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Risk Analyst – 2LoD Controls Testing at TD Bank, New York, with competitive pay ($61k–$99k) and career growth.
Lead independent testing of controls and regulatory reporting, leveraging AI tools for process improvement.
Work Location
New York, New York, United States of America
Hours
40
Pay Details
$61,880 - $99,320 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business
Governance & Control
Job Description
The Governance & Control Analyst III provides specialized business governance and control guidance and support for a business or functional area and implements policies/processes and/or initiatives to meet business governance and control objectives. May provide complex reporting, analysis, testing and assessments at the functional or enterprise level and is generally a lead or SME for a given area/function.
Department Overview
TD Bank is guided by the Three Lines of Defense (LOD) Risk Framework: Risk Ownership (1LOD), Risk Oversight (2LOD), and Internal Audit (3LOD). The second line is independent of the business and provides policies, standards, and methodologies, with the authority to assess and challenge the first line to ensure adherence to those standards. In this role, you will support the execution of independent 2LOD controls testing across business processes and technology platforms, and contribute to regulatory and internal risk reporting.
Depth & Scope
Experienced working professional role providing specialized services, advisory or processes/program support within their own area of specialty
Requires business experience, conceptual and practical knowledge of own specialty and knowledge of broader related areas
Accountable for own work and acts as an escalation point or knowledge resource for others
Leads projects or work streams within broader projects with moderate risk and may be accountable for managing ongoing activities, processes and functional programs
Works within broad guidelines/policies and independently performs tasks from end-to-end
Solves moderately complex problems by taking a new perspective on existing solutions
Exercises judgment based on the analysis of multiple sources of information
Conveys business context when providing guidance within field of specialty to internal or external stakeholders
Identifies and leads problem resolution
Education & Experience
Undergraduate degree preferred
Broad knowledge of business and risk and control environment
4+ years of relevant experience
Solid knowledge of governance, risk and control procedures, strategies & tactics
Knowledge of current and emerging trends
Skill in using analytical software tools, data analysis methods and reporting techniques
Skill in using computer applications including MS Office
Ability to communicate effectively in both oral and written form
Ability to work collaboratively and build relationships
Ability to work successfully as a member of a team and independently
Ability to exercise sound judgement in making decisions
Ability to analyze, research, organize and prioritize work while meeting multiple deadlines
Ability to process and handle confidential information with discretion
Additional Responsibilities
The Risk Analyst is responsible for supporting the execution of independent Second Line of Defense (2LoD) testing and validation programs across regulatory reporting, internal risk reporting, data risk management, and liquidity and capital risk management. This role provides independent review and challenge of First and Second Line processes, controls, data, and reporting practices to assess compliance with regulatory requirements, internal standards, and industry-leading practices. Responsibilities include evaluating end-to-end data lineage, data transformations, calculation methodologies, control frameworks, and reporting governance to validate the integrity, accuracy, and regulatory compliance of risk management and reporting processes.
The ideal candidate has hands-on experience and knowledge of controls testing, root cause analysis, operational risk management, regulatory reporting requirements, and liquidity and capital risk management. The Risk Analyst is expected to work with a team of testing professionals as well as stakeholders across business, risk, finance, technology, and data management functions.
Preferred Experience/Qualifications
Execute independent 2LoD testing in the following areas: Control Design & Operating Effectiveness, Transactions Testing, Data Reconciliations, Logic Reperformance, Data Profiling/Analytics, End-User Computing (EUC) Review, Policy & Procedure Review, Governance/Oversight, and Regulatory Rule Compliance
Identify opportunities to streamline and automate controls testing (where appropriate), including through the use of generative AI, agentic AI, and RPI
Support maintenance of the testing inventory and update the testing universe and test plans based on regulatory developments and changes in the internal risk profile
Partner with business and technology stakeholders to discuss key controls, potential control gaps, root causes, and remediation plans
Assess processes and controls end-to-end and connect themes across issues to drive standardization of solutions, processes, and control design
Manage deliverables proactively and provide clear, timely status updates, risks, and dependencies to management
Bachelor’s degree required; advanced degree and/or relevant certifications (e.g., CRISC, CISA, CIA, CPA, FRM, CFA) a plus
2+ years of experience in operational risk, risk management, internal audit, compliance testing, or related roles within financial services
Experience using Microsoft Copilot and other approved generative and agentic AI tools to automate and improve tasks and processes
Knowledge of retail banking products, processes, and associated risk and control frameworks is considered a strong asset
Ability to interpret guidelines, standards, policies, and analysis results to inform decisions and provide effective challenge
Ability to work with large datasets and apply data analytics to support testing, insights, and reporting
Strong attention to detail, with the ability to identify root causes of issues and observations
Strong analytical and organizational skills, including the ability to manage multiple priorities and deadlines
Confidence and judgment to challenge the status quo and engage in constructive challenge when needed
Strong written and verbal communication skills; ability to build and maintain effective working relationships with cross-functional teams
Customer Accountabilities
Provides specialized business governance and control related advice/support to management/leadership and respective teams for area(s) of specialization
Leads on the implementation of governance and control initiatives in support of the overall business/function strategy
Manages a set of business governance and control work activities requiring coordination across multiple areas
Reviews processes and controls and connects the dots across issues and control deficiencies in order to increase standardization of solutions, processes and controls
Supports/manages the integrated implementation of policies/processes/procedures/changes across multiple functional areas
Provides subject matter expertise to projects/initiatives, and participates in identifying, designing and testing solutions and supporting implementation activities
Shareholder Accountabilities
Ensures programs/policies/practices are well-managed, meet business needs/priorities, and comply with internal/external requirements
Exercises discretion in managing communication/correspondence, information and all matters of confidentiality
Conducts research projects; supports the development/delivery of materials and presentations to management or broader audience
Adheres to enterprise frameworks or methodologies that relate to activities for own business area
May lead work streams by acting as a project lead/SME for medium-scale projects/initiatives in accordance with project management methodologies
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high‑risk transactions/activities as necessary
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Is knowledgeable of and complies with Bank Code of Conduct
Employee/Team Accountabilities
Participates as a member of the team, supports a positive work environment and ensures timely communication
Supports team by regularly enhancing knowledge/expertise in own area and participates in knowledge transfer
Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
Keeps others informed about the status/progress of projects
Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
Contributes to a fair, positive and equitable environment
Acts as a brand ambassador for your business area/function and the Bank
Physical Requirements
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Occasional
International Travel – Never
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Never
Squatting – Occasional
Bending – Occasional
Kneeling – Never
Crawling – Never
Climbing – Never
Reaching overhead – Never
Reaching forward – Occasional
Pushing – Never
Pulling – Never
Twisting – Never
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
Who We Are
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our 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. 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. Learn more
Additional Information
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. 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 your full potential to achieve your career goals.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.