Specialist, Fraud & Insider Risk Strategy & Modeling Oversight (US)

TD • Charlotte, NC

82d • $95,264 - $155,376

About The Position

As a member of the Bank's second line of defense, the Specialist, Fraud & Insider Risk Strategy & Modeling Oversight contributes to the oversight, monitoring, and challenge of both external fraud and insider risk detection capabilities. This role supports senior leadership in assessing the design and performance of fraud strategies, rules, and models throughout the customer lifecycle, as well as internal risk controls related to IT, cybersecurity, and HR. The Specialist collaborates with Model Risk Management and other stakeholders on activities such as model documentation, risk tiering, validation support, and change classification. The position requires working knowledge of a wide range of detection tools, including device, identity, behavioral, orchestration, and user behavior analytics (UBA/UEBA). It also requires familiarity with insider-risk monitoring such as anomaly detection, entitlement monitoring, and controls around privileged access, segregation of duties, toxic combinations, and dual controls. The Specialist assists in evaluating the effectiveness of these tools and practices while ensuring governance alignment. This role is analytical and detail-oriented, with a focus on supporting monitoring, governance, and documentation to promote effective fraud and insider risk detection practices and alignment with regulatory expectations. The Specialist prepares clear, data-driven summaries and contributes updates for risk committees and working groups on trends, key risk indicators, and emerging threats. Additionally, the role plays a key part in preparing reporting materials, maintaining governance records, and supporting communications that translate technical insights into clear, concise narratives for senior stakeholders. This role is developmental in nature, offering opportunities to deepen knowledge in analytics, AI/ML applications, and governance, while building cross-functional collaboration skills across HR, Cybersecurity, Audit, Risk, and Technology functions.

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 5+ years of relevant experience.
• 7-10 years of experience in fraud risk, insider threat, cybersecurity, risk management, analytics, internal audit, or investigations within financial services.
• Exposure to external fraud risk types such as account takeover, identity theft, and synthetic identity.
• Familiarity with insider risk concepts such as privileged access and segregation of duties.
• Strong analytical skills with proficiency in data analysis.
• Effective communicator with strong written and verbal skills.

Nice To Haves

• Bachelor's degree in analytics, data science, statistics, or a related field strongly preferred.
• Familiarity with fraud detection tools and techniques.
• Interest in developing knowledge of AI/ML applications and regulatory expectations.

Responsibilities

• Contribute to the oversight, monitoring, and challenge of external fraud and insider risk detection capabilities.
• Support senior leadership in assessing the design and performance of fraud strategies, rules, and models.
• Collaborate with Model Risk Management on model documentation, risk tiering, validation support, and change classification.
• Evaluate the effectiveness of fraud detection tools and practices.
• Prepare clear, data-driven summaries for risk committees and working groups.
• Maintain governance records and support communications for senior stakeholders.
• Lead activities related to delivery of data deliverables.
• Conduct walkthroughs of data deliverables for approval/sign-off.
• Participate in cross-functional initiatives as a subject matter expert.

Benefits

• Base salary and variable compensation/incentive awards.
• 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 opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees