Analyst, Resl Governance and Control - Toronto, Canada - TD Bank

TD Bank

Verified Company

Toronto, Canada

3 weeks ago

Posted by:

Sophia Lee

beBee Recruiter

Description

425230BR

Retail Banking - Management

Toronto, ON

November 20, 2023

Hours

37.5

Workplace Model

Hybrid

Pay Details

Department Overview

Real Estate Secured Lending (RESL) within TD Canada Trust is responsible for the development and ongoing management of the Mortgage and Home Equity Secured Lines of Credit (FlexLine) products, processes, and portfolio.

RESL is a dynamic and complex business and produces one of the largest and most important Profit and Loss statements in the bank.

As part of our team, you'll have opportunities to gain foundational knowledge, skills, and specialized expertise that you can leverage throughout your TD career.

Due to our size, scale, unique distribution channels including Retail Branch, MMS, Mortgage Broker Channel, Digital and Phone Channels, and RESL's operating environment, you can also grow and advance your career over the long term within the business.

In addition, RESL has an accountability to ensure that policies, processes, and controls in place sufficiently manage risk. TDBG applies the "Three Lines of Defense" model to managing risk. Risks are owned and managed by the business (RESL) which is the first line of defense.

Control groups such as Risk Management and Compliance who have the accountability to challenge the first line make up the second line of defense.

Internal Audit is the third line of defense, providing periodic independent assessments of first
- and second-line activities.

Job Details

Conduct RESL Channel testing reviews to ensure files meet TD's policies
Conduct testing, reporting, and work activities in accordance with established standards and within target timelines.
Clearly, concisely, and effectively present results, findings, and processes.
Ensure testing reviews are completed first time right to enhance credit knowledge within all designated channels, and to improve the customer experience
Ensure credit decisions adhere to approved guidelines and are in line with RESL policies and procedures
Work to enhance the "One TD" approach by taking ownership, resolving issues at first point of contact, supporting the endtoend customer journey
Demonstrate flexibility by adapting to change within business area and unit
Adopt and support new process and technology improvements
Support a culture of Lean Continuous Improvement and encourage innovation. Provide feedback as required, to help realize and sustain the expected benefit(s) from the process change(s).
Assist with other ad hoc Governance & Controls initiatives and projects

Job Requirements

Strong time management and organizational skills with the ability to work under tight time constraints
Ability to work Strong judgment with highly developed critical reasoning skills
Excellent interpersonal and communication skills, both written and verbal
French language skills are an asset.
Previous experience in Governance and Control, Policy, Underwriting, Compliance, AML, Privacy, Operational Risk Management or Audit is an asset
Strong knowledge of RESL business, policies and procedures including controls to manage operational risk and regulatory compliance is an asset
Good Proficiency and expertise with Microsoft Office (Word, Excel, and PowerPoint)
Knowledge of RESL Systems (e.g. CLK, HOST
CIF, AWS, C3, DDV, TDMS/Broker Merlin, etc.)
Strong organizational skills, with the ability to work in an ambiguous, fastpaced environment and manage deadlines
Ability to prioritize and manage own workload to deliver quality results and meet assigned timelines

Additional Information

LI-CorporateC

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 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 and inclusive work environment so colleagues feel a sense of belonging and feel supported in their personal and professional growth.

Through our focus on 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