, and exams + Identifies and leads problem resolution for project/program complex requirements related issues at all levels **Education & Experience:** + Undergraduate degree or equivalent work experience + 7+ years of experience **Preferred Background & Experience** + **Experience working in an integrated wealth business as a bank subsidiary, a focus on securities investment management and fiduciary activities, state insurance regulatory requirements and securities regulatory requirements for activities involving the recommendation or sale of non-deposit investment products (NDIP) to retail bank customers is preferred.** + **Knowledge and experience within compliance or audit, legal and regulatory environment, enterprise governance framework, products and services, policies, standards, systems, reporting and training requirements a plus.** + **Knowledge of current and emerging trends, including broker-dealer and RIA regulatory expectations and standards for effective compliance management systems.** + **Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements.** + **Skill in using computer applications including MS Office Suite, including PowerPoint, Excel, OneDrive, Teams.** + **Ability to independently identify, assess, and escalate issues requiring senior management attention.** + **Experience conducting annual compliance assessments under 206-4(7) and FINRA 3130.** + **Demonstrated business writing abilities.** + **Experience writing policies, policy guidance, procedures, and training.** + **Experience responding to client complaints within a bank or broker-dealer.** + **Experience reviewing and providing guidance on advertising and marketing materials for a broker-dealer/bank.** + **FINRA Series 7, 63 and 24 preferred.** **Customer Accountabilities:** + Proactively advises the business of new and changed Compliance regulatory and/or policy changes + Formulates relevant and meaningful insights from data analysis and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues + Contributes to the development and implementation of Compliance programs + Guides partner through the development, implementation, oversight and management of effective Compliance Programs + Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance + Represents Compliance on internal or external committees relating to designated business activities as required + Delivers relevant subject matter expertise and Compliance advice to business management + Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices + Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis + Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate **Shareholder Accountabilities:** + Actively assists in developing Compliance Team procedures + Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment Framework + Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion + Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate + May provide review and content in the development of annual awareness training + Manages the risk assessment process for assigned businesses + Protects the interests of the organization, our customers and our communities - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues + Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience + Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Maintains 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 promotes timely communication of issues/points of interest + Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices + Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts 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 - 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 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. \#LI-AMCBCorporate **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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $115,440 - $186,160 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:** Compliance **Job Description:** **Why Work with Us?** At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization. **The Ideal Candidate** The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future. Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure. Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. **The Senior Compliance Business Oversight Manager manages the oversight of US Corporate Functions and provides guidance and challenge related to their Compliance Management System programs. The Senior Compliance Manager will lead important projects and functions that assist the team by providing the Business areas with objective guidance on regulatory compliance controls, processes, and implementation of Compliance programs to mitigate risk** **. A working knowledge or understanding regulations dealing with board meetings, records and reporting, director/officer/fiduciary duties, corporate filings, among other corporate activities is preferred.** **The Senior Compliance Manager will have experience in implementing and overseeing a variety of elements of a compliance program, including control mapping, risk assessments, regulatory change and monitoring and testing, as examples.** + **Environment conditions would include working on a laptop/computer and in office requirements of 4+days a week, travel would be limited but may be required 1-2 times a year.** + **Social conditions would be ability to work with colleagues and business partners in-person and virtually (our business partners range levels and locations), works well in a team but is able to independently execute on tasks when necessary; most importantly is having an individual that can pivot quickly and adapt to changing priorities.** **Job Summary:** The Senior Compliance Business Oversight Manager provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction. **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 the requirements for own work + Integrates knowledge of the enterprise function's or business segment's overarching 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 + Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their 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 their 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 organizational context + Provides leadership guidance, makes recommendations and collaborates with business to facilitate that 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:** + Undergraduate degree or equivalent work experience + 10+ years of experience **Preferred skills:** + **Knowledge and experience within bank compliance or bank audit, legal and regulatory environment, enterprise governance framework, products and services, policies, standards, systems, reporting and training requirements** + **Knowledge of current and emerging trends, including regulatory expectations and standards for effective compliance management systems** + **Knowledge and experience with risk management environment, standards, and regulations** + **Ability to independently identify, assess, and escalate issues requiring senior management attention** + **Experience leading bank compliance-related projects with multiple stakeholders and strict deadlines** + **Experience presenting to management and regulators** + **Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements** + **Skill in using computer applications including MS Office** + **Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques** **Customer Accountabilities:** + Proactively advises the business of new and changed Compliance regulatory and/or policy changes + Formulates relevant and meaningful data analysis, leveraging advanced modeling and analytics, and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues + Contributes to the development and implementation of Compliance programs + Guides partner through the development, implementation, oversight and management of effective Compliance Programs + Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance + Represents Compliance on internal or external committees relating to designated business activities as required + Delivers relevant subject matter expertise and Compliance advice to business management + Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices + Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis + Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate **Shareholder Accountabilities:** + Actively assists in developing and overseeing implementation of business line policies and Compliance Team procedures + Oversees 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 + Partners with the governance & assurance function to develop annual awareness training + Conducts enterprise wide annual risk assessment for all TD businesses + Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues + Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience + Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Maintains 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 promotes timely communication of issues/points of interest + Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices + Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts 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 - 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 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. \#LI-AMCBCorporate **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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Hours: 40 Pay Details: $115,440 - $186,160 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: Compliance : Why Work with Us? At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization. The Senior Compliance Business Oversight Manager - Consumer Deposits will provide compliance advisory support and manage compliance risk across payment products ensuring they comply with US consumer protection laws and regulatory expectations. This role will oversee, challenge and advise the business on compliance risks, ensuring issues are identified, escalating and remediated and support the fraud team as it relates to consumer deposits. Responsibilities will include issues management, ongoing monitoring, policy reviews, communications, and complaints management to ensure regulatory compliance and operational excellence. The ideal candidate will have experience in consumer payment products and strong knowledge of applicable regulations (e.g. Reg E, UDAAP, Reg Z, Reg V, DD and CFPB guidelines) and experience reviewing and approving policies and procedures, issues management, ongoing monitoring, and complaints management. The above details are specific to the role which is outlined in the general summary below. Please review Desired Skills and Experience as you are considering this role. Job Description Summary The Senior Compliance Business Oversight Manager provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction. 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 the requirements for own work * Integrates knowledge of the enterprise function's or business segment's overarching 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 * Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their 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 their 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 organizational context * Provides leadership guidance, makes recommendations and collaborates with business to facilitate that 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: * Undergraduate degree or equivalent work experience * 10+ years of experience Desired Skills & Experience: * Proficient in compliance related to consumer deposit regulations * Extensive understanding of consumer banking laws and relevant regulations that govern deposit and payment products, fraud, and back office operations (such as Reg E, UDAAP, Reg Z, Reg V, DD, and CFPB guidelines) * Experience reviewing and approving policies and procedures, issues management, ongoing monitoring, and complaints management. * Experience managing teams Customer Accountabilities: * Proactively advises the business of new and changed Compliance regulatory and/or policy changes * Formulates relevant and meaningful data analysis, leveraging advanced modeling and analytics, and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues * Contributes to the development and implementation of Compliance programs * Guides partner through the development, implementation, oversight and management of effective Compliance Programs * Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance * Represents Compliance on internal or external committees relating to designated business activities as required * Delivers relevant subject matter expertise and Compliance advice to business management * Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices * Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis * Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate Shareholder Accountabilities: * Actively assists in developing and overseeing implementation of business line policies and Compliance Team procedures * Oversees 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 * Partners with the governance & assurance function to develop annual awareness training * Conducts enterprise wide annual risk assessment for all TD businesses * Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues * Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience * Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements * Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts * Maintains 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 promotes timely communication of issues/points of interest * Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business * Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques * Participates in personal performance management and development activities, including cross training within own team * Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities * Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices * Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships * Contributes to a fair, positive and equitable environment that supports a diverse workforce * Acts 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 - 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 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. #LI-AMCBCorporate 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Hours: 40 Line of Business: TD Securities Pay Detail: $110,000 - $130,000 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. Job Description: Preferred Qualifications: Global Payment and Deposit Solutions (GPDS) builds and transforms the operating model and infrastructure capabilities that support the Payments and Deposit Services of TD Securities. Our mission is 'To Deliver World Class Service' to all internal and external clients as we place a focus on people, processes, and controls. To achieve this, we need great people that are innovative, customer-focused and have a continuous improvement mindset along with strong knowledge of payments and deposits. GPDS is a rapidly evolving and dynamic team and for highly motivated professionals looking to make an impact. We are looking for individuals who will help us shape the Future of Payments for TD and continue to build TD's presence and influence within the industry. We are responsible for the delivery of TD's Payment Modernization Program including regulatory, cybersecurity, payment products, SWIFT, and Correspondent Banking Services related projects for TD's global footprint. Our projects are designed to deliver the future of payments, including innovative business services, data models, and best in class technology infrastructures that support over $5 Trillion (and rapidly growing) worth of payments daily. Position Overview: This position is for a Business Application Owner in our Payment and Deposits Solutions team and requires subject matter expertise in payment & deposits product domains and substantial knowledge in product capability ownership. The candidate will be responsible for specialized product development of payment and deposits capabilities using Agile/Scrum methodologies. This will be accomplished by integrating knowledge of how Payments and Deposits functions deliver outcomes for multiple business areas at leading financial institutions. The role involves interpreting business challenges, recommending development opportunities, leading cross-functional projects, and developing new solutions. Effective communication, stakeholder management, and ability to build alignment with senior management are essential. Job / Role Responsibilities: Product & Capability Ownership: * Identify, document, and validate current state processes and support stakeholders to design the desired future state target operating model (TOM); provide recommendations and/or direction based on the end-to-end customer experience when making decisions. * Lead, analyze, document, and manage requirements with stakeholders by applying a variety of techniques to probe, elicit, challenge, understand, and gain consensus on requirements. * Prioritize requirements based on inputs from Business Stakeholders & understanding of broader Roadmap priorities for business outcomes. * Empowered to make delivery decisions and assess/mitigate/manage risks. * Manage end-to-end traceability from business goals to business rules and features, epics, user stories, and test cases. * Drive the team to plan and execute regular Business Stakeholder Demos for completed product increments to demonstrate progress and gather feedback; includes compiling and sharing of team performance metrics. * Plan for people & process changes, coordinate with impacted stakeholders, and execute change plans (i.e., documentation, socialization, communications, training). Modern Way of Working: * Employ Agile, Product Owner mindset, Shift Left testing methodologies and best practices utilizing collaborative tools like Jira, JTMF, and Confluence to ensure projects progress in the right direction. * Keep current on emerging trends, tools, and techniques to improve product development and delivery, including best practices from Design Thinking and Lean Startup methodologies. * Contribute to a culture of innovation, actively seeking ways to enhance capability and performance efficiency. C) Leadership: Stakeholder Management: * Build and maintain productive relationships with internal and external partners, acting as an ambassador for the business area and the bank. * Effectively engage and update stakeholders, ensuring understanding of project timelines and strategic alignment with senior management. * Influence senior stakeholders and guide team members in the area of expertise, managing expectations and collaborating across teams to achieve business objectives. * Compile and communicate performance metrics to relevant stakeholders. Communication & Facilitation: * Convey complex concepts clearly, transforming information into compelling business narratives. * Effectively communicate product changes and backlog priorities to stakeholders. Critical Thinking & Problem-Solving: * Utilize critical thinking and conflict resolution skills to address complex challenges. * Recommend best practices for improving products, processes, or services. * Solve intricate problems and develop innovative solutions through sophisticated analytical thinking. Education & Experience: * Undergraduate degree required. * 3+ years relevant experience. * 3+ years in Project Management, Product Owner, Testing Practices, and/or Agile delivery experience. * Certifications such as PMP, Agile Certified Practitioner, or Scrum Product Owner (CSPO) are assets. Payment & Deposits Product & Capability Domain Knowledge: * Substantial knowledge of SWIFT messages, ISO20022, MX and MT formats. * Deep understanding of payment systems and methods such as Canada Lynx, US CHIPS, and FedWire, etc. * Knowledge of non-wire payment methods like drafts and checks. The Operations Analyst/Specialist II TDS coordinates and executes projects primarily focused on the continuous improvement of Operations and/or the attainment of organizational objectives. The Operations Analyst/Specialist II TDS assists Operations management in identifying opportunities for process improvements, analyzes options (including software, workflow changes, training needs, and procedure modification), and presents recommendations and implements change. Depth & Scope: * Performs more complex operational analysis within the Loss Analytics department * Works independently and works with the Management team in making decisions on policy and procedure changes * Develops recommendation and coordinates the implementation of new procedures * Disseminates analyzed findings and makes recommendations to Management pertaining to system configurations and/or process changes * Manages through to completion on assigned projects including identifying project requirements, gathering information, developing an approach, executing the project and ensuring communication occurs across functional areas * Projects could involve standardization, conversion, productivity, service quality or other strategic issues or documentation related to these areas * Leads capacity analysis for Fraud software to determine appropriate staffing levels * Collects and analyzes pertinent information and data pertaining to fraud committed against TD Bank * Conducts detailed statistical analysis involving fraud loss and check card data and correlate to Fraud Management applications/processes to determine department effectiveness * Completes ad-hoc reporting and analysis requests from Management including data collection * Considered a subject matter expert for Operations processes and acts as a resource for resolving technical or operational issues * Conducts capacity analysis for Fraud software to determine appropriate staffing levels * Identifies opportunities and presents solutions for process improvements, including streamlining functions, resolving processing problems and improving service quality * Develops solutions in conjunction with work teams and management and then coordinates implementation Experience: * Bachelor's degree, or specialized training / equivalent work experience * 5+ years related experience * Successful project management skills and ability to work independently * Proven ability to relate technical solutions to operational issues * Proven verbal and written communication skills * Excellent in operating computer applications with specific focus on data retrieval and research including CMOD * Solid understanding of data analysis techniques and methodology * Proficient in Monarch, Access and Excel, proven knowledge of PowerPoint and Word Who We Are TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

New York, New York, United States of America **Hours:** 40 **Pay Details:** $135,610 - $219,890 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:** Technology Solutions **Job Description:** The Senior Manager, Insider Risk Detection Oversight, is a senior individual contributor in the first line of defense, accountable for the governance, effectiveness oversight, and program management of insider risk detection controls, including internal fraud against the firm and customers. The role ensures insider detections are analytically sound, well-governed, and operating within risk appetite, while coordinating end-to-end execution across analytics, investigations, technology, HR, Legal, and Compliance. While oversight and control stewardship are the primary focus, the role selectively engages in hands-on data analysis and rule or model development to guide quality, consistency, and coverage for complex or emerging insider threat scenarios. **Depth & Scope:** + Works autonomously on high profile, complex and/or high risk technology projects with significant impact to the organization + Provides technical leadership / consulting / direction to a larger team / portfolio on all aspects of technology controls / information security + Foresees issues / gaps and identifies emerging industry trends (i.e. future focused) + Provides recommendations on value-added improvements / enhancements + Top technical expert individual contributor with expert knowledge of IT security and risk disciplines and practices + Advanced and highly specialized knowledge of organization, technology controls / security/ risk issues + Provides recommendations on value-added improvements / enhancements **Education & Experience:** + Bachelor's degree preferred + Information security certification / accreditation an asset + 10+ years of relevant experience **Preferred Qualifications:** + 10+ years of experience in insider risk, financial crimes, fraud, or analytics-driven risk detection programs within a regulated environment. + Strong data and analytics fluency, including experience with data mining, feature analysis, and exploratory analysis across transactional, behavioral, and access-based datasets. + Working knowledge of detection methodologies, including rules-based logic, statistical techniques, anomaly detection, and supervised or unsupervised modeling approaches. + Demonstrated ability to oversee detection programs end-to-end, including prioritization, change management, issue tracking, metric definition, and senior-management reporting. + Proficiency with analytics tools; familiarity with Python, data visualization, or graph/network analysis is preferred. + Solid understanding of data governance, model risk concepts, and responsible use of employee and consumer data. + Ability to operate independently as a senior IC, balancing analytical depth, program discipline, and cross-functional coordination. **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 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Hours: 40 Pay Details: $135,610 - $219,890 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: Technology Solutions Job Description: The Senior Manager, Insider Risk Detection Oversight, is a senior individual contributor in the first line of defense, accountable for the governance, effectiveness oversight, and program management of insider risk detection controls, including internal fraud against the firm and customers. The role ensures insider detections are analytically sound, well-governed, and operating within risk appetite, while coordinating end-to-end execution across analytics, investigations, technology, HR, Legal, and Compliance. While oversight and control stewardship are the primary focus, the role selectively engages in hands-on data analysis and rule or model development to guide quality, consistency, and coverage for complex or emerging insider threat scenarios. Depth & Scope: Works autonomously on high profile, complex and/or high risk technology projects with significant impact to the organization Provides technical leadership / consulting / direction to a larger team / portfolio on all aspects of technology controls / information security Foresees issues / gaps and identifies emerging industry trends (i.e. future focused) Provides recommendations on value-added improvements / enhancements Top technical expert individual contributor with expert knowledge of IT security and risk disciplines and practices Advanced and highly specialized knowledge of organization, technology controls / security/ risk issues Provides recommendations on value-added improvements / enhancements Education & Experience: Bachelor's degree preferred Information security certification / accreditation an asset 10+ years of relevant experience Preferred Qualifications: 10+ years of experience in insider risk, financial crimes, fraud, or analytics-driven risk detection programs within a regulated environment. Strong data and analytics fluency, including experience with data mining, feature analysis, and exploratory analysis across transactional, behavioral, and access-based datasets. Working knowledge of detection methodologies, including rules-based logic, statistical techniques, anomaly detection, and supervised or unsupervised modeling approaches. Demonstrated ability to oversee detection programs end-to-end, including prioritization, change management, issue tracking, metric definition, and senior-management reporting. Proficiency with analytics tools; familiarity with Python, data visualization, or graph/network analysis is preferred. Solid understanding of data governance, model risk concepts, and responsible use of employee and consumer data. Ability to operate independently as a senior IC, balancing analytical depth, program discipline, and cross-functional coordination. 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 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Hours: 40 Pay Details: $122,304 - $199,680 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: Analytics, Insights, & Artificial Intelligence Job Description: The Model Validation (MV) group in Enterprise Risk, Risk Management is responsible for the independent validation and approval of all analytical models used for TD. The position reports to AVP, TBSM / FCRM/ TDAM/TDI Model Validation group. Detailed accountabilities include: * Lead a team of quantitative professionals to validate Financial Crime Risk Management (FCRM) models for Trading Surveillance and Insider Risk Management * Work with team to develop an effective and efficient validation testing plan based on design of different FRCM models and complete validation in time to support various business initiatives and regulators requirements. * Supervise team's validation work to ensure capture all material & critical model limitations and execution / implementation accuracy of the validation testing. * Support team to have effective communication with different stakeholders from 1st line and in-time solve model limitations / issues to meet validation lead time target. * Work with team to deliver high quality model validation reports with adequate information and justification to support validation conclusions and Audit / regulator review / assessment of validation process and validation analysis. * Recommend the approval of the models or other corrective actions based on independent vetting and validation. * Maintain full professional knowledge of techniques and developments in FCRM modeling for Trading Surveillance and Insider Risk Management and share knowledge with business partners and senior management. * Assume a leadership role in developing standards and procedures for vetting and validation that are compliant with the Bank's internal Model Risk Policy, adhere with industry best practices, and meet regulatory requirements. * Lead and develop internal team. * Ensure performance objectives are set for internal staff and that performance feedback is provided on a regular basis. * Communicate group objectives and strategies and align team activities in support of business objectives. * Support employee development activities, coach, and support direct reports in meeting their personal development objectives. * Respond to requests from both Canadian and U.S. regulators, internal and external audit in their review/audit of risk models and vetting/validation process and procedures. Provide information and assistance as required. * Work effectively with internal model development group, Audit, and other internal partners to ensure risk models meet required Bank standards for use. Depth & Scope: * Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required * Oversees and leads a large and/or highly complex and diverse reporting function for an area of significant risk, complexity or scope * Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifies operational efficiencies and opportunities with other business management/enterprise areas * Facilitates key strategic discussions and provides thought leadership to executive audience (output may include strategic roadmap and/or deliverables/frameworks short to long term goals etc.) * Sets operational team direction and collaborates with others to execute on common goals * Focuses on longer-range planning for functional area (e.g. 12 months or greater) Education & Experience: * Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; * 7+ year of relevant experience; higher degree education and research tenure can be counted Preferred Qualifications: * Graduate's Degree preferred (e.g., computer science / engineering, statistics, math, financial engineering) with either progressive project work experience * Experience in either developing or validating FRCM models with exposure in AI / ML modelling; and Experience in managing a small team. * In-depth knowledge of FCRM modeling for Trading Surveillance and Insider Risk Management, Trading Strategy and Algorithm, and FI operations * Proficient in relevant programming language & software such as, Python, H2O.AI, Scala, etc. * Excellent verbal and written communication skills * Excellent time / project management and multitasking skills with minimal supervision. Customer Accountabilities: * Leads team of Data Modelling professionals and provides day to day direction as needed * Acts as People Manager and is responsible for ongoing coaching and development, setting objectives, assessing performance * Leads and oversees the design and delivery of enterprise analytic solutions for customers * Oversees build of complex statistical models that learn from and scale to petabytes of data * Works in a highly interactive, team-oriented environment with Big Data developers, and analytical experts * Provides analytical thought leadership and stays current on developments in data mining * May be accountable to lead team in developing powerful business insights from social marketing and industrial data using advanced machine learning techniques Shareholder Accountabilities: * Works closely with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale * Plans and executes on strategic activities, reviews and communicates results, and adjusts tactics accordingly * Executes on the annual business plan to deliver results aligned with business strategies * Manages overall budget, revenue and expenditures, meets business objectives while increasing efficiency and effectiveness * Proactively identifies key business opportunities, researches and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement * Monitors and communicates the effectiveness of strategies, programs, and practices related to own area of expertise * Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary * Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite * Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct Employee/Team Accountabilities: * Cultivates and models the Colleague Promise to support colleague growth, and a culture of care; makes an impact at work and in our communities by leading with authenticity and supporting well-being to represent TD's brand * Connects the alignment of colleague's contributions with the TD Shared Commitments * Builds and retains an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done * Demonstrates inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results * Sustains, identifies strong talent, recruits and develops a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome * Enables colleague growth by encouraging colleague development to achieve career and business objectives, ensuring timely feedback, motivating appreciation and recognition to all colleagues * Enables a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership * Fosters an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensures timely management and escalation of issues and creates opportunities to collaborate with other functions and teams * Leads team through change and creates an environment where team feels psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation * Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drives results * Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD * Fosters a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results * Manages employees in compliance with all human resources policies, procedures and guidelines of conduct 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 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. #LI-AMCBCorporate #IN-AMCBCorporate 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $122,304 - $199,680 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:** Analytics, Insights, & Artificial Intelligence **Job Description:** The Model Validation (MV) group in Enterprise Risk, Risk Management is responsible for the independent validation and approval of all analytical models used for TD. The position reports to AVP, TBSM / FCRM/ TDAM/TDI Model Validation group. Detailed accountabilities include: + Lead a team of quantitative professionals to validate Financial Crime Risk Management (FCRM) models for Trading Surveillance and Insider Risk Management + Work with team to develop an effective and efficient validation testing plan based on design of different FRCM models and complete validation in time to support various business initiatives and regulators requirements. + Supervise team's validation work to ensure capture all material & critical model limitations and execution / implementation accuracy of the validation testing. + Support team to have effective communication with different stakeholders from 1st line and in-time solve model limitations / issues to meet validation lead time target. + Work with team to deliver high quality model validation reports with adequate information and justification to support validation conclusions and Audit / regulator review / assessment of validation process and validation analysis. + Recommend the approval of the models or other corrective actions based on independent vetting and validation. + Maintain full professional knowledge of techniques and developments in FCRM modeling for Trading Surveillance and Insider Risk Management and share knowledge with business partners and senior management. + Assume a leadership role in developing standards and procedures for vetting and validation that are compliant with the Bank's internal Model Risk Policy, adhere with industry best practices, and meet regulatory requirements. + Lead and develop internal team. + Ensure performance objectives are set for internal staff and that performance feedback is provided on a regular basis. + Communicate group objectives and strategies and align team activities in support of business objectives. + Support employee development activities, coach, and support direct reports in meeting their personal development objectives. + Respond to requests from both Canadian and U.S. regulators, internal and external audit in their review/audit of risk models and vetting/validation process and procedures. Provide information and assistance as required. + Work effectively with internal model development group, Audit, and other internal partners to ensure risk models meet required Bank standards for use. **Depth & Scope:** + Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required + Oversees and leads a large and/or highly complex and diverse reporting function for an area of significant risk, complexity or scope + Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifies operational efficiencies and opportunities with other business management/enterprise areas + Facilitates key strategic discussions and provides thought leadership to executive audience (output may include strategic roadmap and/or deliverables/frameworks short to long term goals etc.) + Sets operational team direction and collaborates with others to execute on common goals + Focuses on longer-range planning for functional area (e.g. 12 months or greater) **Education & Experience:** + Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; + 7+ year of relevant experience; higher degree education and research tenure can be counted **Preferred Qualifications:** + Graduate's Degree preferred (e.g., computer science / engineering, statistics, math, financial engineering) with either progressive project work experience + Experience in either developing or validating FRCM models with exposure in AI / ML modelling; and Experience in managing a small team. + In-depth knowledge of FCRM modeling for Trading Surveillance and Insider Risk Management, Trading Strategy and Algorithm, and FI operations + Proficient in relevant programming language & software such as, Python, H2O.AI, Scala, etc. + Excellent verbal and written communication skills + Excellent time / project management and multitasking skills with minimal supervision. **Customer Accountabilities:** + Leads team of Data Modelling professionals and provides day to day direction as needed + Acts as People Manager and is responsible for ongoing coaching and development, setting objectives, assessing performance + Leads and oversees the design and delivery of enterprise analytic solutions for customers + Oversees build of complex statistical models that learn from and scale to petabytes of data + Works in a highly interactive, team-oriented environment with Big Data developers, and analytical experts + Provides analytical thought leadership and stays current on developments in data mining + May be accountable to lead team in developing powerful business insights from social marketing and industrial data using advanced machine learning techniques **Shareholder Accountabilities:** + Works closely with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale + Plans and executes on strategic activities, reviews and communicates results, and adjusts tactics accordingly + Executes on the annual business plan to deliver results aligned with business strategies + Manages overall budget, revenue and expenditures, meets business objectives while increasing efficiency and effectiveness + Proactively identifies key business opportunities, researches and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement + Monitors and communicates the effectiveness of strategies, programs, and practices related to own area of expertise + Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite + Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct **Employee/Team Accountabilities:** + Cultivates and models the Colleague Promise to support colleague growth, and a culture of care; makes an impact at work and in our communities by leading with authenticity and supporting well-being to represent TD's brand + Connects the alignment of colleague's contributions with the TD Shared Commitments + Builds and retains an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done + Demonstrates inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results + Sustains, identifies strong talent, recruits and develops a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome + Enables colleague growth by encouraging colleague development to achieve career and business objectives, ensuring timely feedback, motivating appreciation and recognition to all colleagues + Enables a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership + Fosters an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensures timely management and escalation of issues and creates opportunities to collaborate with other functions and teams + Leads team through change and creates an environment where team feels psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation + Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drives results + Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD + Fosters a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results + Manages employees in compliance with all human resources policies, procedures and guidelines of conduct **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 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. \#LI-AMCBCorporate \#IN-AMCBCorporate **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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Hours: 40 Pay Details: $124,280 - $186,160 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: Finance Job Description: The Senior Manager, Treasury Liquidity oversees a team of liquidity professionals in execution and oversight of relevant theory, reporting, methodology, controls and/or systems related to liquidity risk optimization and strategy at TD. Contributes to the development of the strategic direction of the team, considering all relevant internal and external factors. Also provides leadership, coaching, and development management to ensure results and professional/personal objectives are achieved for the overall group. Depth & Scope: * Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required. * Oversees and leads a highly complex and diverse function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results * Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise * Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices * Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management/enterprise areas * Facilitates key strategic discussions and provides thought leadership to executive audience (output includes strategic roadmap and/or deliverables/frameworks/short to long term goals etc.) * Sets operational team direction and collaborates with others to execute on common goals * Focus on longer-range planning for functional area (e.g. 12 months or greater) Education & Experience: * Undergraduate degree or equivalent work experience * 10+ years of experience Customer Accountabilities: * Provides leadership to all quantitative analysis and processes within the group to ensure the maturity of the areas is commensurate with the size and complexity of TD's businesses * Develops methodologies for stress testing based on customer and market behavior in acute stress scenarios * Develops Liquidity strategies to optimize TD US's liquidity profile * Leads the establishment of cashflow forecasting, contingency planning early warning indicators, Intraday risks and Limits for managing Liquidity Risk of the firm * Coordinates the Bank's representation to 2nd LoD auditors, and regulators * Works with product areas on evaluating major product on new and existing product offerings * Acts as subject matter expert for own area and provides guidance/advice and recommendations to support dealings with internal/external partners * Participates on internal/external committees to provide advice/counsel to business/finance partners and represents the Liquidity Risk Management of the firm * Leads ongoing reviews with 1B, 2nd line and 3rd line functions Shareholder Accountabilities: * Works with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale * Plans and executes on strategic activities, reviews and communicates results, and adjusts tactics accordingly * Executes on the annual business plan to deliver results aligned with business strategies * Proactively identifies key business opportunities, researches and recommends enhancements/modifications to programs /processes/ policies, develops strategies to achieve recommendations and works closely with team to execute and implement * Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary * Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts * Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct * Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: * Cultivates and models the Colleague Promise to support colleague growth, and a culture of care; makes an impact at work and in our communities by leading with authenticity and supporting well-being to represent TD's brand * Connects the alignment of colleague's contributions with the TD Shared Commitments * Builds and retains an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborates to move with speed and get things done * Demonstrates inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results * Sustains, identifies strong talent, recruits and develops a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome * Enables colleague growth by encouraging colleague development to achieve career and business objectives, ensuring timely feedback, motivating appreciation and recognition to all colleagues * Enables a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership * Fosters an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensures timely management and escalation of issues and creates opportunities to collaborate with other functions and teams * Leads team through change and creates an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation * Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drives results * Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD * Fosters a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results * Manages employees in compliance with all human resources policies, procedures and guidelines of conduct 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 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

New York, New York, United States of America **Hours:** 40 **Pay Details:** $124,280 - $186,160 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:** Finance **Job Description:** The Senior Manager, Treasury Liquidity oversees a team of liquidity professionals in execution and oversight of relevant theory, reporting, methodology, controls and/or systems related to liquidity risk optimization and strategy at TD. Contributes to the development of the strategic direction of the team, considering all relevant internal and external factors. Also provides leadership, coaching, and development management to ensure results and professional/personal objectives are achieved for the overall group. **Depth & Scope:** + Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required. + Oversees and leads a highly complex and diverse function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results + Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise + Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices + Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management/enterprise areas + Facilitates key strategic discussions and provides thought leadership to executive audience (output includes strategic roadmap and/or deliverables/frameworks/short to long term goals etc.) + Sets operational team direction and collaborates with others to execute on common goals + Focus on longer-range planning for functional area (e.g. 12 months or greater) **Education & Experience:** + Undergraduate degree or equivalent work experience + 10+ years of experience **Customer Accountabilities:** + Provides leadership to all quantitative analysis and processes within the group to ensure the maturity of the areas is commensurate with the size and complexity of TD's businesses + Develops methodologies for stress testing based on customer and market behavior in acute stress scenarios + Develops Liquidity strategies to optimize TD US's liquidity profile + Leads the establishment of cashflow forecasting, contingency planning early warning indicators, Intraday risks and Limits for managing Liquidity Risk of the firm + Coordinates the Bank's representation to 2nd LoD auditors, and regulators + Works with product areas on evaluating major product on new and existing product offerings + Acts as subject matter expert for own area and provides guidance/advice and recommendations to support dealings with internal/external partners + Participates on internal/external committees to provide advice/counsel to business/finance partners and represents the Liquidity Risk Management of the firm + Leads ongoing reviews with 1B, 2nd line and 3rd line functions **Shareholder Accountabilities:** + Works with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale + Plans and executes on strategic activities, reviews and communicates results, and adjusts tactics accordingly + Executes on the annual business plan to deliver results aligned with business strategies + Proactively identifies key business opportunities, researches and recommends enhancements/modifications to programs /processes/ policies, develops strategies to achieve recommendations and works closely with team to execute and implement + Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Cultivates and models the Colleague Promise to support colleague growth, and a culture of care; makes an impact at work and in our communities by leading with authenticity and supporting well-being to represent TD's brand + Connects the alignment of colleague's contributions with the TD Shared Commitments + Builds and retains an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborates to move with speed and get things done + Demonstrates inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results + Sustains, identifies strong talent, recruits and develops a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome + Enables colleague growth by encouraging colleague development to achieve career and business objectives, ensuring timely feedback, motivating appreciation and recognition to all colleagues + Enables a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership + Fosters an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensures timely management and escalation of issues and creates opportunities to collaborate with other functions and teams + Leads team through change and creates an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation + Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drives results + Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD + Fosters a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results + Manages employees in compliance with all human resources policies, procedures and guidelines of conduct **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 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $110,760 - $178,880 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:** Administration **Job Description:** The Retail Store Strategy & Transformation team leads initiatives that reshape the in-store experience across the US Retail Bank-spanning network optimization, physical layout redesign, and the shift to an advice-centered model. This role will focus on translating complex data into executive-ready materials, supporting senior leadership engagement, and bring a consultative approach to sustain cross-functional partnerships. The Strategy and Planning Senior Manager provides a diverse range of analytical research, strategic and/or operational support and acts as the representative of the executive on a broad range of matters as assigned. The position requires a highly effective communicator with expertise in providing decision support and insight to senior leaders, and discreetly managing matters that are both sensitive and highly confidential in nature. **Depth & Scope:** + Conducts research, analysis and prepares briefings, coordinating communication efforts (presentations, media relations and publicrelations), anticipating and managing both short term and longer term objectives/outcomes/initiatives and maintaining a currentunderstanding of TDBG strategies and direction + Provides expertise and supports the planning and the decision support process for a broad and diverse portfolio of activities,coordinating with a variety of internal stakeholders on behalf of the executive + Organizes and participates in management committees and/or similar forums providing necessary research, analysis andrecommendations for planning and decision support purposes on behalf of the executive + Provides the executive with an overview of key management information, discussions and/or business issues in advance of businessmeetings and events, co-ordinate follow-up on outstanding issues as required + Develops and maintains strong working relationships with leaders, business heads and partners across the business/function andother corporate functions + Ensures executive is briefed and prepared in advance of meetings and presentations; agendas and invitees assembled, pre-readmaterial prepared and distributed in consultation with TDBG executives, minutes or previous discussions prepared and distributed + Reviews/summarizes key discussions and/or business issues in advance + Identifies issues requiring research or analysis, determines solutions directly or in consultation with relevant functional/business heads,other internal/external groups as necessary, provides meaningful insight/information in response to issues/questions raised + Supports development and tracking of milestones and other performance management tools and processes - provides summaryreports on progress for executive consideration + Supports preparation and delivery of Board-level related materials, financial analysis, coordinating communication efforts, anticipatingand managing short term and longer term business/functional objectives or outcomes + Maintains strong organizational awareness and a current understanding of TDBG priorities and overall TDBG strategies and direction + Provides operational support and/or optimize on process improvement s as appropriate + Provides support to any working groups tasked with deliverables from these activities **Education & Experience:** + Bachelor's degree or equivalent experience + 7 + years of experience + Seasoned professional who can demonstrate relationship management breadth and influence in leading, planning and executing strategic initiatives + Proven track record for success having demonstrated the ability to take independent action to achieve results + Demonstrates experience in managing multiple and/or complex issues with a high level of organizational awareness + Strong relationship, interpersonal, influencing and negotiation skills + Ability to negotiate and facilitate at multiple levels within the business + Strong analysis and problem solving skills as well as proven time management and organizational capabilities + Excellent written and verbal communication skills + Organizational awareness and understanding of company's programs/polices + Familiarity with the "Project Management Methodology" having managed or participated in a multitude of projects an asset **Customer Accountabilities:** + Understands and supports the Bank's Customer Service Strategy + Considers the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholders + Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity + Leads coaches and models quality service delivery at every interaction + Supports the ongoing improvement of the partner/Customer experience **Shareholder Accountabilities:** + Represents TD at civic, professional and bank-sponsored events; serves on non-profit boards and participates on professional organizations + Represents the franchise both internally and externally; develop and maintain relationships with major clients, regulators, and the investment community and, with other TD leaders, support a high, positive public profile for the TD franchise + Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with Best Run concepts and overall enterprise strategy and objectives + Participates in establishing and executing plans and goals for the Business to drive toward results + Develops and maintains an operating budget, ensuring adherence to budget; may delegate budgetary assignments to direct reports, but maintains overall budgetary responsibility and oversight + Provides financial reports and analysis including budget variances to management on a regular basis + Communicates business strategies, programs and practices - establishes and operates change strategy throughout the organization + Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD's scale and operating model + Ensures TD is a best run, integrated, customer-focused, growth organization + Understands business unit/function's own risk appetite statement, objectives for risk and control, and measures, where applicable, making sure these are aligned with TD's Risk Appetite + Ensures that the business / function operates within TD's Risk Appetite by tracking key metrics against its policies, procedures and limits + Successfully completes all required job specific, compliance-related training and ensures team members complete all required training; understands, utilizes and follows compliance/risk and control programs + Consults with all risk functions in the development and documentation of policies, procedures and controls, for all department processes + Ensures ongoing compliance with internal / external audit and regulatory requirements; provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings; maintains appropriate records of action plans **Employee/Team Accountabilities:** + Sets appropriate context for the business unit/function to enable optimal performance and alignment to strategy + Supports the creation of goals and objectives for the business unit/function + Communicates those goals and objectives to the team + Builds capability - supports/executes plans to acquire, develop and retain the diverse teams with the skills and experience necessary to realize on current and future business strategies + Role models behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control culture + Creates an extraordinary place to work - advance and sustain a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience + Leads, coaches and develops a highly effective team by ensuring on-going training and performance and development 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 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.