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Product Owner - Financial Risk Management Banking &amp; Financial Services Consulting Chicago ABOUT US Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Learn how Cognizant helps clients lead with digital at <a href="http://www.cognizant.com" target="_blank">www.cognizant.com</a> . COGNIZANT CONSULTING Within Cognizant is Cognizant Consulting, a global consulting organization delivering strategic and domain consulting through industry and technology expertise. With over 6,000 consultants worldwide, Cognizant offers high-value consulting services that improve business performance and operational productivity, lower operational expenses and enhance overall performance. Clients draw upon our deep industry expertise, program and change management capabilities, and analytical objectivity to help improve business productivity, drive technology-enabled business transformation and increase shareholder value. We provide several Business/IT Consulting Services including Business Strategy, IT Strategy &amp; Roadmap Development, Process Re-Engineering &amp; Transformation, Enterprise Architecture &amp; Technology Selection, and Domain Solutions. The Cognizant Consulting team is a high performing organization that is continually expanding our client base and increasingly being recommended by analysts such as Forrester and Gartner. And we're growing! The Role Our BANKING &amp; FINANCIAL SERVICES CONSULTING PRACTICE group is looking for a Product Owner with experience in Financial Markets. We're looking for Product Owners who can deliver within Cognizant's Five Pillars of Consulting Excellence, which are: 1) Project Execution, 2) Expertise, 3) Business Development, 4) Practice Development, &amp; 5) People Development. As a Product Owner, this means leading a team of Consultants through a client-facing engagement, managing escalations, and serving as a the owner of a workstream; maintaining expertise in your domain; meaningfully contributing to the sales process through a mix of RPI development, client presentations, financial modeling, pricing strategy, and flawless delivery; creating service offerings and/or client partner training materials; and contributing to People Care initiatives, recruiting, and mentoring. In addition to enabling consulting excellence through the Five Pillars of Consulting, the specific requirements for this position are below. Our solutions are in demand and we're passionate about making a difference. If you have experience with the above, are a selfless leader, and are committed to client-facing environment; if you want to grow your career with a team that wants to build something great together, we want to hear from you! Apply now! Responsibilities • Create product backlog for financial risk systems and refine it to ensure its ready for development • Understand regulatory requirements and drivers impacting development goals and plans • Evaluate product changes and recommend needed process and system changes • Collaborate with cross-functional teams to define and prioritize the product backlog • Collaborate with technology partners and teams to drive strategic plans for system development, integration and deployment • Work with the Project Owners/Managers, Technology Lead, and Scrum Master to ensure that the teams are following agile methodology and that any issues are addressed in a timely manner • Collaborate with Model Risk Management and Quantitative Risk Management staff to ensure all models and methodologies are appropriately validated as part of any change management or annual validation activities • Understand regulatory requirements and drivers impacting development goals and plans • Evaluate product changes and recommend needed process and system changes • Collaborate with cross-functional teams to define and prioritize the product backlog • Refine the product backlog to ensure that it is ready for development • Seek to optimize product delivery in the most cost-effective manner Qualifications • 10+ years of experience as a Product Owner in financial risk domain focusing on credit, market or counterparty risk • Strong understanding of Agile product management methodologies and product development processes • Experience with central counter-party clearing, settlement of derivatives, financial risk management and regulated capital markets infrastructure • General securities markets, derivatives knowledge required • Strong knowledge in multiple asset classes (equities, interest rates, volatility, commodities, foreign currencies, etc.) • Excellent communication, collaboration, and presentation skills • Ability to work effectively with and lead cross-functional teams • Strong analytical and problem-solving skills • Demonstrated ability to gather, analyze, and evaluate facts, and prepare and present concise oral and written reports • Ability to prioritize and manage multiple tasks and projects simultaneously • Ability to work independently in a fast-paced, dynamic environment • Must be able to work under deadlines and manage multiple tasks • Self-directed; Ability to work both independently with minimal direction or oversight in a team-oriented, collaborative environment • Proficiency using Jira, Confluence, Tableau and Microsoft Office applications. • Familiarity with relational databases and ability to modify &amp; execute SQL using appropriate query tools a plus • Willing to work at the client location 3-4 times a week. Work Authorization • Cognizant will only consider applicants for this position who are legally authorized to work in the United States without company sponsorship (H-1B, L-1B, L-1A, etc.) The Cognizant community: We are a high caliber team who appreciate and support one another. Our people uphold an energetic, collaborative and inclusive workplace where everyone can thrive. <ul> <li>Cognizant is a global community with more than 300,000 associates around the world.</li> <li>We don't just dream of a better way - we make it happen.</li> <li>We take care of our people, clients, company, communities and climate by doing what's right.</li> <li>We foster an innovative environment where you can build the career path that's right for you.</li> </ul>About us: Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Headquartered in the U.S., Cognizant (a member of the NASDAQ-100 and one of Forbes World's Best Employers 2024) is consistently listed among the most admired companies in the world. Learn how Cognizant helps clients lead with digital at <a href="http://www.cognizant.com" target="_blank">www.cognizant.com</a> Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws. Disclaimer: Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law. Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.

PRODUCT OWNER - FINANCIAL RISK MANAGEMENT

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo Hear from our UK team about what it's like working at Monzo • London, Cardiff or Remote | £78,000 - £84,000 + stock options + Benefits | Hear from the team • ☆Our Finance team Our finance team is growing and we're looking for a Financial Risk Manager to join us. The role is responsible for understanding our prudential regulatory requirements, working on projects and submissions relating to these and collaborating with teams across the bank. You will need to have a breadth of knowledge and experience across prudential regulation, ideally covering the recovery and resolution planning, ICAAP, solvent wind down (SWDP), reverse stress testing. You will have the ability to independently interpret a range of regulations, determine the impact of those on the bank, and to manage projects to implement them. As part of Monzo's Financial Risk team you'll also learn how we protect the Bank from financial stress, and how we manage the risks to our capital resources. Decisions around the allocation of capital are central to Monzo achieving its strategy and building enterprise value. As such this is an exciting and broad role for an individual looking to build their experience and influence the direction of a unique business going through significant growth. You will need to have great financial analysis skills, combined with the ability to support a wide range of stakeholders. You'll play a key role by... <ul><li>Recovery planning and reverse stress testing (RST): you will lead/drive on the planning and implementation work in line with Monzo's recovery and resolution requirements, including owning the delivery of our planning requirements.</li><li>Lead the business in ensuring we comply with Resolvability Assessment Framework requirements, including Operational Continuity In Resolution, Valuation In Resolution and Continuity Of Access.</li><li>Supporting the team in the annual ICAAP production.</li><li>Supporting the team in the annual SWDP across the group. </li><li>Partnering with teams internally to help them make informed business decisions.</li><li>Designing brilliant ways to automate our work and leveraging technology to ensure we scale with the business. </li><li>Identifying the impact of prudential regulatory change and supporting relevant teams to assess and adapt to the challenges.</li><li>Liaising with teams across the bank including product, borrowing, finance, operational resilience, legal and risk.</li></ul>We'd love to hear from you if you... <ul><li>Have prudential regulatory experience at either a bank, a consultancy or a regulatory body and want to apply it to a fast growing new bank. </li><li>Have knowledge/experience of the relevant regulatory requirements, and the ability to interpret what that means for the relatively unique circumstances of our bank. </li><li>Have the ability to coordinate, participate and lead projects to produce regulatory deliverables and maintain the Bank's set of prudential documentation and supporting materials.</li><li>Are interested in identifying relevant data, performing analysis and understanding the impact on our bank.</li><li>Are able to work independently, proactively and enjoy a dynamic and changing environment.</li><li>Are keen to learn about and work on areas of the regulatory regime that you may not have previously explored, particularly in the context of a new bank. </li><li>Have experience building strong relationships with stakeholders at all levels within the business.</li><li>Have strong written and verbal communication skills</li></ul>What's in it for you £78,000 - £84,000 +share options. This role can be based in our London or Cardiff offices, or be distributed working within the UK (with ad hoc meetings in London) We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. £1,000 learning budget each year to use on books, training courses and conferences. + Plus lots more! Read our full list of benefits. The application journey has 4 key steps: - Phone call with Recruiter (30 mins)- Video call with Hiring Manager (30 mins)- Technical video call with Hiring manager &amp; Stakeholder (60 mins)- Behavioural video interview (45 mins) This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! You'll hear from us throughout the application process, but if you've got any questions, please reach out to <a href="mailto:business-hiring@monzo.com" target="_blank">business-hiring@monzo.com</a>. You can also use this email address to let us know if there's anything we can do to make the process easier for you because of disability, neurodiversity or anything else. We'll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don't miss out. #L1-NZ #LI-REMOTE Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2023 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage

Financial Risk Manager

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments, and individuals from more than 1,200 offices in 43 countries. As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence, and strong team ethic. Morgan Stanley can provide a superior foundation for building a professional career - a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture. The Institutional Securities Group (ISG) has established an ISG Data Group (IDG) to provide a single point of accountability for the full spectrum of data related initiatives. This ranges from the defensive risk reduction aspects of data security (both internal and external), through operational effectiveness from improving data quality, to helping enhancing revenue through further leveraging our data assets for providing services to our clients. The position available is an Associate level position within IDG. This position is focused on coordinating with the Firm's Non-Financial Risk (NFR) Reporting team and managing IDG's coverage of risks within the Integrated Non-Financial Risk Assessment (iNFR-A) tool. Given that iNFR-A is a new tool for the Firm, the individual will help to align IDG-mandated standards across ISG Divisions for the following risk areas: (1) Information Security, (2) Information Management, (3) Privacy, (4) Data Quality, (5) Cyber. Fundamental understanding of these risks areas and their relevancy across ISG businesses will be critical in keeping the standard intact as businesses submit their first Assessments in Q4 2025. Once Assessment data outputs are available within the iNFR-A tool, the individual will be responsible for analyzing the data related to the key IDG risk areas outlined above. Insight into how businesses have self-assessed risk (with IDG guidance) and understanding the impacts of those risks will be critical in driving ISG risk management strategy. Responsibilities: <ul><li>Coordinating with NFR Reporting team and learning to use the iNFR-A tool</li><li>Championing the Minimum Standards ISG as defined in 2024 related to the following risk areas: (1) Information Security, (2) Information Management, (3) Privacy, (4) Data Quality, (5) Cyber</li><li>Liaising with business risk management teams (Business Control Units) to ensure Minimum Standards are reflected in their annual Assessments submitted in iNFR-A</li><li>Preparing analysis based on risk data populated within the iNFR-A tool</li><li>Providing business requirements to further enhance iNFR-A reporting capabilities</li><li>Understanding IDG &amp; business controls related to the following risk areas: (1) Information Security, (2) Information Management, (3) Privacy, (4) Data Quality, (5) Cyber</li><li>Helping shape control alignment / cleanup process from Firm control repository (CILA) vs mapping to risks in iNFR-A tool</li></ul>Requirements: <ul><li>Min. 3-5 years of relevant work experience</li><li>Bachelor's or Master's degree in a relevant field, with preference for Engineering or related studies</li><li>Familiarity with RCSA (Risk and Control Self-Assessment) framework and process "or"</li><li>Experience in Risk Management functions or Data Protection / Data Management functions "or"</li><li>Experience with Risk Assessment, Risk Reporting, Risk Monitoring "or"</li><li>Familiarity with information security, information management, privacy, data quality, and/or cyber-related risk management</li></ul>General Experience / Skills Preferred: <ul><li>Team player who can effectively collaborate across diverse teams</li><li>Project management skills and proven ability to move projects through to completion in a complex environment, ideally within capital markets</li><li>Excellent oral and written communication skills by clearly articulating objectives, requirements, risks and issues</li><li>Strong analytical skills with an ability to understand complex workflows and leverage Excel, Powerpoint, etc.</li><li>Ability to identify and escalate issues effectively and appropriately</li><li>Exceptional organizational skills and a high degree of attention to detail</li><li>Ability to discuss in-depth technology initiatives and ability to work closely with technology teams</li><li>Ability to handle multiple tasks in a timely and effective manner and thrive in a fast-paced environment</li><li>Proven ability to take ideas forward and to challenge others with integrity and maturity</li><li>Experience in Business Intelligence and Data Profiling Tools is a plus (PowerBI, Alteryx)</li></ul>#LI-EK1 #LI-hybrid BPGC WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. Certified Persons Regulatory Requirements: If this role is deemed a Certified role and may require the role holder to hold mandatory regulatory qualifications or the minimum qualifications to meet internal company benchmarks. Flexible work statement Interested in flexible working opportunities? Morgan Stanley empowers employees to have greater freedom of choice through flexible working arrangements. Speak to our recruitment team to find out more. Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.

Non-Financial Risk Management Associate

<ul> <li> Email </li> </ul>The Financial Crime Risk Advisory team within Commodities and Global Markets at Macquarie plays a crucial role in managing and mitigating financial crime risks. We provide expert advice on Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and Anti-Bribery and Corruption (ABC) to ensure our business operations comply with regulatory requirements. Our team collaborates closely with various stakeholders to deliver comprehensive risk assessments, due diligence, and training to safeguard our organisation. While Macquarie offers hybrid working for many of our roles, this role does require 3 days a week in our advertised location. At Macquarie, our advantage is bringing together diverse people and empowering them to shape all kinds of possibilities. We are a global financial services group operating in 34 markets and with 55 years of unbroken profitability. You'll be part of a friendly and supportive team where everyone - no matter what role - contributes ideas and drives outcomes. What role will you play? Press space or enter keys to toggle section visibility As the Senior Manager in Financial Crime Risk Advisory, you will act as the first point of contact for all financial crime risk advisory matters within your business-aligned areas. You will provide day-to-day advice on client and transaction risk assessments, due diligence, and Know Your Customer (KYC) requirements, with a focus on higher-risk client engagements. You will deliver comprehensive Enhanced Due Diligence (EDD) reports and provide recommendations to senior management on high-risk clients and transactions. Additionally, you will contribute to the ongoing financial crime risk assessment process and maintain the Financial Crime Risk Watchlist. What you offer Press space or enter keys to toggle section visibility <ul><li>Degree qualified with a minimum of seven years of experience in a similar role within a financial services institution </li><li>Strong knowledge of local regulations, legislation, and best practices, particularly in investment banking products and services, including derivatives, lending, and financing </li><li>Experience in financial crime risk advisory, particularly within the MENA region, is advantageous </li><li>Awareness and understanding of local cultures and exposure to emerging markets </li><li>Ability to interact and communicate effectively with employees at all levels, including periodic meetings with desk heads </li><li>Proactive and consultative approach to engaging with the business and building strong stakeholder relationships </li><li>Strong analytical and risk assessment skills, with the ability to adapt to new changes and challenges </li><li>Client-focused with persuasive communication skills, both written and verbal, and confidence in being challenged</li></ul>We love hearing from anyone inspired to build a better future with us, if you're excited about the role or working at Macquarie we encourage you to apply. About the Risk Management Group Press space or enter keys to toggle section visibility Our Risk Management Group works as an independent, and centralised function, responsible for independent and objective review and challenge, oversight, monitoring and reporting in relation to Macquarie's material risks. We are a global team that aims to manage the risks of today and anticipate the risks of tomorrow. Our divisions include compliance, credit, financial crime risk, internal audit, market risk, operational risk, aggregate risk and prudential, and central. Our commitment to diversity, equity and inclusion Press space or enter keys to toggle section visibility We are committed to providing a working environment that embraces diversity, equity, and inclusion. We encourage people from all backgrounds to apply regardless of their identity, including age, disability, neurodiversity, gender (including gender identity or expression), sexual orientation, marriage or civil partnership, pregnancy, parental status, race (including ethnic or national origin), religion or belief, or socio-economic background. We welcome further discussions on how you can feel included and belong at Macquarie as you progress through our recruitment process. Our aim is to provide reasonable adjustments to individuals as required during the recruitment process and in the course of employment. If you require additional assistance, please let us know during the application process.

Senior Manager | Financial Crime Risk Advisory | Commodities and Global Markets

Joining Capco means joining an organisation that is committed to an inclusive working environment where you're encouraged to #BeYourselfAtWork. We celebrate individuality and recognize that diversity and inclusion, in all forms, is critical to success. It's important to us that we recruit and develop as diverse a range of talent as we can. We believe that everyone brings something different to the table - so we'd love to know what makes you different. Such differences may mean we need to make changes to our process to allow you the best possible platform to succeed, and we are happy to cater to any reasonable adjustments you may require. You will find the section to let us know of these at the bottom of your application form or you can mention it directly to your recruiter at any stage and they will be happy to help. ABOUT CAPCO Capco is a global business, data and technology consultancy, focused on the Financial Services sector. We are passionate about helping our clients succeed in an ever-changing industry. We are: <ul><li>Experts in banking and payments, capital markets and wealth and asset management</li><li>Deeply knowledgeable in financial services, including, e.g., Finance, Risk, Compliance, Regulatory Change, Financial Crime, Core Banking, etc.</li><li>Committed to growing our business and hiring the best talent to help us get there</li><li>Focused on maintaining our nimble, agile and entrepreneurial culture</li></ul>ROLE DESCRIPTION We are looking to recruit financial risk transformation candidates into our growing Financial Crime, Risk, Regulation and Finance (FRRF) capability. Successful candidates will be involved in advising on risk frameworks and controls, and delivering transformation across the Risk functions of our clients, in support of their Chief Risk Officers (CRO). This includes implementation of regulatory changes (e.g. Basel, IFRS9, BCBS-239), delivery of data to support IRB and VaR modelling, and automation of risk controls, control gap assessment and control implementation. The types of projects we cover are as follows: <ul><li>Our clients are predominantly within Financial Services and look for support in delivering solutions to improve risk management practices and control frameworks. This may include Risk Assessments, Target Operating Model design and implementation, Risk Rating Methodologies and Models, Gap Analysis, data and reporting</li><li>Gap analysis and implementation of regulatory changes</li><li>Identification and implementation of technology and data solutions to support credit, operational, market, liquidity, and capital risk management processes.</li><li>As a Risk Management SME at Capco, you may be required to communicate risk policies and processes for an organisation, develop risk models involving market, credit, liquidity, capital and/or operational risk, ensure controls are operating effectively, and provide research and analytical support.</li><li>You will also be encouraged to support Capco in client account planning, business development and relationship building / networking within the Capco UK FRRF capability. This may include contributions to Capco's Risk Management thought leadership.</li></ul>SKILLS AND EXPERTISE The ideal candidate will have the following skills and experience and will be able to perform the following activities: <ul><li>Good knowledge of regulatory requirements around Basel, IFRS9, BCBS-239 etc with specific focus on credit, market, liquidity and capital risks.</li><li>Knowledge of relevant financial regulations and experience implementing regulatory change and working with regulators</li><li>Experience working in the risk and regulatory practices of a relevant financial services institution</li><li>Ability to evaluate the client's current risk management processes (e.g. analyse potential impacts of key current and emerging risks, trends, reports, statistics, and relevant documentation)</li><li>Define and implement risk management process improvements and track benefit realisation</li><li>Facilitate risk conversations between different departments within organisations (e.g. client-facing businesses, credit risk, operational risk, legal, IT, finance, HR, and operations teams)</li></ul>This will be coupled with strong change management experience and prior success, either as a management consultant or within a change role in a financial services institution. <ul><li>This role allows you to deliver as part of a long-term strategic partnership with our clients, whilst developing within a forward thinking and entrepreneurial business. </li></ul><ul><li>Proven expertise delivering change in the capacity of a Programme / Project Manager or Business Analyst.</li><li>Self-starter and strong team player.</li><li>Strong interpersonal &amp; written communication skills.</li><li>Strong problem-solving skills and an analytical mind-set.</li><li>Demonstrable expertise in building and leveraging relationships.</li><li>To be able to face off to key stakeholders with strong credibility.</li><li>The ability to present to a wide range of stakeholders from AVP to senior MDs.</li></ul>Other Expectations <ul><li>To balance client delivery and supporting development of new client opportunities or market propositions with Financial Risk Management.</li></ul>For senior level candidates <ul><li>Mentor and coach other members of the team.</li><li>Solution development, showing a clear ability as a Subject Matter Expert (SME) to enhance existing propositions, and develop new ones.</li><li>People management, building a team of consultants with the right mix of grades, skills and experience to support client opportunities and projected growth.</li><li>Develop and convert a pipeline of opportunities.</li><li>Fulfil a key role in account and proposition development within Market Domains and Key Client Accounts, assisting senior management to increase revenue.</li><li>Formulate propositions and solutions that meet client requirements in addition to managing and directing pursuit activity.</li><li>Strong bid management abilities, with a proven ability to mentor and train Consultants.</li><li>Drive thought leadership and client campaigns</li><li>Build and maintain strong client relationships within the sector, leveraging proven industry content and delivery capability.</li></ul>WHY JOIN CAPCO? You will work on engaging projects with some of the largest financial services firms in the world, addressing our clients' biggest challenges. We offer: <ul><li>A work culture focused on innovation and building lasting value for our clients and employees</li><li>Ongoing learning opportunities to help you acquire new skills or deepen existing expertise</li><li>A flat, non-hierarchical structure that will enable you to work with senior partners and directly with clients</li><li>A diverse, inclusive, meritocratic culture</li><li>Enhanced and competitive family friendly benefits, including maternity / adoption / shared parental leave and paid leave for sickness, pregnancy loss, fertility treatment, menopause, and bereavement</li></ul>We have been informed of several recruitment scams targeting the public. We strongly advise you to verify identities before engaging in recruitment related communication. All official Capco communication will be conducted via a Capco recruiter. #LI-KA1

Management Consultant - Financial Risk

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $68,640 - $112,320 USD 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. Line of Business: Financial Crime Risk Management Job Description: The US Financial Crime Risk Management (FCRM) Group is responsible for the detection, investigation, and reporting of potential money laundering and terrorist financing activities conducted through TD Bank. The various screening processes conducted by the Financial Crimes Name Screening Operations Team are a key element of the adjudication and escalation activities conducted by US FCRM to manage TD Bank's anti-money laundering and anti-terrorist financing risk, sanctions, and compliance obligations. The Name Screening Operations team screens against various watchlists containing potential matches, and acts as the primary identification point in analyzing and escalating potential matches to watchlist individuals. As part of an ongoing transformation of the Name Screening Operations team, a new AML Escalations function is being established internal to the team, which will be responsible for evaluating and determining materiality of confirmed instances of Politically Exposed Persons, Money Services Businesses, and occurrences of Negative Media. This Manager will play a key role in setting up this new group, including assisting in procedure and process development, staffing, training, and ongoing management. The Manager, Financial Crime Risk Investigations manages/leads a team of specialized professionals in the analysis and/or the investigation process for a specific area and assigns and monitors caseloads to ensure potential regulatory risks and losses to the bank are minimized. Depth &amp; Scope: <ul><li>Provides people management leadership by hiring the best talent, setting goals, developing employees, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required</li><li>Expert level professional role requiring in-depth knowledge/expertise in own domain/field of specialty and working knowledge of broader related areas</li><li>Integrates the broader organizational context into advice and solutions within own area</li><li>Understands the industry, competition and the factors that differentiate the organization</li><li>Applies best practices to implement process, product or service improvements</li><li>Acts as a subject matter expert within their own area of specialty or a resource for others </li><li>Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs</li><li>Contributes to setting standards within area of expertise</li><li>Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders</li><li>Uses advanced methods to contribute to new solutions and recommends standards against which others will operate</li><li>Impacts a range of functional programs and operations across own and related teams</li><li>Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels</li><li>Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels </li></ul>Education &amp; Experience: <ul><li>Undergraduate degree or equivalent work experience</li><li>5+ years of experience </li></ul>Preferred Skills: <ul><li>3+ years AML experience, particularly in the PEP, MSB, and / or Negative Media space</li><li>3+ years people management experience</li><li>Procedure and process design</li><li>Change leadership</li><li>Executive communication and reporting</li></ul>Customer Accountabilities: <ul><li>Leads a team of professionals and supervisors to achieve business/operational objectives, maintains effective day-to-day operations and deliver quality service and transaction processing consistent with business objectives</li><li>Provides guidance and direction to team members within own area of specialization and focus</li><li>Reviews and assesses incoming files and allocates to appropriate Investigators/Investigative Specialists</li><li>Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist</li><li>Conducts investigations in the capacity of a working lead where cases have been specifically assigned ensuring proper analysis and investigation standards are followed </li><li>Prepares applicable documents based on criminal and/or non-criminal proceedings </li><li>Collaborates with counterparts from other institutions and/or external organizations (e.g., public sector, government, law enforcement) to gather intelligence information where necessary </li><li>Ensures investigations are professionally conducted and completed in a timely manner </li><li>Identifies and communicates procedural weaknesses to businesses and ensures processes for remediation are in place such as following up for corrective action where applicable</li><li>Maintains strong awareness of emerging trends and investigative techniques for own area of specialty</li><li>Represents the department on internal projects/committees for own specialized area as necessary</li></ul>Shareholder Accountabilities: <ul><li>Contributes to the development of the business plan, operationalizes the plan and delivers on assigned service/functionality</li><li>Works with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale</li><li>Monitors and communicates effectiveness of strategies, programs, and practices related to own area of accountability</li><li>Ensures programs, policies and practices continue to meet business needs, complies with internal and external requirements, and aligns with business priorities</li><li>Proactively identifies key business opportunities, research and recommends enhancements/modifications, develops strategies to achieve recommendations</li><li>Coordinates activities with partners across the organization, may include HR, Technology, Finance, Risk Management</li><li>Ensures team operates in compliance with applicable internal and external requirements, and employees comply with Bank and industry codes of conduct</li><li>Ensures appropriate reporting and escalation of issues based on risk profile</li><li>Leads relationships with business lines/corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements </li><li>Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts </li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li></ul>Employee/Team Accountabilities: <ul><li>Responsible for management of a team providing both leadership and guidance</li><li>Sets targets and objectives for the team, and delivers results</li><li>Develops a team of professionals in all aspects of related competencies and acts as resource and mentor to others</li><li>Grows team expertise to align with business/enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered</li><li>Leads a high performing team; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees</li><li>Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner</li><li>Manages employees in compliance with all human resources policies, procedures and guidelines of conduct</li><li>Shares knowledge, information, skills, and subject matter expertise among the team and ensures the timely communication of issues and encourages good working relationships with other functions and teams</li><li>Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives </li><li>Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally </li></ul>Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% <ul><li>Domestic Travel - Occasional</li><li>International Travel - Never</li><li>Performing sedentary work - Continuous</li><li>Performing multiple tasks - Continuous</li><li>Operating standard office equipment - Continuous</li><li>Responding quickly to sounds - Occasional</li><li>Sitting - Continuous</li><li>Standing - Occasional</li><li>Walking - Occasional</li><li>Moving safely in confined spaces - Occasional</li><li>Lifting/Carrying (under 25 lbs.) - Occasional</li><li>Lifting/Carrying (over 25 lbs.) - Never</li><li>Squatting - Occasional</li><li>Bending - Occasional</li><li>Kneeling - Never</li><li>Crawling - Never</li><li>Climbing - Never</li><li>Reaching overhead - Never</li><li>Reaching forward - Occasional</li><li>Pushing - Never</li><li>Pulling - Never</li><li>Twisting - Never</li><li>Concentrating for long periods of time - Continuous</li><li>Applying common sense to deal with problems involving standardized situations - Continuous</li><li>Reading, writing and comprehending instructions - Continuous</li><li>Adding, subtracting, multiplying and dividing - Continuous</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes. 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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. 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. 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. Training &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Manager, Financial Crime Risk Investigations - US Name Screening Operations - AML Escalations

Our Story Hello there. We're Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don't like about finance and does the opposite. We're redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre - we've built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com! We're incredibly proud of our achievements and none of it would be possible without the amazing team here. It's not just industry awards we're winning, we've also been named in the top three UK's Most Loved Workplaces. If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you'll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife The Second Line Financial Crime Risk Team owns the framework for managing all financial crime risk at Zopa and is responsible for advising and challenging the business to ensure the right controls are in place to protect the bank, its customers and wider society from financial crime. The team is responsible for risk oversight of the first line, training and assurance activity, designed to ensure that defined frameworks and standards are adhered to and that Zopa is managing its financial crime risk exposure within the bank's risk appetite. We are seeking an experienced financial crime risk manager to join our small but growing second line team. You'll report into the Director of Financial crime Risk and will be supporting the ongoing development of the financial crime risk framework and the processes that support it. This position requires a dynamic and analytical thinker who enjoys collaborating with a wide range of first line teams including risk, ops and product to provide effective review, challenge, oversight, and assurance of financial crime risk assessments and decision-making by the business. The role is an exciting opportunity for a financial crime risk manager motivated by driving change and contributing to responsible growth and a truly customer-centric experience. A day in the life: <ul><ul><li>Developing and maintaining Zopa's AML/CFT and Sanctions policies and standards, ensuring that appropriate measures are in place so that money laundering, terrorist financing and sanction evasion risks are considered in the company's day-to-day operations. </li><li>Carrying out assurance activities - these could be testing key financial crime controls, carrying out MI validation, customer journey reviews, policy reviews or large, thematic reviews into key areas of the financial crime control framework </li><li>Conducting risk assessments for new and existing products as well as contributing to the annual bank wide risk assessment </li><li>Reviewing methodology documents and proposals from the 1st line of defence and question these proposals where necessary </li><li>Drafting and providing ongoing maintenance of robust policies and procedures to reflect regulatory developments and best practices </li><li>Preparing documentation whether it's for monthly risk committee meetings, policy and standards updates or information for the regulators </li><li>Ensuring that controls scale with all Zopa's products by developing effective ongoing review and monitoring processes </li><li>Reviewing and analysing MI from across the suite of controls to identify any areas of concern for further investigation </li><li>Working closely with first line of defence risk team in the development of new controls or improving existing ones across current accounts.</li></ul></ul>About you: <ul><ul><li>Demonstratable experience in AML/CTF risk management within the financial services sector, preferably within ahigh-growth fintech, digital bank or EMI. </li><li>Hands-on team player, with experience within a 1st or 2nd line risk function </li><li>In-depth understanding of UK anti-money laundering, countering terrorist financing and sanctions regulations, including the Money Laundering Regulations, the Proceeds of Crime Act and FCA expectations </li><li>Clear communicator with ability to explain complicated concepts in simple terms to a wide audience (both verbally and in writing) and can challenge and influence stakeholders of varying seniority </li><li>Enjoys working in a fast-paced environment, you're a proactive self-starter and are comfortable with a degree of ambiguity and change </li><li>You can work autonomously and take ownership - you have project management, organisational skills and capability to handle multiple projects at one time </li><li>Critical thinking with a pragmatic, hands-on approach to problem-solving </li><li>Strong analytical and risk assessment skills, with the ability to adapt to new challenges </li><li>Data driven - ability to analyse data to draw insightful conclusions to drive identify practical risk mitigations </li><li>Impeccable report writing skills, with the ability to adapt language and complexity depending on target audience </li><li>High level of integrity, sound judgment and attention to detail </li></ul></ul>Bonus points for: <ul><ul><li>Experience working with product teams, suppliers or regulators </li><li>Knowledge of SQL would be a bonus! </li><li>Exposure to retail current accounts (either personal or business) </li><li>Financial crime qualification(s) - ICA or similar </li></ul></ul>This role will require travel to our London Bridge office twice per week. #LI-LK1 We're on the move! Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz. At Zopa we value flexible ways of working. We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week. You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one. *Subject to having the right to work in the country of choice Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&amp;I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

Financial Crime Risk Manager

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $33.00 - $49.50 USD 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. Line of Business: Financial Crime Risk Management Job Description: The Senior Financial Crime Risk Analyst role contributes to the development and maintenance of TD's AML/ATF/Sanctions/ABAC programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting and/or escalation of issues. This role conducts periodic and event driven reviews of customers, including targeted reviews to assess risks. Additionally, this role supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc. Depth &amp; Scope: <ul><li>Works independently as the senior analyst / subject matter expert and may coach and educate others</li><li>Oversees and/or independently performs tasks from end-to-end </li><li>Applies expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance </li><li>Executes on more complex and/or non-standard requests</li><li>Researches and investigates a range of operational / reporting / process issues</li><li>Recommends and implements solutions within own area of responsibility </li><li>May need to coordinate / integrate work with other areas as needed</li><li>Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise</li><li>Requires advanced technical / business / function knowledge for discipline supported</li><li>High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus</li><li>Represents the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization</li></ul>Education &amp; Experience: <ul><li>Undergraduate degree or equivalent work experience </li><li>5+ years experience</li></ul>Preferred Qualifications: <ul><li>Advanced Excel (pivot tables), working knowledge Tableau dashboards</li><li>Working knowledge of Oracle Analytics Suite</li><li>Experience with User Acceptance Testing (UAT)</li><li>Undergraduate degree or equivalent work experience </li><li>5+ years experience</li></ul>Customer Accountabilities: <ul><li>Contributes to the development of team procedures and governance processes and advises FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.</li><li>Works with FCRM partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups</li><li>Conducts research, assesses FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholders </li><li>Provides governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)</li><li>Assists FCRM team members in the use of Issues and Events system for tracking and reporting</li><li>Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program</li><li>Delivers relevant subject matter expertise and FCRM advice to business / FCRM partners</li><li>Interacts with control functions within the organization</li><li>Develops and delivers training programs for applicable employees across the Bank</li><li>Conducts meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs</li><li>Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment</li><li>Contributes to the development of processes, procedures and guidance relevant to own specific FCRM function of expertise</li></ul>Shareholder Accountabilities: <ul><li>Prioritizes and manages own workload to meet SLA requirements for service and productivity</li><li>Provides high quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activities</li><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues</li><li>Delivers relevant subject matter expertise and FCRM advice to business (FCRM) partners </li><li>Participates as assigned in new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projects </li><li>Participates in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices </li><li>Coordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise</li><li>Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction</li><li>Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts</li><li>Contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li><li>Complies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required</li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li><li>Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance</li><li>Contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li></ul>Employee/Team Accountabilities: <ul><li>Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues / points of interest</li><li>Shares industry knowledge for own area of expertise and participates in knowledge transfer within the team and function</li><li>Grows knowledge of the business, related tools and techniques </li><li>Participates in personal performance management and development activities, including cross training within own team</li><li>Keeps others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities</li><li>Contributes to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate. </li><li>Contributes to a fair, positive and equitable environment that supports a diverse workforce</li><li>Acts as a brand champion for the function and the bank, both internally and/or externally </li></ul>Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% <ul><li>Domestic Travel - Occasional</li><li>International Travel - Never</li><li>Performing sedentary work - Continuous</li><li>Performing multiple tasks - Continuous</li><li>Operating standard office equipment - Continuous</li><li>Responding quickly to sounds - Occasional</li><li>Sitting - Continuous</li><li>Standing - Occasional</li><li>Walking - Occasional</li><li>Moving safely in confined spaces - Occasional</li><li>Lifting/Carrying (under 25 lbs.) - Occasional</li><li>Lifting/Carrying (over 25 lbs.) - Never</li><li>Squatting - Occasional</li><li>Bending - Occasional</li><li>Kneeling - Never</li><li>Crawling - Never</li><li>Climbing - Never</li><li>Reaching overhead - Never</li><li>Reaching forward - Occasional</li><li>Pushing - Never</li><li>Pulling - Never</li><li>Twisting - Never</li><li>Concentrating for long periods of time - Continuous</li><li>Applying common sense to deal with problems involving standardized situations - Continuous</li><li>Reading, writing and comprehending instructions - Continuous</li><li>Adding, subtracting, multiplying and dividing - Continuous</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes. 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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. 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. 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. Training &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Senior Business Analyst- Financial Crime Risk (US)

<ul> <li>The role requires the ability to effectively collaborate with other members of Risk, Business Services (Operational Resilience, Change, and Third Party and Outsourcing (TP&amp;O)) to secure buy-in for oversight and monitoring, and implement improvements to systems, processes, and technology, as appropriate.</li> <li>To apply knowledge and insights concerning Non-Financial Risk, including Operational Resilience, Change and TP&amp;O, Operational Risk, IT and systems risk and Conduct Risk, and how this impacts our policyholders. </li> <li>To provide challenge to the first line, reviewing Management Information, testing and other documentation to ensure a high degree of accuracy and regulatory compliance.</li> <li>To deliver good outcomes for the business, policyholders, shareholders, and other stakeholders.</li> <li>Our Company values are expected to be reflected in the delivery and performance of every role.</li> </ul>Specific accountabilities assigned to the role of Non-Financial Risk Manager within Risk <ul> <li>Conduct thorough analysis of first line tests, papers and Management Information, particularly review of Third-Party assessments, Exit plans, Operational Resilience scenario tests, mapping and vulnerabilities.</li> <li>Responsible for the successful delivery of routine reporting for the NFR team, input into Risk and Control Self Assessments (RCSA) process, Own Risk and Solvency Assessment (ORSA) scenario process and event management as required.</li> <li>Collaborate with and support the rest of the team, both the Operational Risk Managers and the Non-Financial Risk Leads, to ensure good coverage of business as usual work load, and assist with specific deep dives, projects, new deals, or field work where necessary.</li> <li>Prepare comprehensive reports reflective of the intended audience that demonstrate sound analysis and recommendations for Operational Risk, Management Risk and Board Risk Committees.</li> <li>Effectively collaborates with both the Non-Financial Risk team, the wider Risk team and the first line.</li> <li>Takes ownership for their own learning and development in both technical (e.g. data analysis and critical judgement) and non-technical (self-insight and relationship management) skills of Non-Financial Risk Management.</li> <li>Keeps informed of industry trends, market developments, regulatory changes in the public and private sectors, as well as best practice related to Non-Financial Risk Management by attending industry seminars, reading and sharing relevant published articles.</li> </ul>Requirements Knowledge <ul> <li>Good technical knowledge of Operational Risk Frameworks</li> <li>Good technical knowledge of business processes, standards, policies and procedures</li> <li>Good knowledge of relevant legal and industry requirements</li> <li>Good knowledge of non-financial risks </li> <li>Good knowledge of Operational Resilience regulations</li> <li>Good knowledge of best practise for change. </li> </ul>Experience <ul> <li>Professional qualification useful but not essential</li> <li>Prior experience of a risk management role in a relevant financial services entity (insurance, asset management, banking)</li> <li>Familiarity with the UK regulatory environment </li> <li>Experience in developing good relationships with stakeholders</li> <li>Experience of delivering high standard good quality management information, documentation and reporting.</li> </ul>Benefits In addition to a competitive base salary and the opportunity to participate in our annual, performance-related bonus plan, upon joining us here at Pension Insurance Corporation, you will get access to some great benefits, including private medical insurance, 28 days' annual leave (excluding bank holidays), a generous pension scheme and much more.

Non-Financial Risk Manager

Group Overview The TP ICAP Group is a world leading provider of market infrastructure. Our purpose is to provide clients with access to global financial and commodities markets, improving price discovery, liquidity, and distribution of data, through responsible and innovative solutions. Through our people and technology, we connect clients to superior liquidity and data solutions. The Group is home to a stable of premium brands. Collectively, TP ICAP is the largest interdealer broker in the world by revenue, the number one Energy &amp; Commodities broker in the world, the world's leading provider of OTC data, and an award winning all-to-all trading platform. The Group operates from more than 60 offices in 27 countries. We are 5,300 people strong. We work as one to achieve our vision of being the world's most trusted, innovative, liquidity and data solutions specialist. Role Overview This role will be a dual role, responsible for supporting: <ul><li>The Financial Risk Management Manager (based in Belfast) in their duties around 2nd line Risk assurance of the Group's credit risk onboarding process, escalation of high risk clients and analysis/reporting of the Group's client portfolio.</li><li>The EMEA Exposure Management Manager (based in London) and the teams duties in managing credit, liquidity and market risk from the Group's broking and Treasury activity on a real time basis.</li></ul>Role Responsibilities <ul><li>Support the production of Risk MI relating to the Group's client portfolio, including data collection and analysis, liaising with key stakeholders to ensure accuracy and integrity.</li><li>Generate reporting output in regards financial risk exposures. Collate data from various sources and transfer into formats that allows effective data analysis on the drivers of exposure, with escalations where required.</li><li>Assist the gathering of data for presentational material at regional committees and other associated governance forums. Other deep dive exposure MI as requested.</li><li>Supporting the function manager in providing a risk based response to rating escalations, decline decisions and exceptions to credit policy, as a result of the internal credit scoring process. Develop a strong understanding of the credit risk onboarding process, associated policy and procedures.</li><li>Supporting risk management Quality Assurance activity around all credit risk related client lifecycle events including initial client on-boarding, periodic reviews and ongoing monitoring. Also the accurate application of limits across the Group's systems and broking platforms. This includes assisting in the control attestation evidence gathering and uploading process.</li><li>Support the monitoring of credit exposures to the Group's cash on deposit, invoiced brokerage receivables and trade exposure to its matched principal broking activity.</li><li>Support the investigation and appropriate escalation of any credit risk breaches, ensuring that issues are identified on a proactive basis with appropriate escalation to FRM Exposure Management EMEA Manager. In their absence, escalating to appropriate internal stakeholders.</li><li>Support the management of matched principal broking limits, working closely with the business to manage increase requests where necessary to enable business flow but maintain risk exposures within appetite.</li><li>Support the monitoring of the Groups potential margin call and collateral call exposure in real time. Provide escalations on a proactive basis when appetite levels are beached and ensure actions are taken by the relevant internal stakeholders to reduce risk to the Group.</li><li>Support the exchange traded limit setting process by liaising with business units and the Groups General Clearing Members ("GCM"). Accurately assess limit request in reference to Group risk appetite before transmitting requests to the relevant GCM.</li><li>Support the monitoring of any market risk positions that should arise on a proactive basis. Gather data and begin the relevant escalation process when appetite thresholds are breached to achieve prompt resolution.</li><li>To support the Team manager in partnering with IT on technical developments, including requirements gathering, UAT and post-release support</li><li>To support the Team manager in the ongoing identification of process improvement, system improvement and automation opportunities that will drive efficiencies and effectiveness throughout the team.</li></ul>Experience / Competences Essential <ul><li>Excellent attention to detail, highly organised with a proactive approach.</li><li>Strong analytical ability and problem solving skills.</li><li>Some understanding of the trade lifecycle and how it can generate financial risk across the Groups various broking models. This may have been gained via an Operations or Front Office background.</li><li>Strong data analysis and presentational skills. Ability to extract data from multiple sources and collate into meaningful and accurate analysis using recognised software packages.</li><li>Quantitative Analysis: proficiency in statistical methods and financial modelling to assess and mitigate risks.</li><li>SQL Proficiency: Ability to write simple database queries and create reports with actionable information.</li><li>Problem-Solving: Ability to develop innovative solutions to complex risk-related issues.</li></ul>Desired <ul><li>Knowledge of financial markets.</li><li>Experience in a similar organisation.</li><li>Demonstrable experience of effectively working within a credit risk team across the client lifecycle.</li><li>Some experience in the credit analysis of banks, broker/dealers, asset managers and corporates.</li><li>Excel VBA: demonstrated skills in automating tasks, creating basic models, and data visualization.</li><li>Python Programming: Experience with data analysis libraries (e.g. pandas, NumPy), and automation scripts.</li></ul>#LI-Hybrid #LI-MID #NIJobs Not The Perfect Fit? Concerned that you may not meet the criteria precisely? At TP ICAP, we wholeheartedly believe in fostering inclusivity and cultivating a work environment where everyone can flourish, regardless of your personal or professional background. If you are enthusiastic about this role but find that your experience doesn't align perfectly with every aspect of the job description, we strongly encourage you to apply. You may be the ideal candidate for this position or another opportunity within our organisation. Our dedicated Talent Acquisition team is here to assist you in recognising how your unique skills and abilities can be a valuable contribution. Don't hesitate to take the leap and explore the possibilities. Your potential is what truly matters to us. Company Statement We know that the best innovation happens when diverse people with different perspectives and skills work together in an inclusive atmosphere. That's why we're building a culture where everyone plays a part in making people feel welcome, ready and willing to contribute. TP ICAP Accord - our Employee Network - is a central to this. As well as representing specific groups, TP ICAP Accord helps increase awareness, collaboration, shares best practice, and holds our firm to account for driving continuous cultural improvement. Location UK - City Quays - Belfast

Financial Risk Management - Risk Associate

The Quantitative Risk Manager, part of Convera's Financial and Regulatory Risk team, will play a crucial role in helping management understand and manage financial and regulatory risks through quantitative and qualitative assessments, enabling informed decisions, efficient resource allocation, and effective risk mitigation. You will be responsible for: • Quantitative Financial Risk Analysis: Perform detailed quantitative analyses on financial risks using statistical and mathematical models, providing insights and recommendations to support decision-making processes. • ICARA Report Support: Perform Capital Risk evaluation based on internal Risk models using R-Code. • Integration with Global Framework: Ensure the proper integration of the financial risk management program within the Enterprise-level risk management framework, escalating and discussing key risks at the group level. • Maintain Financial Risk Registers: Maintain the entity/country/region/global level risk registers and produce risk reporting as appropriate. • Risk Interpretation and Mitigation: Provide practical interpretation, application, and mitigation of risk to resolve issues raised across the organization. • Strategic Projects: Deliver strategic projects to enhance the company risk culture. • Other Duties: Perform other duties as assigned. You should apply if you have: • Minimum of 5-7 years of experience in a complex consumer financial services organization, including at least three years in quantitative risk management or consultancy. • Proficiency in quantitative analysis and risk modeling using R and /or Python. • Comprehensive understanding of FX Hedging /payment products, services, and operations (or equivalent in other financial services organizations). • Strong analytical skills, capable of analyzing root causes of business risk issues. • Good project management skills, with the ability to coordinate various projects with diverse participation. • FRM/PRM or CFA Certification is a plus About Convera Convera is the largest non-bank B2B cross-border payments company in the world. Formerly Western Union Business Solutions, we leverage decades of industry expertise and technology-led payment solutions to deliver smarter money movements to our customers - helping them capture more value with every transaction. Convera serves more than 30,000 customers ranging from small business owners to enterprise treasurers to educational institutions to financial institutions to law firms to NGOs. Our teams care deeply about the value we bring to our customers which makes Convera a rewarding place to work. This is an exciting time for our organization as we build our team with growth-minded, results-oriented people who are looking to move fast in an innovative environment. As a truly global company with employees in over 20 countries, we are passionate about diversity; we seek and celebrate people from different backgrounds, lifestyles, and unique points of view. We want to work with the best people and ensure we foster a culture of inclusion and belonging. We offer an abundance of competitive perks and benefits including: • Market competitive salary • Opportunity to earn an annual bonus • Great career growth and development opportunities in a global organization • A flexible approach to work (hybrid work) • Generous insurance (health, disability, life) • Paid holidays, time-off, and leave policies for life events (maternity, paternity, adoption) • Paid volunteering opportunities (5 days per year) There are plenty of amazing opportunities at Convera for talented, creative problem solvers who never settle for good enough and are looking to transform Business to Business payments. Apply now if you're ready to unleash your potential. #LI-SU1

Quantitative Financial Risk Manager

Work Location: Dublin, Ireland Hours: 35 Line of Business: Financial Crime Risk Management Pay Details: We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role. Job Description: CUSTOMER <ul><li>Provide guidance on day-to-day AML/ATF/ Sanctions/ABAC matters affecting the business based on regulatory compliance requirements and industry best practice, including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing</li><li>Provide/Execute skilled AML/ATF/ Sanctions/ABAC research, risk assessment, reporting and/or analytical support in a timely manner</li><li>Assist/Partner in the development and implementation of appropriate AML/ATF/ Sanctions/ABAC policies, processes, and controls</li><li>Support the facilitation of periodic AML/ATF/ Sanctions/ABAC risk and self-assessment activities for designated business using TD's enterprise AML/ATF/ Sanctions/ABAC risk assessment framework</li><li>Ensure that assessments (monitoring, risk assessment etc.) are completed and communicated in a dynamic and timely fashion</li><li>Handle matters escalated for the identification of suspicious activity, or identified through the Enhanced Due Diligence process in accordance with established processes and protocols, and assist in ensuring that the business takes appropriate steps to address those activities and customers</li><li>Work collaboratively with business and control partners within the organization</li><li>Prepare and deliver management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products</li><li>Proactively identify matters which require additional attention and present objective and independent opinion on the adequacy of AML/ATF/ Sanctions/ABAC processes and controls and opportunities to enhance those controls</li><li>Present objective and independent opinions on the adequacy of AML/ATF/ Sanctions/ABAC processes and controls in accordance with regulatory and internal requirements, and liaise with the appropriate FCRM and business partners to resolve</li></ul>SHAREHOLDER <ul><li>Review and provide feedback on business line policies and procedures</li><li>Analyze AML/ATF/ Sanctions/ABAC compliance requirements and ensure they are properly written into requirements for business projects and approved at the appropriate levels</li><li>Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate</li><li>Analyze risk exposure characteristics for assigned portfolio in accordance with established processes or procedures, making recommendations for enhancements or changes based on changes in the regulatory environment or business processes</li><li>Work with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations</li><li>Keep current on emerging issues, trends, and evolving regulatory requirements in the AML/ATF/ Sanctions/ABAC industry and assess potential impacts</li><li>Coordinate with other AML/ATF/ Sanctions/ABAC partners and business compliance partners to ensure consistency in the application of AML/ATF/ Sanctions/ABAC programs and standards across the enterprise</li><li>Protect the interests of the organization - identify and manage risks, and ensure the prompt analysis and escalation of non-standard, high-risk issues, monitoring to thorough resolution</li><li>Acquire and apply expertise in the AML/ATF/ Sanctions/ABAC disciplines, providing basic guidance and direction to business and other FCRM partners</li></ul>EMPLOYEE / TEAM <ul><li>Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and teamwork and ensure timely communication of issues/ points of interest</li><li>Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business</li><li>Participate in personal performance management and development activities, including cross training within own team</li><li>Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.</li><li>Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.</li><li>Contribute to a fair, positive, and equitable environment that supports a diverse workforce</li><li>Act as a brand ambassador for your business area/function and the bank, both internally and/or externally</li></ul>BREADTH &amp; DEPTH <ul><li>Specialist level professional role requiring in-depth knowledge / expertise in AML/ATF/ Sanctions/ABAC and working knowledge of broader related areas</li><li>Provide advanced analysis and/or specialized reporting to support business partners, functional areas, or centres of expertise</li><li>Provide AML/ATF/ Sanctions/ABAC advice to a business as FCRM representative on a straightforward project or change initiative</li><li>Integrate the broader organizational context into advice and solutions within the AML/ATF/ Sanctions/ABAC area</li><li>Understand the industry, competition and the factors that differentiate the organization</li><li>Lead projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs</li><li>Contact for business management, external/internal auditors, dealing with non-routine information</li><li>Recommend and implement solutions within own area of responsibility</li><li>May need to coordinate / integrate work with other areas as needed</li><li>Identify and lead problem resolution for complex requirements related issues at all levels</li><li>Generally reports to a Senior Manager</li></ul>EXPERIENCE &amp; EDUCATION <ul><li>Undergraduate Degree</li><li>Advanced degree, professional accreditation, and/or 5+ years relevant industry experience</li></ul>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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs. 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. 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. 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. Training &amp; 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 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.

12 Financial Crime Risk and Technology Jobs