Sr Analyst - Fraud Defect Analysis

Location: Mount Laurel, New Jersey

Work Location

Mount Laurel, New Jersey, United States of America

Hours

40

Pay Details

$72,280 - $117,520 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

Financial Crimes & Fraud Mgmt

The Senior Analyst plays a critical role on the defect analysis team by leading end-to-end root cause analysis of fraudulent items. This role identifies what is driving defects, uncovers control gaps and improvement opportunities, and turns findings into actionable recommendations that strengthen fraud prevention and detection.

#remote

Schedule: Monday-Friday 8:00am-5:00pm EST

Depth & Scope

• Conducts analysis on customer, account and transactional data to create segmentation and develop fraud rules/strategies while balancing the impact to operational teams and the customer experience
• Accountable for loss targets and the customer experience generated by fraud strategies
• Monitors and adjusts existing detection strategies to ensure continued effectiveness
• Creates management reporting for fraud metrics, strategy performance and trends analysis
• Prepares data and reporting and informs business requirements on products/processes
• Maintains ongoing processes and data updates
• Acts as a subject matter expert and represents the team at system/project meetings as well as industry forums
• Maintains productive relationships with all internal stakeholders including Fraud Operations, Risk Management, Product, Retail, Finance as well as external vendors

Education & Experience

Bachelor's degree in a numerate discipline e.g. Math, Statistics, Business required

2-4 years or internships/co-op work experience in analytical capacity

Experience in fraud management - asset

• Proficient with data extraction/mining tools: SQL - required, Knowledge Seeker - asset, SAS - asset
• Proficient with Microsoft Office applications; Advanced Excel
• Strong communication skills and a proven ability to develop effective relationships with external and internal business partners are required
• Conceptual thinker; ability to wade through data and arrive at conclusions
• Strong interpersonal skills; comfortable interacting with team members of all levels
• Strong communication and presentation skills. Ability to communicate complex analysis into technical and non-technical terms (written and verbally)
• Ability to take initiative and work independently under tight timelines
• Strong team collaboration skills
• Ability to effectively manage multiple projects and priorities simultaneously

Customer Accountabilities

• Understands and supports the Bank's Customer Service Strategy
• Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
• Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
• Models quality service delivery at every interaction
• Leads and contributes to the ongoing improvement of the partner / Customer experience

Employee/Team Accountabilities

• Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and create an extraordinary employee experience
• Participates fully as a member of the team and contribute to a positive work environment
• May provide leadership, training, and guidance to other team members
• Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest
• Actively shares information and knowledge, and proactively learn from the expertise of others

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.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience.

TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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 [email protected]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Additional Locations: Jacksonville, Florida, Charlotte, North Carolina