Is this role right for you? In this role, you will: Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Regional Strategy & Frameworks Enforce the digital application fraud strategy for International Banking, including standards for identity proofing, fraud scoring, escalation thresholds, and lifecycle controls.

Establish and maintain a first‑party and synthetic fraud framework aligned to global policies and IB digital growth objectives.

Capability Building Across Countries Act as the regional subject‑matter expert to support countries in strengthening application controls.

Lead engagement with country teams to support adoption of frameworks and standards for first-party and synthetic identity fraud prevention.

Monitoring & Trend Analysis Maintain a regional view of fraud trends, attack vectors, and performance indicators across digital origination channels.

Consolidate and analyze fraud risk indicators, emerging threats, portfolio trends, and control effectiveness metrics across countries.

Governance & Standards Develop standards, templates, and methodologies to support consistent application fraud risk management across geographies.

Review and challenge major fraud‑related initiatives (digital onboarding changes, data/identity tools, new product flows).

Identify, Select and Coordinate onboarding activities, for third-party providers supporting fraud prevention, identity verification, investigations, analytics, or governance functions.

Ensure compliance with global policies and alignment with the Retail Credit Risk framework.

Stakeholder Engagement Build and maintain relationships with country risk teams, Enterprise Fraud, and Global Retail stakeholders.





Communicate fraud insights and recommendations to senior audiences in a clear, actionable way.

Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Creates an environment in which their team pursues effective and efficient operations of their 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.

Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and, managing succession and development planning for the team.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have: University degree in Business, Law, Risk Management or related field. 3+ years of experience in fraud risk, credit risk, or operational risk.

Experience with process optimization, portfolio monitoring and strategy implementation Ability to influence and lead in an evolving, multi‑country environment.

Fluency in English and Spanish preferred.

What’s in it for you? An inclusive & team-oriented working environment that encourages creativity, curiosity, and celebrates success! We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one! Your career matters! You will have access to career development and progression opportunities.

📌 Senior Manager, Fraud & Risk Strategy (Toronto)
🏢 Scotiabank
📍 Toronto