Title: Senior Legal Counsel, Retail and Credit Cards - Tangerine Contributes to the overall success of the Legal Department in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities are conducted in compliance with governing laws in addition to internal policies and procedures. Champions a customer focused culture to deepen client relationships and leverage internal Legal and broader Bank relationships, systems and knowledge.

Champions a risk awareness culture and ensure that legal and reputational risks are identified and managed within Tangerine Bank’s risk framework. Ensure timely action is taken to effectively manage and mitigate legal and regulatory risks, including prompt escalation of issues as per established processes to ensure the Bank’s objectives are met. Understands how the Bank's risk appetite and risk culture should be considered in day-to-day activities, advice and decisions and provide legal advice with an awareness of the need to minimize reputational, legal and regulatory risk.

Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Champions a high-performance environment and contributes to an inclusive work environment.

Represents Tangerine

Bank at select meetings or on committees with government, public and private organizations; Supervises the work of outside counsel and supporting staff including appraising work performance and retaining outside counsel under Legal policies and reviewing invoices. Works closely with Compliance to handle regulatory compliance issues, analyze and interpret banking regulations, and review/revise reports that are being submitted to the FCAC, and respond to other regulatory requests. Participates in making recommendations on the course of action to be taken during litigation and regulatory matters with advice and support from internal and/or external counsel.

Provides legal analysis, documentation, negotiation, preparation, review, research and advice and counsel to Tangerine Bank and its business lines on matters of above average complexity in the development and improvement of both new and existing programs, products and services, policies and procedures.



Researches legal issues of substantial complexity on a national basis or regional basis and researches proposed federal and provincial legislation to evaluate impact on Tangerine Bank; may initiate the research of more junior counsel or articling students or outside counsel; informs management on developing legal trends and their impact and recommends courses of action; creates and maintains practices and procedures and related precedents within the Legal Department that can be leveraged by Legal and/or for use by business line partners as appropriate. Provides legal analysis, documentation, negotiation, preparation, review, research, advice, and counsel to Tangerine Bank’s retail banking business line on matters of above average complexity in developing and improving both new and existing products, services, programs, policies and procedures for retail deposit accounts, term investments, and registered plans.

Provides counsel and legal support on issues concerning provincial consumer protection legislations, Bank Act, Payments Canada rules, provincial consumer reporting legislations, and e-commerce laws. Drafts, reviews and revises a wide variety of customer-facing documents and materials such as retail banking agreements, terms and conditions, marketing, advertisements, press releases, and articles. Works closely with Compliance department to handle regulatory compliance issues, analyze and interpret banking regulations, and review/revise reports that are being submitted to FCAC.

Responds to inquiries made by other customer-facing departments that handle customer complaints and inquiries such as Ask Operations, Escalated Customer Concerns Office, Customer Complaints Appeals Office and Corporate Communications. Negotiates, drafts, and revises the Bank’s agreement with payment networks and other third-party payment/money transfer service providers. Provides practical and risk based legal advice/guidance to retail banking business and other functions within the Bank such as Global Sanctions, AML, Fraud, Marketing and Privacy.

Retail Banking

Provides legal analysis, documentation, negotiation, preparation, review, research, advice, and counsel to Tangerine Bank’s retail banking business line on matters of above average complexity in developing and improving both new and existing products, services, programs, policies and procedures for retail deposit accounts, term investments, and registered plans. Provides counsel and legal support on issues concerning provincial consumer protection legislations, Bank Act, Payments Canada rules, provincial consumer reporting legislations, and e-commerce laws. Drafts, reviews and revises a wide variety of customer-facing documents and materials such as retail banking agreements, terms and conditions, marketing, advertisements, press releases, and articles.

Works closely with Compliance department to handle regulatory compliance issues,



analyze and interpret banking regulations, and review/revise reports that are being submitted to FCAC. Responds to inquiries made by other customer-facing departments that handle customer complaints and inquiries such as Ask Operations, Escalated Customer Concerns Office, Customer Complaints Appeals Office and Corporate Communications. Negotiates, drafts, and revises the Bank’s agreement with payment networks and other third-party payment/money transfer service providers.

Provides practical and risk based legal advice/guidance to retail banking business and other functions within the Bank such as Global Sanctions, AML, Fraud, Marketing and Privacy.

Unsecured

Lending / Credit Cards / Business Banking Provides legal analysis, documentation, negotiation, preparation, review, research, advice, and counsel in support of: Credit Cards, Lines of Credit (unsecured/Retail), Business Banking; support payment network matters as applicable; and a variety of legal matters including matters that are quite complex or have potential for significant material impact on the organization. Provide prompt, commercial, practical and often complex and/or specialized legal advice to the Unsecured Lending Group and Business Banking, including being pro-active in the provision of legal support and in advising the business promptly of material legal developments and their implications. Ensure the Executive Legal Group/ Senior Management for Retail Products & Unsecured Lending (RPUL) and Business Banking are fully briefed on major issues arising in relevant business areas and major legislative changes in area of expertise.

Graduate of a recognized law school with 8-10 years or more of significant practical in-house or private practice experience Membership in the Law Society of one of the provinces of Canada. Robust knowledge, expertise and experience in banking and payment industries including payments, credit cards, unsecured lending, retail banking. Familiarity with small business banking is an asset.

The position requires a high degree of analytical, human relations and communications skills, and a thorough knowledge of specialized areas of law. Sophisticated drafting and writing skills. Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!

Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know.

📌 Senior Legal Counsel, Retail and Credit Cards - Tangerine (Toronto)
🏢 Tangerine Bank
📍 Toronto