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Sr Business Insights Analyst( Credit Card Fraud Strategy)

Toronto, ON
Full Time
4 days ago

Workplace Model

Pay Details

We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with your recruiter and ask compensation related questions, including pay details for this role.

Department Overview

What does TD Data & Analytics stand for? For starters, we believe in visionary leadership and insights.

We believe in the talent we grow to better serve our clients, and we know, many of the ground-breaking discoveries and products that represent the future at TD, can all be driven with data.

Job Details

This role will be responsible for developing, implementing and monitoring strategies to manage evolving fraud trends, taking into consideration TD's risk appetite and customer and operational experience. The Strategist should display a deep fraud and process expertise, and to leverage that knowledge to:

•anticipate and explain potential fraud risks associated with strategic initiatives across TD
•help design policy, process or strategic changes to enable the bank to safely deliver it's strategic roadmap
•provide deep fraud and process expertise into solving larger, Fraud-driven strategic initiatives
•identify emerging fraud trends and develop defenses against emerging and in-market fraud trends
•understand and actively managing the operational impacts of our fraud defense strategies
The successful candidate will work collaboratively with a diverse team of operational agents, Fraud solution developers, data scientists, business insights analysts and subject matter experts and applies fraud business expertise leveraging advanced tools and detection systems to manage risk appropriately. The incumbent will be accountable for loss and customer experience targets.

Fraud Management

•Accountable for fraud loss targets and the customer experience
•Reviews daily fraud attacks to create segmentation and develop/implement fraud strategies while balancing the impact to the operational teams and customer experience
•Strategizes on adjustments to shifting network rules, liability requirements or other exogenous factors
•Owns the strategy design and configuration in all fraud prevention platforms (e.g. Falcon, TSYS, FIS, SQN, PRM, Citadel, DPS, VCas, Avant, Experian, Transunion), in alignment with the Change Management protocols
•Supports case valuation and prioritization to optimize fraud management
•Are a subject matter expert on the end-to-end operational process, transaction liability and regulatory requirements
•Provide ad-hoc analysis to support decision-making at the executive level
•Design champion / challenger strategies that lead to ongoing learning and improvement
•Expected to leverage that subject matter expertise to independently investigate new, high-risk exposures under very tight timelines
•Produce timely diagnostics to identify system, strategy and operational issues
•Participates in defect analysis to identify and remediate coverage gaps
•Provides end to end fraud cycle support to all strategy teams for advanced technical builds and consultation for continuous improvement
•Identify, track, and provide solutions to ongoing fraud vectors and cross-portfolio threats
•Think forward and provide early gap mitigation to emerging threat vectors globally
Partner Support

•Works with business partners to understand new intent, and to identify the incremental fraud risks associated with that intent
•Collaborates with business partners to develop solutions that minimize fraud risk while enabling business partners to achieve bank strategic priorities
•Occasionally provides IT release support to ensure projects reliably deliver on fraud requirements
•Support the continuous improvement agenda for our operational partners
•Maintain strong relationships with internal stakeholders such as Fraud Operations, Internal Business Partners, Vendor Managers etc.
•Act as a subject matter expert and represents the team or bank at project meetings or industry forums

Job Requirements

•Undergraduate degree from a technical domain (e.g. finance, engineering, mathematics/statistics computer science), preferably from a STEM program
•2+ years' experience in an analytical capacity
•Experience using analytical software tools such as Python, R, SQL, Tableau and Excel for data analysis, automation, and reporting
•In-depth knowledge of data science tools such as NumPy, pandas, matplotlib, scikit-learn/TensorFlow/Keras or equivalent
•Understanding of machine learning methods with experience in deployment and implementation
•Experience with automation tools and proven implementation record
•Ability to quickly and independently structure and deliver on new problems not previous tackled by the bank
•Demonstrated analytical, modeling and problem solving skills
•Creative, Critical, Conceptual thinker, ability to wade through data and arrive at conclusions
•Ability to communicate strategy analysis to both technical and non-technical team members, either verbally or via documentation
•Ability to take initiative and work independently under tight timelines
•Ability to work collaboratively and build relationships
•Ability to effectively manage multiple projects and priorities simultaneously
•Motivated to constantly strive to find innovative ways to enhance capabilities

Company Overview
Our Values
At TD we're guided by our purpose is to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Making Your Well-being a Priority
A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars - physical, financial, social and mental/emotional. In addition, we champion a safe, inclusive and supportive work environment to help colleagues feel a sense of belonging, and supported in their personal and professional growth. Through our focus on total well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes ... because when colleagues feel their best, they're more likely to do their best.

Our Total Rewards Package
Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits including medical, dental, vision & mental health coverage, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

How We Work
At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they'll always have access to the TD community and experience our culture of care.

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. 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 a customer obsessed organization, and we are 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 Commitment to Diversity, Equity, and Inclusion
At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

How We're Helping Make an Impact in Communities
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!
Information Technology