Senior Risk Manager, Enterprise Allowance

Key Responsibilities

• Lead the preparation of enterprise-level governance materials for the allowance and provision for credit losses (ACL/PCL) to support strategic oversight and informed decision-making by senior executives.
• Champion value-added change, such as simplifying existing processes and driving consistency across the Enterprise, wherever practical.
• Act as a shared service, supporting cross-functional stakeholders and establishing clear ownership/direction by coordinating and/or executing relevant enterprise scope deliverables.
• Build strong, collaborative relationships with internal stakeholders in Risk Management, Model Development, Finance, and TD Economics.
• Act as a trusted advisor and expert on ACL matters and execute on relevant allowance materials including in support of senior executive briefing, regulatory matters, responses to investor queries, etc.
• Keep abreast of emerging issues, trends, and regulatory requirements, ensure appropriate line of sight and recommendations to senior executives, and ease acceptance on approach from auditors and regulators.
• Maintain and enhance controls and governance frameworks, ensuring transparency, defensibility, and audit-readiness of enterprise-level processes and assumptions.
• Leverage tools such as Alteryx and Tableau to streamline data workflows, enhance automation, and produce impactful visualizations of complex data.

Qualification & Requirements

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, or a related field; CPA, CFA, or FRM designation is a strong asset.
• Exceptional communication, relationship management, and presentation skills, with the ability to influence cross-functional stakeholders to deliver on key priorities.
• Thought leadership and strategic thinking, with the ability to balance enterprise-wide oversight and deep portfolio-level analysis.
• Professional maturity and critical thinking skills, able to ask the right questions and challenge assumptions where appropriate.
• Strong track record in governance, internal controls, and audit readiness, with exceptional attention to detail and commitment to quality.
• Highly responsive to time-sensitive requests and ad-hoc inquiries, strong sense of urgency.
• Strong organizational skills with the ability to manage multiple priorities and drive tasks to completion within deadlines.
• Deep knowledge of IFRS 9 Expected Credit Loss framework and financial reporting strongly preferred.

Benefits

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:

• A base salary
• Variable compensation, and
• Several other key plans such as:
  • Health and well-being benefits
  • Savings and retirement programs
  • Paid time off
  • Banking benefits and discounts
  • Career development, and
  • Reward and recognition programs.