Senior Manager - Customer Risk Analysis (4665)

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Job Description:

The Senior Manager, Customer Risk Rating (CRR) - Canada is accountable for providing Canadian oversight, governance, and execution leadership for the Customer Risk Rating framework within the Know Your Customer (KYC) Program.

This role acts as the single point of accountability for Canada on CRR methodology implementation, model governance, monitoring, reference lists, and approvals, ensuring alignment with global standards while meeting Canadian regulatory, policy, and operational requirements.

The role partners closely with Global CRR teams, Model Risk Management, FCRM Monitoring, and KYC stakeholders to ensure the CRR framework is implemented, monitored, and governed effectively across Canada.

Key Accountabilities

CRR Methodology & Canadian Oversight

• Serve as the primary Canadian liaison to Global CRR methodology teams, providing Canadian input into methodology changes and enhancements.

• Lead and coordinate Canadian approvals for CRR methodology updates, including documentation, impact assessments, and governance routing.

• Maintain clarity on Canadian approval requirements, escalation paths, and decision authorities for CRR methodology changes.

Model Governance & Lifecycle Management

• Act as the Canadian accountable lead (or delegate) for CRR model governance activities, in alignment with Model Risk Management requirements.

• Oversee Canadian responsibilities related to:

  • Model validations and ongoing monitoring
  • One-Time Requests (OTRs)
  • Quarterly attestations and model inventory reviews
  • Model monitoring plans and issue tracking

• Lead governance activities related to model decommissioning or transition impacting Canada, including preparation of decision materials and coordination of approvals.

Monitoring, Issues & Risk Management

• Oversee Canadian CRR monitoring results, including trend analysis, outlier identification, root cause assessments, and remediation tracking.

• Ensure CRR-related issues are escalated and managed in accordance with Canadian governance, risk, and regulatory expectations.

• Partner with FCRM Monitoring, 1st Line, and Model Risk stakeholders to drive timely resolution of findings.

Reference Lists & Risk Inputs

• Provide Canadian oversight of CRR reference lists (e.g., industries, products, occupations, geographies), ensuring suitability for the Canadian customer base.

• Assess Canadian impacts of global reference list updates and ensure appropriate governance, communication, and implementation.

Governance, Forums & Stakeholder Management

• Represent Canada in CRR-related governance forums and committees (e.g., CRR Scoring / Rules forums, Canada KYC Program governance).

• Prepare and present Canadian CRR materials, recommendations, and decision papers for senior management and governance bodies.

• Maintain clear documentation of CRR roles, responsibilities, approvals, and decisions to support audit and regulatory expectations.

Key Relationships

• Global CRR Methodology & Analytics Teams

• Model Risk Management (as needed)

• FCRM Monitoring & Coverage (Canada)

• KYC Operations, FCI, and Business Stakeholders

• Enterprise and Canadian KYC Governance Committees

Role Scope & Complexity

• National (Canada‑wide) accountability within a highly regulated environment

• Influences enterprise‑level risk outcomes and regulatory compliance

• Operates with autonomy, escalating only material risk or policy issues

• Balances global alignment with Canadian regulatory obligations

• Requires complex judgment across risk, policy, technology, and governance domains

Qualifications & Experience

Required:

• 7-10+ years of experience in Financial Crime Risk Management, KYC, AML, Model Risk, or related risk disciplines

• Strong knowledge of KYC risk frameworks, model governance, and regulatory expectations

• Experience operating in a complex, matrixed enterprise environment

Preferred:

• Experience working with risk models, validations, or rating methodologies

• Prior exposure to regulatory interactions or audit engagements

• CAMS or similar professional certifications

Success Factors

• Demonstrates strong risk judgment and governance discipline

• Able to influence without direct authority

• Communicates complex topics clearly to senior leaders

• Proactively identifies and mitigates CRR‑related risk

• Builds effective partnerships across Global and Canadian teams

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 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. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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
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!

Language Requirement (Quebec only):
Sans Objet