Associate Vice President, Audit, Credit Risk

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Audit

Pay Details:
$155,000 - $215,000 CAD

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.

Job Description:

The AVP Audit, Credit Risk will be responsible for the 3rd line of defence audit coverage for TD Bank Group's credit risk related activities across first and second line.

Reporting to the VP Audit, Canadian Business Banking, Credit Risk and Corporate Development, the AVP is a leader within Internal Audit responsible for overseeing a team of Audit professionals. The general accountabilities of this role include but are not limited to the following:

• Develop a risk-based Audit Plan for TD's credit portfolio and provide periodic reporting to governance committees including Audit Committees
• Deliver the plan evenly over the course of the year subject to approval of the TDBG Audit Committees and regulatory expectations
• Adhere to audit standards
• Recommend, support & maintain appropriate resources to execute the plan, including the requisite subject-matter expertise
• Identify all significant control gaps in coverage areas
• Provide clear, comprehensive and timely reporting on significant control matters
• Stay current on evolving regulatory expectations and industry practices and incorporate into Audit Plan and approach
• Articulate the relevance of root causes and issues across audit engagements and conduct trend analysis to determine the impact across the organization;
• Maintain strong relationships with clients, regulators and external auditors
• Represent Internal Audit on management committees and on key projects.
• Attract, develop and retain talent and maintain active pipeline for SMEs
• Provide ongoing support and ownership for IA divisional priorities such as Staff Development and Diversity & Inclusion initiatives
• Drive employee engagement
• Develop a global view of risk for noted Audit entities
• Work with all peers to ensure adequate horizontal coverage of oversight functions to support CAE Risk Governance & overall opinion to Audit Committee
• Work with peers to deliver integrated horizontal audits effectively and efficiently
• Deliver the plan evenly over the course of the year subject to approval of the TDBG Audit Committees and regulatory expectations
• Stay current on evolving regulatory expectations and industry practices and incorporate into Audit Plan and approach
• Articulate the relevance of root causes and issues across audit engagements and conduct trend analysis to determine the impact across the organization

Skills, Education & Experience:

• 10+ years leading Audit or Credit Risk Management within a regulatory environment
• Financial services industry and credit/financial risk expertise
• Passion for understanding how rapid changes in the financial services sector will impact the enterprise.
• Previous experience developing and executing on strategies in both the short and long term
• Strong people management skills; experience building and leading high performing teams
• Demonstrated relationship building and stakeholder management skills, with the ability to make things happen through the use of positive influence
• Excellent analytical skills in assessing risk, issues and challenging the status quo
• Skillful communication (written and verbal), negotiation and partnership skills to balance stakeholder input but remain objective to reach the right outcome
• Ability to stay resilient under pressure
• Strong presentation skills to facilitate working with senior management and representing the division
• Robust organizational skills with the ability to work in a fast-paced environment and manage multiple deadlines and priorities

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