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Senior Manager
TCF Bank
Plymouth, MN, United States
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Description
TCF Bank is seeking a Senior Manager Retail Banking Risk Mitigation to join our team! This role is located in our Plymouth Corporate Center. Competitive pay, a comprehensive benefits plan, and opportunities for career advancement make this a career opportunity you won't want to miss. Plus, we offer an inclusive team-oriented work environment with the support you need to succeed. Join our team and experience the difference!
As a senior leader this position will be accountable for effective leadership of and execution of TCF’s risk based operations through vendor management, ongoing process improvement, driving technology improvements, risk mitigation strategies and operational execution. Provides vision and strategic development to proactively mitigate risk, manages the onboarding customer data quality risks with a focus on the customer experience. This includes leading a team to ensure controlled, efficient and consistent processes as well as appropriate communication with both internal and external stakeholders. Oversight and ownership in delivering timely, accurate and high quality deliverables through team members with a continued focus on process enhancement. Responsible for executing business initiatives to drive improvement. Serves as a resource and liaison for business process and technology changes, provide leadership to cross-functional project teams for process improvement and automation initiatives.
Major areas of accountability:
• Direct the implementation of servicing solutions across the Retail Banking organization. Collaborate with partner teams and technical program managers to move risk based process improvements from vision to delivery. Execute business initiatives to drive customer, employee process improvement and cost reduction changes.
• Manage on-going business projects, relationships and people to execute business priorities associated with transaction process automation, expansion of transaction offerings to enhance TCF’s customer experience and the implementation of new technology solutions.
• Provide leadership to teams across the Retail Banking organization to enable payments and transactional transparency while leveraging capability across business lines to accomplish payments strategies. As a SME, develop recommendations for new solutions which will include defining business requirements, socializing recommended solutions, and obtain internal approvals from key stakeholders and ensure compliance. Partner with internal stakeholders to model the impact solutions will have on TCF, e.g. cash flow, and identify and mitigate TCF's risk exposure. Engage with internal/external partners (retailers, software providers and other financial institutions) to build out these solutions.
• Investigate and propose ways to utilize technology to create innovative solutions that are aligned with customer expectations, mitigate compliance risks and can be used across the organization in a cost effective, sustainable way contributing to the bottom-line.
• Develop and maintain a 5-year vision and a 2-year strategic plan for payments and customer experience servicing solutions.
• Ongoing ownership of Customer Servicing operational processes which will include work flow development and process automation to enhance the customer experience and mitigate risks. Redefine job requirements for roles, as needed that are aligned with customer and risk mitigation expectations.
• Oversight and ownership for ensuring timely and accurate accounting and reporting, including close process execution and all related activities and controls associated with ensuring accurate recording of activities and transactions
• Provide oversight to assure that processes in all areas of responsibility are adequately and effectively controlled and that effective change management is in place. Identify, measure and report on meaningful process metrics to evaluate effectiveness of the team and inform process enhancement initiatives.
• Resolve difficult or complex problems or issues that arise, and oversee special projects assigned to the department. Drive meaningful process changes and/or improvements to increase efficiency, maintain credibility and continue to meet the needs of an ever-changing business and regulatory environment.
• Effectively partner with and manage remote vendor teams to deliver account reconciliations and prioritize activities.
• Provides leadership, coaching and mentoring to the team. Tracks employee performance and initiates employee action plans, where applicable. Develops analytic, leadership and work skills of team members; providing team members with the experience needed to further their career development.
• Responsible for interviewing and selection of staff, preparing and conducting performance reviews, coaching and developing team members, resolving employee issues, and partnering with Human Resources to handle disciplinary actions as needed.
• Manage the business forecasting and capacity planning. Understand and utilize data metrics to ensure optimal performance is achieved.
• Ensure compliance with Federal and State regulation, other regulatory agency rules and requirements and TCF’s Terms and Conditions. Maintain knowledge of diverse banking products.
• Provide leadership to Retail Banking cross functional project teams for initiatives including the expansion of offerings, customer experience process improvement and automation initiatives. Identify process improvement opportunities, develop recommendations for new risk management solutions, define business requirements, socialize recommendations and obtain approvals from key stakeholders.
• Provide subject matter expertise. Ensure quality decisions are made using tools and considering long term implications.
• Focused on strengthened compliance activities ensuring strong controls of internal processes and external vendor resources mitigating risks inclusive of but not limited to The Fair Debt Collection Practices Act (FDCPA). The Electronic Fund Transfer Act (EFTA), The Fair Credit Reporting Act (FCRA), The Gramm-Leach Bliley Act (GLBA), The Equal Credit Opportunity Act (ECOA), The Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and Telephone Consumer Protection Act (TCPA).
Qualifications
Education
Required:
• Bachelor's degree in related discipline or equivalent work experience
Preferred:
• MBA
Required Experience
• Minimum 10 years’ experience in Finance or Technology related field; including project management experience with at least 3 years of experience managing a team
• Proven success in managing relationships
• Proven success in mitigating compliance and regulatory risks
• Demonstrated business leadership of people with proven ability to influence change
• Demonstrated track record leading projects and/or process improvements initiatives
• Strong communication skills with ability to effectively present ideas to senior management, cross-functionally team and external stakeholders
• Strong negotiation skills
Preferred Experience
• Experience in financial services industry
• Experience with customer experience process improvements, e.g. workflow and case management
• Digital / Payments Technology experience with ACH, Card, Check, Cash, Online, Mobile, and / or emerging payments.
• Experience in Consumer banking processes and a wide array of risk management solutions
Supervisory Responsibilities
• Perform supervisory functions, including but not limited to, making employment decisions regarding hiring, promoting, demoting and terminating, conducting performance appraisals and coaching and developing staff.
About TCF
Established in 1923, TCF has maintained a strong foundation. TCF has over 340 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Arizona and South Dakota, providing retail and commercial banking services. TCF also conducts commercial leasing, indirect auto finance, and equipment finance business in all 50 states, and commercial inventory finance business in all 50 states and Canada.
Benefits
TCF encourages open employee communications and promotes from within whenever possible.
We offer competitive pay, a comprehensive benefits plan, and opportunities for career advancement. For more details on our benefits, click on the Employee Benefits link on our career page.
Proud to be an equal opportunity employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, or other status protected by applicable law. TCF is proud to be an affirmative action/equal opportunity employer. Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.