Insurance Risk Management Specialist

2 days ago

Montreal, Quebec, Canada The Toronto-Dominion Bank (Canada) Full time

Job Summary:



TD is seeking a seasoned Risk and Insurance professional to lead the Insurance Risk Management function within the company. The successful candidate will be responsible for ensuring alignment of IRM with TDI business priorities, capacity, and expertise to ensure a shared focus on common IRM objectives.



About the Role:



The Insurance Risk Management Specialist will be accountable for the IRM program across TDI, relying on key activities and deliverables embedded within the accountabilities of business process, risk and control owners. This role is responsible for ensuring compliance with relevant regulatory guidelines and embedding ORSA into strategic decision-making.



Key Responsibilities:





  • Lead the capital adequacy assessment processes for TDI General Insurance, Life & Health, and Reinsurance.

  • Support the stress testing program for the TDI Segment.

  • Lead risk-based Insurance Risk oversight and challenges for TDI GI, LH, TDRB, and TD Corporate Insurance.

  • Build/maintain a world-class framework to oversee product development areas in LH, TDRB, and GI businesses.

  • Develop/articulate TDI's pricing targets/risk appetite and ensure consistency across TD Insurance.

  • Maintain and update of risk appetite statement for insurance risk and assist in development of relevant metrics.

  • Perform due diligence required to approve product pricing for new products and reviewing pricing of existing products.

  • Conduct regular in force reviews of product profitability, leveraging existing product and corporate actuarial areas effectively.

  • Represent TD Insurance in relevant industry committees related to risk management.

  • Support other TDI Risk Management group as subject matter experts in Insurance, Model, and Capital Adequacy Risk.

  • Educate TDBG/TDI management on insurance risk.

  • Effectively communicate risk management practices and methodologies and results of risk assessments to Senior Executives.

  • Create and implement a risk-based methodology to support appropriate risk assessment coverage across Business Application Risk Assessments.



Requirements:





  • Fellow of the Canadian Institute of Actuaries.

  • Fellow of the Casualty Actuarial Society or the Society of Actuaries.

  • Minimum 10 years of experience at an insurance company in a variety of roles.

  • Strong knowledge of capital management, insurance product pricing, reserving, and reinsurance.

  • Experience in risk management an asset.

  • Superior communication, facilitation, and consensus-building skills.

  • Strong problem-solving skills and the ability to proactively identify risks/issues and recommend solutions.

  • The ability to challenge status quo and to influence change.

  • High degree of organizational awareness and sensitivity.

  • Superior multi-tasking skills and the ability to work in a fast-paced, often deadline-oriented and dynamic environment.

  • High degree of personal initiative.

  • Ability to operate in an evolving, often ambiguous, environment.

  • Proven people management and coaching skills.

  • Proven ability to foster a cohesive team and promote a positive, high-performing work environment.

  • Experience developing and executing on strategies and delivering superior results.

  • Strong analytic skills, including segment risk analysis, data analysis, and comparative analysis.

  • Strong business and financial acumen.



About TD:



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.



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.



Colleague Development:



We're committed to providing the support our colleagues need to thrive both at work and at home. 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.

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