Credit Review Early Warning – Crew – Analyst

Credit Review Early Warning – Crew – Analyst

Requirements

• High School diploma required; Undergraduate degree preferred
• 5+ years relevant experience
• Seasoned knowledge of variety of products and services, systems, standards, procedures, laws, rules and regulations
• Knowledge of current and emerging trends
• Skilled in using analytical software tools, data analysis methods and reporting techniques
• Skilled in using computer applications including MS Office
• Ability to communicate effectively in both oral and written form
• Ability to work collaboratively, build relationships and mentor/coach others
• Ability to work successfully as a member of a team and independently
• Ability to exercise sound judgement in making decisions
• Ability to analyze, organize and prioritize work while meeting multiple deadlines
• Ability to handle confidential information with discretion

Responsibilities

• Investigates transactions escalated by the business units for suspicious activity and works directly with partners to identify gaps that provide opportunities for fraud to infiltrate the organization
• Evaluates current fraudulent activity perpetrated against the Bank and identifies opportunities for enhancing the Bank’s fraud prevention systems and processes in an effort to reduce losses
• Makes recommendations for enhancements that will create or enhance fraud detection techniques that mitigate exposure without sacrificing the customer experience
• Provides daily support to businesses/functions and Risk partners by investigating transactions escalated for lending fraud concerns
• Performs preliminary investigative duties to determine if suspicious activities are evident
• Prepares case files comprised of supporting documentation for review decision, and acts as liaison between business units and Global Security & Investigations
• Delivers fraud awareness training for newly hired and incumbent Operations support personnel
• Reviews lending policies and procedures to ensure best practice fraud-prevention and detection practices are addressed
• Creates and maintains accurate department records for all escalated cases
• Communicates investigative findings and reports to all levels of management that identify trends and exposure areas, while developing corrective actions that reduce exposure throughout the organization
• Coaches and mentors junior Fraud Agents to improve business results and minimize exposure to Fraud events

Preferred Qualifications

• Ability to write code in SQL or other programming language(s) and pull application / account data from various TD systems is highly desired
• Experience Collaborating closely with various teams such as TPI strategy team and US Fraud Management to monitor and identify or confirm trends, work out tactical solutions based on emerging TPI trends
• In-depth knowledge of credit card industry underwriting practices and procedures, including consumer credit and other related regulatory guidelines is preferred
• Experience researching applicable policies, consulting with supervision in order to evaluate situations, deciding on correct responses and communicating answers to customers
• Experience assisting with credit card individual customer and small business applications credit decision process