Senior Business Control Analyst, RESL
TD Bank Group
Toronto, Canada
11d ago

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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.

Our mandate is to deliver earnings growth, grow Money Out market share and deliver our products in a way that supports a comfortable customer experience via three distinct channels : Branch, the Mobile Mortgage Sales Specialists, and the Mortgage Broker community.

RESL Governance and Control (RESL G&C) acts as the First Line of Defence and is responsible for identifying, managing and resolving risk issues which are not within the risk appetite of business management.

Regulatory Control Testing within RESL G&C is responsible for ensuring that processes and controls are designed and working as expected, and to conduct monitoring activities to proactively manage risk.

Job Type Regular Job Status Full Time Hours Monday - Friday Business line TD Canada Trust Job Category - Primary Risk Management Job Category(s) Product Management & Development

About This Role

Reporting to the Manager, Regulatory Control Testing, this role will be responsible for first line of defense regulatory control testing for RESL, Personal Lending, Everyday Banking, and Personal Savings & Investing.

The successful candidate will :

  • Execute design and operating effectiveness control testing for Personal Banking Products (RESL, Personal Lending, Everyday Banking, and Personal Savings and Investing), including completion of high quality test working papers.
  • Develop adequate and robust control testing plans and test scripts that fully address the regulatory requirements under review, including testing completion deadlines and preparation of documentation requests.
  • Develop an excellent understanding of multiple business processes and activities, and related controls.
  • Develop, document and execute Monitoring Activities to proactively identify key issues and trends that could lead to non-
  • compliance with relevant regulatory requirements.

  • Perform reviews of control testing completed by Business Control Officers, in order to ensure all work is of high quality, and identify key issues and gaps that may exist.
  • Support the Manager in developing the annual testing plan and schedule to ensure all regulations, related controls and monitoring activities are executed within established timelines.
  • Prepare and present testing progress and testing results to management and business partners.
  • Assist in the development and preparation of reports to communicate results of control testing and monitoring activities.
  • Partner with Governance and Control, Product, Compliance, Legal and other relevant teams to discuss issues identified during monitoring and control testing activities and assess regulatory compliance risk arising from these issues.
  • Documentation and maintenance of key procedures.
  • Support a culture of risk management by identifying opportunities to strengthen and improve processes and controls.
  • Develop and maintain active and cooperative relationships with key internal and external business partners.
  • Contribute and promote positive working relationships by effectively communicating and regularly sharing information, issues / points of interest, learnings and knowledge with the team.
  • Job Requirements

  • Minimum of three years' experience in control testing, preferably in Internal Audit, External Audit, or Compliance.
  • Professional financial or accounting designation (e.g. CPA, CFA, etc) a definite asset.
  • Proven ability to assimilate and understand high volume of complex information and breaking them down into manageable parts in a systematic manner.
  • Excellent written and verbal communication skills, and the ability to communicate in a concise and straightforward manner are essential.
  • Track record of strong time management and organizational skills to meet tight deadlines, as well as flexibility to adapt to competing priorities in a fast-paced environment.
  • Demonstrated ability to learn quickly and exceed expectations with minimal supervision.
  • Independent thinker with exceptional analytical skills and strong business acumen.
  • Strong attention to detail with the ability to recognize and react to discrepancies.
  • Proactive and highly motivated with superior work ethics.
  • Strong influencing and leadership skills.
  • Demonstrated networking and partnering abilities ability to work effectively with diverse groups to identify issues and reach consensus.
  • Proficient in MSOffice, particularly Excel.
  • Inclusiveness

    At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported.

    We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve.

    If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

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