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

Senior Manager Us External Fraud Risk Oversight (Cards)

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 (Tdg Us). 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