Td Bank Risk & Monitoring Analyst Merchant Solutions Credit Group 

Canada, Ontario, Toronto 

392075956

Toronto, Ontario, CanadaCredit Management

$59,500 - $84,000 CAD

Job Description:

Reporting to the Credit Manager, Risk Monitoring & Reporting the role is accountable for re-adjudicating existing merchant accounts that alert on monitoring reports as well as ad-hoc analysis to support compliance with Payment Card Networks ('PCN') and enterprise regulations.

Key Accountabilities:

• Ensure timely re-adjudication of merchant accounts alerting on monitoring reports. Reviews to be completed in accordance with the assigned discretionary limits and applicable credit policies.
• Use sound credit judgment to assess, analyze and present well-written, logical Merchant Risk Reviews under various monitoring programs. This involves identifying key merchant risks and contingent exposure and may involve financial statement analysis.
• Collaborate with Fraud Operations team to ensure reviews under the interaction model are completed in a timely manner and any concerns are promptly escalated.
• Identify operational issues and proactively recommend improvements and solutions to resolve issues.
• Provide statistical data and other reports to the Credit Manager and assist with the completion of the monthly reports within the required timeframes.
• Complete any ad-hoc analysis requests efficiently to ensure PCN and other regulatory compliance requirements are met and escalate any concerns to management.
• Engage in direct customer calls to obtain additional information or to communicate Credit team decisions.

Job Requirements:

• Previous experience in adjudication / credit underwriting
• A solid knowledge of KYC and due diligence requirements
• Strong risk assessment skills and outside-the-box thinking to identify and understand all potential risks
• Strong verbal and written communication skills
• Solid analytical skills and business intelligence
• Strong interpersonal skills as well as the ability to work independently
• Basic knowledge of financial statement analysis
• High proficiency in Excel and Word. Additional data query & visualization skills (SQL, Tableau etc.) would be an asset
• Previous industry experience or a detailed understanding of the payment processing dynamics would be an asset
• Previous Fraud experience would be an asset
• Undergraduate degree and/or 3-5 years relevant experience​

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.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Sans Objet