Senior Manager, External Fraud Risk Oversight (Cards) (US)

Job description

**Work Location:**

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:**

Risk Management
**Job Description:**

The **Senior Manager – US External Fraud Risk Oversight (Cards)** plays a critical role in advancing TD’s external fraud risk oversight framework.

This role ensures strong governance, effective oversight, and credible challenge of the first line of defense across U.S. credit and debit card portfolios.

The External Fraud Risk Oversight team sits within TD's 2nd Line of Defense and is responsible for policies, standards, governance, oversight, monitoring and challenge of external fraud risk of the US (TDGUS).

This job is highly specialized requiring deep understanding of card fraud typologies, including application fraud, counterfeit and lost/stolen card fraud, account takeover, synthetic identity, card-not-present fraud, and emerging payments fraud.

The Senior Manager will provide oversight, challenge, and risk intelligence to influence business outcomes and behaviors in line with risk profile, regulatory expectations, and strategic objectives.

This role will evaluate the design and effectiveness of card fraud controls, oversees fraud trend analysis, and challenges first-line management on strategies, rules, and tools used to manage fraud exposure.

The role provides subject matter expertise on industry developments, regulatory expectations, and card network requirements, helping ensure fraud risk is managed within TD’s risk appetite and with appropriate balance between fraud prevention and customer experience.

This position requires the ability to translate fraud trends into actionable insights for senior executives, governance committees, and regulators, while balancing fraud prevention with customer experience.

**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 requirements for own work
+ Integrates knowledge of the enterprise function’s or business segment’s 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; may lead team(s) of related specialists/experts
+ Advises on execution strategy and leads the development and deployment of functional programs or initiatives within 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 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 context
+ Provides leadership guidance, makes recommendations and collaborates with business to ensure 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 technical certificate and/or
+ 10+ years relevant experience
+ Advanced knowledge of risk management governance, programs, policies, practices, operating frameworks & reporting for business supported and/or area of discipline to deliver objective guidance and independent challenge on initiatives.
+ Knowledge of risk management environment, standards, regulations and mitigation
+ Knowledge of current and emerging competitor and market trends
+ Ability to contribute to strategic direction of the function and provide advice to senior leadership
+ Skill in mentoring and coaching
+ Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques
+ Advanced ability to lead, plan, implement, and evaluate program/project activities to ensure completion of initiatives
+ Ability to make an impact, influence, and achieve results with effective negotiation, problem-solving, and communication skills
+ Skill in using computer applications including MS Office
+ Ability to communicate effectively in both oral and written form
+ Ability to work collaboratively and build relationships across teams and functions
+ 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

**Preferred Qualifications** :

+ 10+ years of fraud risk management experience with deep expertise in credit and debit card fraud typologies (application fraud, counterfeit, account takeover, synthetic identity, card-not-present, emerging payments)
+ Strong knowledge of card fraud detection and prevention strategies, including familiarity with card network requirements and fraud programs (Visa, Mastercard, EMV, tokenization, dispute and chargeback processes)
+ Experience overseeing fraud risks across card-related payment types and channels such as card-present transactions, card-not-present/e-commerce, digital wallets (Apple Pay, Google Pay), tokenized and contactless payments, peer-to-peer (P2P) transactions, and emerging offerings like Buy Now Pay Later (BNPL)
+ Strong understanding of customer lifecycle risks and controls (account opening, authentication, lending, and transactions)
+ Ability to analyze card fraud trend data and provide actionable insights to senior executives, governance committees, and regulators
+ Experience with fraud control frameworks, monitoring routines, and issues management specific to card fraud
+ Strong knowledge of relevant U.S. regulatory expectations (OCC, FRB, FDIC) regarding fraud oversight
+ Strong relationship-building skills with business lines, card networks, peer banks, while maintaining independent oversight perspective
+ Effective presentation skills, including the ability to present to regulators, executive management, and senior executive tables
+ Thrive in an ambiguous and fast-paced environment, managing multiple deadlines and priorities
+ Experience with establishing and continuous monitoring of KRIs specific to fraud risk
+ Experience with issues management programs and validation of issues

**Customer Accountabilities:**

+ Leads the development and/or implementation of specific standards, policies and/or processes that identify, report on and mitigate operational (or all major) risk exposures within the business
+ Proactively analyzes potential risks and ensures escalation of key risks to appropriate areas and/or executive review with business executive findings and action plans to mitigate and manage these risks
+ Establishes and provides on-going analysis and reporting on operational risk and/or other major risk categories as applicable to own business or functional area, and reviews findings and action plans with business leaders to mitigate and manage key issues
+ Coordinates and/or guides activities relating to core operational risk disciplines/programs including, Risk & Control Self-Assessment, Business Continuity Management, Outsourcing & Vendor Management, Regulatory Compliance (e.g. CDIC, AML, Privacy, IDA, CBA, SOX, Basel etc.)
+ Supports enterprise-wide operational risk escalation, review and approval processes, data management, policies and risk assessment processes
+ Directs the development and monitoring of Key Risk Indicators and facilitate communication and resolution of risk issues among other business segments where applicable
+ May be accountable for managing ancillary operational risk areas (e.g. BCM/incident management, outsourcing/vendor management, fraud aggregation and assessment, Basel implementation/capital analysis, change management, Privacy, AML, LCM and other regulatory issues), in addition to core functions
+ May be responsible for providing support for other major risk areas (e.g. Market, Credit, Reputational and/or Regulatory risks etc.)
+ May be a point of contact for guidance in the monitoring/reporting of compliance, management, and strategic initiatives
+ Provides broad/deep commentary in support of the development/maintenance/oversight of policies/procedures/practices, as required

**Shareholder Accountabilities:**

+ Adheres to enterprise frameworks or methodologies that relate to activities for our business area
+ Ensures 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
+ Ensures business operations are in compliance with applicable internal and external requirements ( e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
+ Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
+ Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
+ Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations and assess the effectiveness of programs/policies/practices
+ Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
+ Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues
+ Actively manages relationships within and across various business lines, corporate and/or oversight functions and ensures 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 ensures timely communication of issues/points of interest
+ Provides thought leadership and/or industry knowledge for own area of 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 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.

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**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 (http://hrportal.ehr.com/tdtotalrewards)

**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 USWAPTDO@td.com .

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.

Required Skill Profession

Other General