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Sr Business Insights Analyst

TD Bank
Markham ON

This role will be responsible for developing, implementing and monitoring strategies to manage evolving fraud trends, taking into consideration TD’s risk appetite and customer and operational experience. The Strategist should display a deep fraud and process expertise, and to leverage that knowledge to:

• anticipate and explain potential fraud risks associated with strategic initiatives across TD
• help design policy, process or strategic changes to enable the bank to safely deliver it’s strategic roadmap
• provide deep fraud and process expertise into solving larger, Fraud-driven strategic initiatives
• identify emerging fraud trends and develop defenses against emerging and in-market fraud trends
• understand and actively managing the operational impacts of our fraud defense strategies
• Think horizontally to build and implement solutions that provide value to our Fraud Strategy teams and partners

The successful candidate will work collaboratively with a diverse team of operational agents, Fraud solution developers, data scientists, business insights analysts and subject matter experts and applies fraud business expertise leveraging advanced tools and detection systems to manage risk appropriately. The incumbent will be accountable for loss and customer experience targets.

Fraud Management
• Accountable for fraud loss targets and the customer experience
• Reviews daily fraud attacks to create segmentation and develop/implement fraud strategies while balancing the impact to the operational teams and customer experience
• Strategizes on adjustments to shifting network rules, liability requirements or other exogenous factors
• Owns the strategy design and configuration in all fraud prevention platforms (e.g. Falcon, TSYS, FIS, SQN, PRM, Citadel, DPS, VCas, Avant, Experian, Transunion), in alignment with the Change Management protocols
• Supports case valuation and prioritization to optimize fraud management
• Are a subject matter expert on the end-to-end operational process, transaction liability and regulatory requirements
• Provide ad-hoc analysis to support decision-making at the executive level
• Design champion / challenger strategies that lead to ongoing learning and improvement
• Expected to leverage that subject matter expertise to independently investigate new, high-risk exposures under very tight timelines
• Produce timely diagnostics to identify system, strategy and operational issues
• Participates in defect analysis to identify and remediate coverage gaps
• Provides end to end fraud cycle support to all strategy teams for advanced technical builds and consultation for continuous improvement
• Identify, track, and provide solutions to ongoing fraud vectors and cross-portfolio threats
• Think forward and provide early gap mitigation to emerging threat vectors globally
Partner Support
• Works with business partners to understand new intent, and to identify the incremental fraud risks associated with that intent
• Collaborates with business partners to develop solutions that minimize fraud risk while enabling business partners to achieve bank strategic priorities


• Occasionally provides IT release support to ensure projects reliably deliver on fraud requirements
• Support the continuous improvement agenda for our operational partners
• Maintain strong relationships with internal stakeholders such as Fraud Operations, Internal Business Partners, Vendor Managers etc.
• Act as a subject matter expert and represents the team or bank at project meetings or industry forums


• Undergraduate degree from a technical domain (e.g. finance, engineering, mathematics/statistics computer science), preferably from a STEM program
• 2+ years’ experience in an analytical capacity
• Experience using analytical software tools such as Python, R, SQL, Tableau and Excel for data analysis, automation, and reporting
• In-depth knowledge of data science tools such as NumPy, pandas, matplotlib, scikit-learn/TensorFlow/Keras or equivalent
• Understanding of machine learning methods with experience in deployment and implementation
• Experience with automation tools and proven implementation record
• Ability to quickly and independently structure and deliver on new problems not previous tackled by the bank
• Demonstrated analytical, modeling and problem solving skills
• Creative, Critical, Conceptual thinker, ability to wade through data and arrive at conclusions
• Ability to communicate strategy analysis to both technical and non-technical team members, either verbally or via documentation
• Ability to take initiative and work independently under tight timelines
• Ability to work collaboratively and build relationships
• Ability to effectively manage multiple projects and priorities simultaneously
• Motivated to constantly strive to find innovative ways to enhance capabilities
• Experience in fraud management is an asset
• Knowledge of machine learning is an asset
• Automation experience is an asset
• Knowledge of fraud detection platforms is an asset
• Agile experience is an asset




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TD Bank Group

TD Bank Group provides financial and banking services to millions of customers across Canada and around the world.