ORM Lead Business Insights Specialist, Stress Testing & Scenario Analysis

TD Bank • Mount Laurel, NJ

9d

About The Position

ORM Lead Business Insights Specialist, Stress Testing & Scenario Analysis will serve as a key resource leading ORM’s stress testing and scenario analysis program. This role requires ability to execute advanced quantitative modeling along with managing high-stakes regulatory governance. The Lead Business Insights Specialist acts as an advisor to business leaders and stakeholders. This role provides comprehensive analytical support, interpretation of complex data, BI or analytics outcomes to generate multidimensional insights that drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations.

Requirements

• Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science)
• Graduate's degree preferred with either progressive project work experience, or;
• 7+ year of relevant experience; higher degree education and research tenure can be counted
• Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs
• Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience
• Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business
• Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate
• Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations
• Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution
• Provides day-to-day support and delivery of analytics
• Represents functional area as a business insights & analytics specialized expert
• Synthesizes complex and vast amount of information and translates into actionable insights and strategy
• Builds business requirements and facilitates project execution to develop insights
• Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value
• Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers
• Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly
• Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand
• Provides business explanation for anomalies/outliers identified during analysis
• Works with business functions and analytics teams to transition business requirements to analytics requirements
• Trains business users on how to integrate analytics into decisions
• Leverages knowledge of data capabilities to build and deliver insights
• Develops analysis to corroborate initial proof of concept
• Executes on data requests accurately and within a timely manner
• Identifies and investigates data/analytics related issues
• Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
• Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• 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
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• 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
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Nice To Haves

• 5+ years of experience in stress testing (CCAR/DFAST), operational risk modeling, or capital planning.
• Experience with OSFI (Canada) regulatory requirements is a strong asset, in addition to US Fed requirements.
• Master’s degree in a quantitative discipline (Finance, Statistics, Economics, Data Science).
• Proficient in data manipulation (Pandas) and statistical modeling.
• Advanced skills in Power BI (reporting) and Power Automate (workflow optimization).
• Deep understanding of operational risk capital methodologies (LDA, Monte Carlo, Frequency/Severity modeling).
• Proven ability to manage regulatory relationships and defend methodologies to Model Validation and Audit.
• Strong leadership skills to oversee a focused team of professionals.

Responsibilities

• Regulatory Execution: Lead the end-to-end delivery of the ORM Stress Testing Program, ensuring all regulatory requirements for operational risk losses and capital are met within required timelines.
• Scope: Manage the execution of: US Regulatory: Dodd-Frank Act Stress Testing (DFAST) and Comprehensive Capital Analysis and Review (CCAR). Canadian Regulatory: OSFI Macro Stress Test (MST). Internal: Annual Enterprise-wide Stress Test (EWST) and ad-hoc requests.
• Scenario Analysis: Lead the development and implementation of the Scenario Analysis program, ensuring alignment with enterprise standards and regulatory requirements.
• Methodology & Documentation: Aid in the development and execution of the methodology, procedures, and documentation for operational risk stress testing programs.
• Collaboration: Partner extensively with key stakeholders to ensure program success, including Model Development and Model Validation, ORM Internal Loss Event Data team, Enterprise Capital Stress Testing, US CCAR Governance team, Finance, Regulators, and External Consultants
• Advanced Analytics: Utilize Python to handle large datasets and apply modeling techniques such as Loss Distribution Approach (LDA), Regression Modeling, and Scenario Analysis to forecast losses.
• Process Automation: Design and deploy Power Automate flows to streamline data collection from stakeholders (e.g., Scenario Analysis workshops) and automate approval workflows.
• Reporting & Visualization: Build and maintain Power BI dashboards to visualize stress test results and scenario impacts for senior management and the US CCAR Governance team.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees