Work Location:
Wilmington, Delaware, United States of America

Hours:
40

Line of Business:
Financial Crimes & Fraud Mgmt

Pay Detail:
$28.25 - $45.00 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.

• Serves as a subject matter expert in operational function and performs end to end activities, may serve as knowledge and process expert to others
• Requires advanced understanding of a range of product and services, processes, procedures, systems and concepts within their own area of specialty and integration points with related areas
• Applies advanced knowledge of business drivers, processes, and customers to coordinate with other related areas to improve efficiency and deliver results
• Manages ambiguity, and applies judgement to identify, troubleshoot and resolve ongoing business and operational issues
• Interprets and administers policies, adopts and implements business process improvements
• Impacts the quality, efficiency and ongoing operations of one or multiple units
• Guided by practices, procedures and operating plans, makes process and capacity management decisions to ensure ongoing operations
• Simplifies technical and process information, conveys performance expectations, handles sensitive issues
• Moderates level of complexity in operational/reporting/process and/or analysis function requiring a short to medium term focus
• May represent as a project lead on projects/initiatives and/or at meetings across the organization

• High School diploma required; Undergraduate degree preferred
• 5+ years relevant experience
• Seasoned knowledge of variety of products and services, systems, standards, procedures, laws, rules and regulations
• Knowledge of current and emerging trends
• Skilled in using analytical software tools, data analysis methods and reporting techniques
• Skilled in using computer applications including MS Office
• Ability to communicate effectively in both oral and written form
• Ability to work collaboratively, build relationships and mentor/coach others
• Ability to work successfully as a member of a team and independently
• Ability to exercise sound judgement in making decisions
• Ability to analyze, organize and prioritize work while meeting multiple deadlines
• Ability to handle confidential information with discretion

• Investigate transactions escalated by the business units for suspicious activity and works directly with partners to identify gaps that provide opportunities for TPI bad actors to infiltrate the organization.
• Evaluate current TPI activity perpetrated against the Bank and identify opportunities for enhancing the Bank's TPI defenses and processes in an effort to reduce losses.
• Ability to write code in SQL or other programming language(s) and pull application / account data from various TD systems is highly desired.
• Experience Collaborating closely with various teams such as TPI strategy team and US Fraud Management to monitor and identify or confirm trends, work out tactical solutions based on emerging TPI trends.
• End-to-end planning course of action for tactical solutions (e.g. connect with ACH risk, Payment Ops if a NACHA concern etc.) and timelines, if execution is involved.
• Ability to understand the payment space including interpretation of reversal patterns as they relate to TPI and bust outs.
• Experience meeting with the Local Operating Committee (LOC) on a weekly basis, along with the TPI strategy team, to discuss next steps on each event or escalate any operational matter as deemed fit.
• Experience participating/presenting in Monthly Executive Action Meetings in order to share TPI resolution learnings and assist on ways of improving capabilities in the long run.
• In-depth knowledge of credit card industry underwriting practices and procedures, including consumer credit and other related regulatory guidelines is preferred.
• Experience researching applicable policies, consulting with supervision in order to evaluate situations, deciding on correct responses and communicating answers to customers.
• Ordering and obtaining credit reports and other applicable credit history information.
• Experience assisting with credit card individual customer and small business applications credit decision process.
• Able to not just follow a procedure but also understand the intent of the procedure and make process improvement & recommendations accordingly.
• Displayed diligence maintaining paper trails for audit purposes.
• Ability to work in a high-volume, deadline-driven environment and possess strong interpersonal skills.

• Makes recommendations for enhancements that will create or enhance fraud detection techniques that mitigate exposure without sacrificing the customer experience
• Provides daily support to businesses/functions and Risk partners by investigating transactions escalated for lending fraud concerns
• Performs preliminary investigative duties to determine if suspicious activities are evident
• Prepares case files comprised of supporting documentation for review decision, and acts as liaison between business units and Global Security & Investigations
• Delivers fraud awareness training for newly hired and incumbent Operations support personnel
• Reviews lending policies and procedures to ensure best practice fraud-prevention and detection practices are addressed
• Creates and maintains accurate department records for all escalated cases
• Communicates investigative findings and reports to all levels of management that identify trends and exposure areas, while developing corrective actions that reduce exposure throughout the organization
• Coaches and mentors junior Fraud Agents to improve business results and minimize exposure to Fraud events
• Acts as a key resource/specialist owner or representative for own functional unit by providing deep technical subject matter expertise/analysis or operational process support
• Acts as conduit/coordinator/facilitator bringing in appropriate partners/expertise on key initiatives

• Prioritizes and manages own workload to meet SLA requirements for service and productivity
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area
• Understands and applies operating policies and procedures
• Follows internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
• Escalates non-standard or high risk activities as necessary
• Ensures documentation that is prepared/completed is accurate and properly reflects business intentions and is consistent with relevant rule/regulations
• May lead work streams by acting as a project lead/subject matter expert for small scale project/initiatives in accordance with project management methodologies
• Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
• Completes investigations - reports/escalates risk issues or process gaps identified
• Identifies and recommends opportunities to enhance productivity, effectiveness and operational efficiency
• Ensures necessary due diligence to support the accuracy of all transactions/activities
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Be knowledgeable of and complies with Bank Code of Conduct

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
• Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit
• 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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand champion for your business area/function and the bank, both internally and/or externally

• 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