Risk Manager, Credit Risk Disclosure & Analysis (3923)

The Toronto-Dominion Bank; Toronto; On-site; CAD 91,000 - 137,000; Full time

Job summary

A leading Canadian financial institution is seeking a Risk Manager to produce high-quality risk reporting materials and collaborate across various departments. The ideal candidate should have strong analytical and communication skills, combined with 7 years of experience in risk management. This full-time position will be based in Toronto, Ontario, and offers a competitive salary range of CAD 91,200 to CAD 136,800.

Benefits

Competitive salary

Health and well-being benefits

Career development programs

Qualifications

• Strong analytic communications skills including presentation capabilities.
• Professional maturity and critical thinking skills necessary for strategic communication.
• 7 years of relevant experience in risk management.

Responsibilities

• Produce high-quality presentations for external disclosure and executive consumption.
• Collaborate with key business partners to identify emerging risk areas.
• Assist leadership with analysis key messaging and communications.

Job description

Work Location :

Toronto Ontario Canada

Hours : 37.5

Line of Business : Risk Management

Pay Details : $91200 - $136800 CAD

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 candidates 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 : Department Overview

The Enterprise Credit Risk Disclosure & Analysis (CRDA) group delivers enterprise-wide analysis reporting and insights that support critical decision-making. Its work includes preparing key materials for external stakeholders (analysts regulators) the Board of Directors and the Chief Risk Officer (CRO) and Risk Management Leadership Team (RMLT) enabling effective preparation for quarterly earnings calls regulatory engagements and major line with our mandate we work closely with a broad set of stakeholders across the Enterprise including Risk Management Finance Investor Relations TD Economics Legal and the Businesses as the CRDA team plays a central role in how key Risk messaging activities are carried out throughout the year.

Job Overview

Reporting to the Senior Manager the Risk Manager is responsible for a variety of risk reporting materials with a focus on value-added insights / analysis including preparation of materials for the Board of Directors / Risk Committee of the Board CRO RMLT and Senior leadership across the organization.

This role requires a solid understanding of financial reporting the expected credit losses (ECL) framework allowance and provisions for credit losses (ACL / PCL) under IFRS 9 data transformation and visualization tools. It requires frequent interaction with executives and is well-suited for an experienced mature and strategic communicator with a high degree of initiative strong relationship management skills and a demonstrated knowledge of the businesses we support including both retail and non-retail portfolios.

Key Accountabilities

• Produce high quality presentations for external disclosure and executive consumption (such as the risk segment of the quarterly Investor Slides) including drafting key messaging commentary on risk trends key drivers portfolio variances producing peer comparisons to support CRO presentations at quarterly and ad hoc meetings / conferences (e.g. including discussions with the Board of Directors Risk Committee of the Board senior leadership etc.)
• Assist leadership with recommendations in producing analysis key messaging / communications across BAU credit risk activities as well as ad hoc analyses & portfolio deep-dives
• Collaborate with key business partners to proactively identify emerging risk areas for the Bank / industry compile supporting information by conducting internal and external research and produce presentations / communications / messaging to be referenced by the Chief Risk Officer and other stakeholders.
• Work collaboratively with stakeholders across the Enterprise including the RMLT and their respective groups to aid the preparation of the CRO for the earnings call or related events including validation of key credit metrics and drivers providing recommendations for disclosure such as MD&A investigating and solving complex issues and preparing executive level messaging
• Advanced proficiency in Excel and ability to leverage tools such as Alteryx to streamline data workflows enhance automation and produce impactful visualizations of complex data
• As a key member of the highly dynamic Credit Risk Disclosure & Analysis team the incumbent will :

Provide thought leadership industry knowledge and participate in knowledge transfer within the team and keep current on emerging trends and grow knowledge of the businesses

Lead motivate and develop relationships with internal and external stakeholders to develop productive working relationships.

Job Requirements

• Strong analytic communications (written verbal and visualizations) skills presentation skills and relationship management with the ability to solve unique and ambiguous problems with broad impact often on tight deadlines
• Organization awareness and the ability to locate analyze and synthesize complex information both quantitative and qualitative with exceptional attention to detail and commitment to quality
• Professional maturity and critical thinking skills able to ask the right questions and challenge assumptions where appropriate
• Highly responsive to time-sensitive requests and ad-hoc inquiries strong sense of urgency
• Demonstrated track record of subject matter expertise on emerging trends / developments relevant to the business including knowledge of relevant tools techniques sources
• Knowledge of credit risk management and reporting (e.g. loans borrower risk ratings probability of default loss given default)
• Undergraduate degree. A CFA CPA MBA FRM or similar designation is preferred
• 7 years relevant experience

Who We Are :

TD is one of the worlds 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 95000 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 youve 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 were 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 a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information :

Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 were committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process

Well 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

Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only) :

Sans Objet

Required Experience :

Manager

Key Skills

Arm,Risk Management,Financial Services,Cybersecurity,COSO,PCI,Root cause Analysis,COBIT,NIST Standards,SOX,Information Security,RMF

Employment Type : Full-Time

Experience : years

Vacancy : 1

Monthly Salary Salary : 91200 - 136800