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

Senior Manager Us External Fraud Risk Oversight (Cards)

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 :

Preferred Qualifications :

Customer Accountabilities :

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