Senior Risk Manager, Enterprise Allowance (3282)

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Risk Management

Pay Details:
$108,800 - $163,200 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 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:

Department Overview:

Credit Risk Reporting & Allowance coordinates and produces a wide array of analysis, reporting, and insights largely associated with the Bank's credit portfolios, executes on the allowance methodology for the Canadian non-retail portfolios, and manages the allowance governance process. The group's mandate supports a broad array of stakeholders including the Risk Management Leadership Team and their respective groups, Finance, Investor Relations, the Businesses, our regulators, and at times the SET and the Board.

Job Overview:

Reporting to the Associate Vice President, Enterprise Allowance, the Senior Risk Manager will lead enterprise-level activities to achieve consistency and effectiveness of the allowance for credit losses/forecasting processes and capabilities for the Enterprise. This role requires a strong ability to navigate accounting and regulatory requirements, understand financial reporting impacts, and effectively communicate with and influence cross-functional stakeholders.

Job Description:

• Lead the preparation of enterprise-level governance materials for the allowance and provision for credit losses (ACL/PCL) to support strategic oversight and informed decision-making by senior executives.
• Champion value-added change, such as simplifying existing processes and driving consistency across the Enterprise, wherever practical.
• Act as a shared service, supporting cross-functional stakeholders and establishing clear ownership/direction by coordinating and/or executing relevant enterprise scope deliverables.
• Build strong, collaborative relationships with internal stakeholders in Risk Management, Model Development, Finance, and TD Economics.
• Act as a trusted advisor and expert on ACL matters and execute on relevant allowance materials including in support of senior executive briefing, regulatory matters, responses to investor queries, etc.
• Keep abreast of emerging issues, trends, and regulatory requirements, ensure appropriate line of sight and recommendations to senior executives, and ease acceptance on approach from auditors and regulators.
• Maintain and enhance controls and governance frameworks, ensuring transparency, defensibility, and audit-readiness of enterprise-level processes and assumptions.
• Leverage tools such as Alteryx and Tableau to streamline data workflows, enhance automation, and produce impactful visualizations of complex data.

Requirements:

• Bachelor's or Master's degree in Finance, Accounting, Economics, or a related field; CPA, CFA, or FRM designation is a strong asset.
• Exceptional communication, relationship management, and presentation skills, with the ability to influence cross-functional stakeholders to deliver on key priorities.
• Thought leadership and strategic thinking, with the ability to balance enterprise-wide oversight and deep portfolio-level analysis.
• Professional maturity and critical thinking skills, able to ask the right questions and challenge assumptions where appropriate.
• Strong track record in governance, internal controls, and audit readiness, with exceptional attention to detail and commitment to quality.
• Highly responsive to time-sensitive requests and ad-hoc inquiries, strong sense of urgency.
• Strong organizational skills with the ability to manage multiple priorities and drive tasks to completion within deadlines.
• Deep knowledge of IFRS 9 Expected Credit Loss framework and financial reporting strongly preferred.

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 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:
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.

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 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
Your accessibility is important to us. Please let us know if you'd 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