Director, Fraud Operations
Requisition ID: 273679
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Reporting to the Vice President, Canada Fraud Management, this role has overall accountability for the leadership and oversightof

Fraud Operationsat

Tangerine, ensuring business strategies, plans,and day-to-day activitiescomplywith governing regulations, internal policies,and procedures.

The incumbent is accountable for developing

Tangerine's fraud prevention and detection strategies, policies,and programs across its broadrangeof products and delivery channels, as well asleadinginitiatives to safeguard

Tangerine'sreputation, maintain customer confidence,and minimize losses to the Bank.

Strategically, thisrole must continue to evolve the Fraud Operations strategy to mitigate fraud risk andreduce fraud losses.
**Is this role right for you? In this role you will:**
Leadanddrivea customer-focused culture throughouttheteam to deepen client relationships and leverage broader Bank relationships, systems,and knowledge.

Leads the transformation, design, development, and sustainment of fraud operations strategies, processes and policies intended to reduce the Bank's exposure and minimize losses resulting from criminal activity across a broad range of complex products and delivery channels.

In conjunction withthe

Fraud senior leadership team,contribute tothe long-term strategic direction of Fraud

Managementand provide inputintothe designandimplementation of the overall fraud management strategic roadmap and future initiatives, includingthe

AutomationandAI program.

Leverages and continually monitors fraud prevention best practices to ensure ongoing effectiveness in detecting fraudulent activity.

Ensures reporting and key metrics are established, reviewed, and leveraged as part of the management of the function.

Works with Fraud Analytics resources in Global Fraud Management.

Leads the monitoring and reporting of fraudulent activities and the communication with customers, partners and stakeholders.

Leadincidents, asappropriate,byleveraging support from the Cyber Fraud Incident team within Global Fraud Management.

Keep abreast of emerging issues, trends,and evolving regulatory requirements,and assesstheirpotential impacton customers,the

Bank,and appropriate actions.

Employs a best-in-class operating model to mitigate fraud losses, improve efficiencies and increase productivity, thus enhancing the customer experience, reducing the Bank's exposure to fraud and delivering a best-practice control environment.

Collaborate with business leaders to proactively identify threats, vulnerabilities,and operational gaps,and addressemerging trends.





Provide overallmanagement of Tangerine Fraud Relationship Management and governanceoverfraud key metrics, includingKPIs and KRIs,to measure fraud exposure and the effectiveness of fraud mitigation strategies.

Provide advice and counsel to the Bank's Senior Management and Business Line Management in the assessment and management of fraud issues to ensure business decisions balance business growth and fraud risk management; and partner with other key stakeholders in Tangerine to ensure adherence to policies and procedures.

Directs day-to-day activities in a manner consistent with the Bank's risk culture and the relevant risk appetite statement and limits.

Communicates the Bank's risk culture and risk appetite statement throughout their teams.

Creates an environment in which his/her team pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.

Builda high-performance environment andimplementa people strategy that attracts, retains, develops,and motivatestheteam by fostering an inclusive work environment,communicatingthe vision,values, andbusiness strategy,and managing succession and development planning.

Create a high-performance environment where employees invest wisely, take accountability, andfocuson the rightpriorities.

Ensure timely, high-quality, efficient, and effectiveprocesses and proceduresthatenable business partners' success and deliver a superior customer experience.
**Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:**
Post-Secondary Education with a minimum of 10 years of relevant experience (or equivalent business-related experience) at the executive level.

In-depth knowledge of laws and regulations associated withfraud management, withademonstrated ability to stayabreast of criminal trends,identify currentandpotential risks to the Bank and its assets, and take appropriate action.





Excellent written and verbal communication skills, with the abilityto interacteffectively with the

Bank's Executive Management team, industryandregulatory bodies,and peers at other financial institutions.
**What's in it for you?**
A rewarding career path with diverse opportunities for professional development
An organization committed to making a difference in our communities — for you and our customers.
A competitive rewards program that includes an annual bonus, flexible vacation, personal and sick days, and comprehensive benefits that start on your first day.

Diversity, Equity, Inclusion & Allyship — We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and embraced through bias-free practices and inclusive values across Scotiabank.

We embrace diversity and provide opportunities for all employees to learn, grow, and participate through our various Employee Resource Groups (ERGs), which span diverse gender identities, ethnicities, races, ages, abilities, and veteran statuses.

Accessibility and Workplace Accommodations — We value the unique skills and experiences every individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone.

Scotiabank continues to locate, remove, and prevent barriers so that we can build a diverse and inclusive workplace while meeting accessibility requirements.

Location(s):
Canada: Ontario : Toronto
Scotiabank is a leading bank in the Americas.

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.

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone.

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.

If you require technical assistance, pleaseclick here (https://www.scotiabank.com/careers/en/careers/technical-support-for-applicants.html) .

Candidates must apply directly online to be considered for this role.

We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

📌 Director, Fraud Operations (Toronto)
🏢 Scotiabank
📍 Toronto