Specialist, Fraud & Insider Risk Detection Strategy & Modeling Oversight (US)

Work Location :

New York, New York, United States of America

Hours : 40

Pay Details :

$95,264 - $155,376 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 :

As a member of the Bank's second line of defense, the Specialist, Fraud & Insider Risk Detection Strategy & Modeling Oversight contributes to the oversight, monitoring, and challenge of both external fraud and insider risk detection capabilities. This role supports senior leadership in assessing the design and performance of fraud strategies, rules, and models throughout the customer lifecycle, as well as internal risk controls related to IT, cybersecurity, and HR.

The Specialist collaborates with Model Risk Management and other stakeholders on activities such as model documentation, risk tiering, validation support, and change classification. The position requires working knowledge of a wide range of detection tools, including device, identity, behavioral, orchestration, and user behavior analytics (UBA / UEBA). It also requires familiarity with insider-risk monitoring such as anomaly detection, entitlement monitoring, and controls around privileged access, segregation of duties, toxic combinations, and dual controls. The Specialist assists in evaluating the effectiveness of these tools and practices while ensuring governance alignment.

This role is analytical and detail-oriented, with a focus on supporting monitoring, governance, and documentation to promote effective fraud and insider risk detection practices and alignment with regulatory expectations. The Specialist prepares clear, data-driven summaries and contributes updates for risk committees and working groups on trends, key risk indicators, and emerging threats. Additionally, the role plays a key part in preparing reporting materials, maintaining governance records, and supporting communications that translate technical insights into clear, concise narratives for senior stakeholders.

This role is developmental in nature, offering opportunities to deepen knowledge in analytics, AI / ML applications, and governance, while building cross-functional collaboration skills across HR, Cybersecurity, Audit, Risk, and Technology functions.

Depth & Scope :

Acts as a subject matter expert integrating cross function understanding within their own field of specialty

Works autonomously and accountable for acting as a lead within a specialized analytics function and may provide work direction to others

Provides seasoned specialized knowledge, advice and / or guidance to various stakeholders and team members

Expert at utilizing data sources across the organization with ability to integrate data across multiple platforms

Works effectively across multiple business units with numerous stakeholders to deliver advanced analytics solutions

Scope of role may have business segment and / or enterprise impact

General focus on broad range of complex issues that may span from medium - long term issues (e.g. 6-12 months)

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;

5+ year of relevant experience; higher degree education and research tenure can be counted.

Preferred Qualifications :

Bachelor's degree in analytics, data science, statistics, or a related field strongly preferred

Experience in fraud risk, insider threat, cybersecurity, risk management, analytics, internal audit, or investigations within financial services

Exposure to external fraud risk types such as account takeover, identity theft, first party fraud, synthetic identity, and new account fraud

Familiarity with insider risk or internal-fraud concepts such as privileged access, toxic combinations, segregation of duties, dual controls, and exception monitoring

Familiarity with fraud detection tools and techniques (e.g., device, identity, behavioral or orchestration solutions) and interest in learning how to assess model, rule, and strategy performance Exposure to monitoring tools and technologies such as UBA / UEBA, DLP, SIEM or workflow / case management systems

Demonstrated ability to support governance activities including performance monitoring, back-testing, and change governance

Strong analytical skills with proficiency in data analysis and the ability to summarize findings clearly for stakeholders

Interest in developing knowledge of AI / ML applications, model governance, and regulatory expectations in a financial services context

Effective communicator with strong written and verbal skills; comfortable preparing materials for working groups, management reporting, or regulatory readiness activities

Ability to work collaboratively across teams and functions (e.g., Fraud Strategy, HR, Cybersecurity, Audit, Model Risk Management, and Technology) to support oversight activities

Interest in developing knowledge of AI / ML applications, model governance, and regulatory expectations in a financial services context.

Customer Accountabilities :

Works closely with business management on data modelling requests / activities to ensure alignment with overall strategies

Leads the activities related to delivery of data deliverables - data package, data model, and data mappings

Responsible for reading business and technical requirements to ensure data deliverables meet business needs

Conducts walkthroughs of all data deliverables to aid approval / sign-off process with internal stakeholders

Shareholder Accountabilities :

Adheres to enterprise frameworks or methodologies that relate to activities for our business area

Ensures respective programs / policies / practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities

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, makes recommendations, assesses 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 action / remediation plans to address performance / risk / governance issues

Actively manages relationships within and across various business lines, corporate and / or control 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 ()

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.