Liquidity Risk Specialist
4 weeks ago
Position Overview
Department Insight
To ensure sustainable growth, TD Bank must strategically manage and embrace risks. A robust risk culture and a comprehensive approach to risk management are vital to our success. The Capital Markets Risk Management (CMRM) team is responsible for supporting the objectives of TD Securities (TDS) and Treasury & Balance Sheet Management (TBSM) while aligning with TD's risk appetite and regulatory standards. CMRM provides independent oversight of liquidity risks across the enterprise, ensuring that all significant risks are accurately measured, reported, analyzed, and transparent. We believe that our employees are our most valuable asset, and we are committed to their development through respect, inclusion, diversity, innovation, empowerment, collaboration, ongoing coaching, and continuous learning. You will join a high-performing team of risk professionals, where you will have the chance to enhance your understanding of risk disciplines and make a significant impact.
Role Summary
If you have a solid grasp of Capital Markets, a keen interest in financial instruments, and a meticulous approach to data management, you may be an ideal fit for the Capital Markets Risk Management team. As a Liquidity Risk Specialist, you will collaborate and maintain essential relationships with various business partners, including the Front Office, Enterprise Liquidity Risk, and Technology. Your role will be crucial in ensuring the integrity and quality of data through the generation of independent, accurate, and timely Liquidity Risk reporting.
- Support the bank's risk appetite by independently measuring, analyzing, and monitoring key liquidity risk indicators such as the Liquidity Coverage Ratio (LCR), Net Cumulative Cash Flow (NCCF), and Net Stable Funding Ratio (NSFR). Ensure all analyses are thorough and accurate, providing detailed commentary and escalating issues promptly.
- Prepare and validate regulatory liquidity risk reports, including submissions to relevant regulatory authorities.
- Proactively engage in change management initiatives by continuously improving independent processes while maintaining day-to-day operations to effectively support the business.
- Implement infrastructure changes related to new or revised Liquidity Risk policies, ensuring compliance with CMRM change control procedures and EUC standards.
- Ensure that operational and regulatory risks within your area are accurately measured, aggregated, and analyzed in line with established market risk policies, adhering to CMRM standards for Process Risk and Controls Self-Assessments.
- Assist in identifying innovative opportunities and contribute to driving these initiatives forward.
- Enhance analytical capabilities and business knowledge, developing skills necessary for understanding and proactively addressing current and emerging risks.
- Work closely with business partners to support the achievement of the Bank's objectives.
- Develop and maintain a comprehensive understanding of the analytical principles that underpin the pricing and risk management of financial derivatives, including challenges related to financial modeling for Liquidity Risk.
- Continuously deepen your understanding of the business while actively participating in knowledge sharing and cross-training activities.
Qualifications
Essential Skills
- Undergraduate or graduate degree in Risk Management, Business, Economics, Mathematics, or Finance.
- Pursuit or completion of CFA/FRM is advantageous.
- Familiarity with financial instruments, regulations, and market risk metrics, acquired through academic or practical experience.
- Proficient in Microsoft applications.
- Programming skills in VBA, Python, or SQL are beneficial.
- Strong understanding of risk management, governance compliance, and control practices.
- Able to thrive in a fast-paced environment while managing multiple deadlines and priorities.
- Excellent quantitative, analytical, and problem-solving abilities.
- Independent thinker who takes initiative to seize opportunities and enhance efficiencies.
- Strong capability to work collaboratively across functions, navigate ambiguities, and meet tight deadlines.
- Exceptional written and verbal communication skills.
- Self-motivated, organized, and possesses a positive attitude.
About Us:
TD is among the world's leading financial institutions and ranks as the fifth largest bank in North America by branches. We deliver exceptional customer experiences to millions of households and businesses across Canada, the United States, and globally. Our diverse team of over 95,000 colleagues contributes their skills, talent, and creativity to serve our customers and support the economies we operate in. Guided by our vision to be the better bank and our purpose to enrich lives, we are committed to being a leader in customer experience. As we expand our business and execute our strategy, we are innovating to enhance customer interactions and build capabilities for the future of banking. Whether you are an experienced banking professional or just starting your career in financial services, we are here to help you realize your potential. Through regular leadership and development discussions, mentorship, and training programs, we support your journey towards achieving your goals. As an organization, we are continuously growing – and so will you.
Our Total Rewards Package
Our Total Rewards package reflects our commitment to our colleagues and their families, helping them achieve their financial, physical, and mental well-being goals. Total Rewards at TD include a competitive salary, variable compensation, and a range of key plans such as health and wellness benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development opportunities, and recognition programs.
Additional Information:
We appreciate your interest in building a career with TD. Through regular development discussions, training opportunities, and a competitive benefits plan, we are dedicated to providing the support our colleagues need to thrive both professionally and personally. If you have specific career aspirations or wish to develop certain skills, we are eager to assist you in your success. You will have regular conversations about your career, development, and performance with your manager, along with access to an online learning platform and various mentoring programs to help you unlock future opportunities. Whether you are passionate about assisting customers or wish to inspire and coach your colleagues, there are numerous career paths within TD, and we are committed to helping you identify opportunities that align with your goals.
We will provide comprehensive training and onboarding sessions to ensure you have the resources needed to excel in your new role.
We look forward to connecting with candidates of interest to discuss potential opportunities.
Your accessibility is important to us. Please inform us if you require accommodations to facilitate your participation throughout the interview process.
We look forward to hearing from you.
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