Business Insights Specialist, Insider Fraud Detection & Analytics

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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.

Job Description:

Job Summary

The Business Insights Specialist, Insider Fraud Detection & Analytics, is responsible for supporting the development and enhancement of insider fraud detection strategies through advanced analytics, business intelligence, and fraud risk identification. This role partners with Fraud, Investigations, Compliance, Risk, and Technology teams to identify emerging insider threats, monitor employee activity for unusual patterns, and drive data-informed decision-making.

The successful candidate will leverage fraud expertise, strong analytical thinking, and advanced coding skills in Python and SQL to develop actionable insights, support detection rule development, and enhance the effectiveness of insider fraud monitoring programs.

While direct Insider Fraud experience is preferred, candidates with experience in First-Party Fraud, Third-Party Fraud, Financial Crimes, AML, Investigations, or Risk Analytics are strongly encouraged to apply.

Key Accountabilities

Fraud Analytics & Detection Insights

• Analyze large, complex datasets to identify suspicious employee activity, fraud trends, and emerging insider risks.
• Support the development and optimization of fraud detection scenarios through data-driven analysis.
• Conduct trend, behavioral, and risk-based analyses to identify potential indicators of insider misconduct.
• Perform root cause analysis on fraud events and detection gaps.
• Recommend enhancements to existing monitoring and detection strategies.

Business Intelligence & Reporting

• Develop and maintain dashboards, scorecards, and reporting solutions that measure fraud risk exposure and detection effectiveness.
• Translate complex analytical findings into meaningful business insights for senior leadership and operational partners.
• Produce recurring and ad hoc reporting on fraud trends, detection performance, and key risk indicators.
• Monitor and evaluate detection rule performance, false positive rates, and alert volumes.

Data Analytics & Automation

• Develop advanced SQL queries to extract, transform, and analyze data from multiple enterprise data sources.
• Utilize Python to automate analytics processes, perform statistical analyses, and develop scalable monitoring solutions.
• Support data validation, quality assurance, and analytical model development.
• Create repeatable processes and automated reporting solutions to improve operational efficiency.

Stakeholder Partnership

• Collaborate closely with Fraud Strategy, Investigations, Compliance, Risk Management, Technology, and Data Engineering teams.
• Gather business requirements and translate them into analytical solutions.
• Present findings, recommendations, and key insights to stakeholders at various levels of the organization.
• Support strategic fraud initiatives and ongoing enhancement activities.

Required Qualifications

Fraud & Risk Experience

• 3+ years of experience in Fraud Management, Fraud Analytics, Financial Crimes, AML, Investigations, Risk Analytics, or a related field.
• Experience identifying fraud trends and developing data-driven recommendations.
• Strong understanding of fraud typologies, fraud controls, and investigative processes.

Technical Skills

Advanced SQL

• Complex joins and subqueries
• Analytical and window functions
• Data reconciliation and validation
• Large-scale data analysis

Advanced Python

• pandas
• numpy
• data transformation and automation
• statistical analysis
• anomaly detection techniques
• reporting automation

Analytical Capabilities

• Strong problem-solving and critical thinking skills.
• Ability to identify trends, anomalies, and emerging risks from large datasets.
• Experience translating data into actionable business recommendations.
• Strong written and verbal communication skills.

Preferred Qualifications

• Insider Fraud or Insider Risk Management experience.
• Financial institution or banking experience.
• Detection strategy or rule development experience.
• Employee misconduct, data snooping, or unauthorized activity monitoring experience.
• Experience working with Databricks, Spark SQL, Snowflake, or cloud-based analytical platforms.
• Knowledge of machine learning or predictive analytics techniques.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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 future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):