Job Description

Associate, Capital Risk US

Location(s): Charlotte, New York, Mount Laurel

Position Summary

We are looking for an Associate to join TD's Capital Risk & Governance team. This role will be part of a specialized team of capital risk professionals providing independent risk management oversight of the US Capital Management team and is responsible for ensuring that all significant capital risks are thoroughly understood, analyzed, and measured against the Bank's risk appetite.

Key Accountabilities:

• Provide oversight of US Capital Management, including independent reviews of capital position reporting, stress testing results (including DFAST), baseline forecasting, limit calibration, and capital actions.
• Foster a positive risk culture and work environment that promotes understanding of underlying risks, teamwork, and timely communication of issues.
• Support the preparation of materials for committee meetings.
• Oversee Capital Risk monitoring, control procedures, and documentation to ensure Capital Risk processes are compliant with US regulations.
• Proactively identify process efficiencies where opportunities exist.
• Participate in cross-functional / enterprise initiatives to build subject matter expertise
• Liaise closely with other business partners including Treasury, Balance Sheet Management, other second-line of defense risk partners, and Internal Audit.

• Keep current on emerging issues, trends, and evolving regulatory requirements and grow knowledge of the businesses and related products.

Job Requirements:

• 4-year degree required
• 3+ years relevant experience in Risk, Treasury, Accounting/Finance or Audit preferred
• Familiarity with capital planning and stress testing regulations
• Demonstrated strong conceptual and analytical abilities
• Advanced problem-solving and investigative skills
• Strong communication skills (both written and verbal)
• High attention to detail and ability to work independently to multi-task/manage priorities and meet tight deadlines

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.) Never
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Never
• Bending Never
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Never
• 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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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