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Senior Financial Analyst - Ecommerce & Logistics
Staples Canada, Richmond Hill, ON
Who we are As the Working and Learning Company, we at Staples Canada, are dynamic, inspiring partners to our customers and the communities in which we live. At Staples, we inspire people to work smarter, learn more and grow every day. We look for people who are curious, approachable and passionate, and who enjoy finding solutions. If that's you, let's work, learn and grow together. We are building an inclusive and diverse team Staples Canada is creating an inclusive and diverse work environment. We welcome, value and thrive on perspectives and contributions from backgrounds that vary by race, gender, sexual orientation, gender identity or expression, lifestyle, age, educational background, national origin, religion or physical ability. If you have a disability or special need that requires accommodation, please let us know. Some of what you will do As the Senior Financial Analyst, you will be responsible for providing insightful analysis and recommendations to influence initiatives in the business. You will play a key role in the annual operating budget, forecasting and multi-year planning process and will support programs and the Leadership team by providing evidence based-analysis for effective decision-making. You will be responsible for financial metric assessments across key financials (P&L, Balance Sheet and Cash Flow) and will provide ongoing leadership and financial support to an assigned portfolio of programs from a forecasting and financial planning perspective as well as identify trends and opportunities to drive performance across business units. Each day will be fast-paced, challenging, rewarding and meaningful. Specifically, you will: •Support e-Commerce business unit and focus on 3 primary business functions: Transportation, Warehouses and Website development; this individual will work with the business partners and identify performance drivers, risks and opportunities, and communicating recommendations to drive decision-making through analytics •Build financial models and perform quantitative analysis to evaluate past performance and current trends, with the objective of influencing decision-making •Perform financial modelling, simulations, sensitivity analysis, and testing •Provide analytical support to financial forecasts and operating plans •Provide financial support during capital acquisition request (CAR) process, work with the business to create the business case for senior leadership approval •Compare anticipated and actual results and identify areas of improvement •Create and communicate reporting, presentations, dashboards and business commentary for senior leadership Some of what you need •3 to 5 years experience as a Senior Financial Analyst, Financial Analyst or similar role, including budgeting and planning experience •Experience in retail, particularly multiple-location/national and multi-channel retail is an asset •Bachelor's degree in Business Administration, Statistics, Business Data Analytics, Finance or related field •MBA is considered an asset •Ability to see the 'big picture' in a complex business environment •Excellent analytical skills, with attention to explaining key variances •High proficiency using Microsoft Office programs, primarily Excel, Word and PowerPoint mandatory and experience in building Excel Macros is preferred •Experience in modeling business cases and building management reports •Strong communication skills and the ability to clearly present complex information to non-technical business partners, including senior management •Ability to interpret large amounts of financial and non-financial data and summarize it to present meaningful information to various levels of management •Curious •Approachable •Passionate •Problem solver Some of what you will get •Associate discount •Health and Dental benefits •RRSP/DPSP •Performance bonuses •Learning & Development programs •And more... Additional Information •Office Environment (Hybrid working model, working from home and the office.)
Senior Treasury Analyst, FX and Commodities
Magna International, Aurora, ON
About us We see a future where everyone can live and move without limitations. That’s why we are developing technologies, systems and concepts that make vehicles safer and cleaner, while serving our communities, the planet and, above all, people. Forward. For all. Group Summary Magna is more than one of the world’s largest suppliers in the automotive space. We are a mobility technology company built to innovate, with a global, entrepreneurial-minded team. With 65+ years of expertise, our ecosystem of interconnected products combined with our complete vehicle expertise uniquely positions us to advance mobility in an expanded transportation landscape. About the Role The Treasury group is responsible for the management of global funding, capital raising, liquidity management and various aspects of risk management - including currencies, interest rates, market access, retirement programs and strategies that manage the protection and safeguarding of assets through insurance programs. The group is also responsible for providing guidance to senior management and the Board on macroeconomic conditions and their implications for Magna’s business. We are looking to hire a Senior Treasury Analyst who will report directly to the Director of FX and Commodity Risk. The role will support the daily FX requirements for Magna’s divisions in the Americas, strategic FX hedging program, and help expand the Commodity hedging program. The Senior Treasury Analyst will play an active role in driving the business forward through technology projects including automating workflows. They will also be work with internal and external parties to provide quarterly and year-end reporting. Your Responsibilities FX Execution: Execute FX requests in the market from various divisions in the Americas as well as the corporate groups; Conduct daily FX reconciliation and reporting; Execute hedging transactions using Chatham and 360T platforms FX Forecasting and Reporting: Collaborate with FX director to devise hedging strategies for various group; Collect and review quarterly exposure reports; Advise Business Units (BUs) on effective hedging strategies; Reconcile exposure forecasts for accuracy Commodity Exposure Management: Develop global hedging strategies; Work with the Director and other team members on hedging strategies for the various divisions globally; Advise Business Units (BUs) on effective hedging strategies and reviewing Mark-to-Market (MTM); Hedging execution: Reconcile exposure forecasts for accuracy, Execute hedges with Liquidity Providers and book them in Bloomberg MARS, Explore automation for transaction confirmation to BUs Treasury Technology Initiatives: Create and explore new technology initiatives; Work with the Director and other team members to scope out and drive future technology initiatives; Collaborate with the technology team to increase efficiencies and automate workflows; Initiate longer-term projects focused on automating division forecasts and exposure management. Who we are looking for A degree with a focus on quantitative skills, such as math, engineering, computer science, finance or business Post graduate qualifications are desirable but not required The ideal candidate does not have to have specific knowledge in Treasury or Risk Management but must be proficient in, or have a strong understanding of the following areas: Macroeconomics, Econometrics, Quantitative skills, Advanced proficiency in Excel, medium to advanced skills in python is a plus Experience working with financial platforms such as Chatham Financial, Bloomberg and FX Book of Record systems is a plus Your preferred qualifications Minimum 2 -5 years of work experience in an analytics role Ability to work with other people - in person and virtual What we offer At Magna, you can expect an engaging and dynamic environment where you can help to develop industry-leading automotive technologies. We invest in our employees, providing them with the support and resources they need to succeed. As a member of our global team, you can expect exciting, varied responsibilities as well as a wide range of development prospects. Because we believe that your career path should be as unique as you are. Site Benefits Remote work policy in effect Wellness programs and events On-site cafeteria Parking for electric vehicles Access to private park for employees & their families Accommodations for disabilities in relation to the job selection process are available upon request. Candidates will be required to complete a Criminal Records Check and, if deemed necessary, a Credit Check as part of the candidate selection process Awareness. Unity. Empowerment. At Magna, we believe that a diverse workforce is critical to our success. That’s why we are proud to be an equal opportunity employer. We hire on the basis of experience and qualifications, and in consideration of job requirements, regardless of, in particular, color, ancestry, religion, gender, origin, sexual orientation, age, citizenship, marital status, disability or gender identity. Magna takes the privacy of your personal information seriously. We discourage you from sending applications via email to comply with GDPR requirements and your local Data Privacy Law.
Analyst/Senior Associate - Quantitative Market Risk Models - Financial Engineering & Modelling (FEM)
Deloitte,
Job Type:Permanent Reference code:124818 Primary Location:Toronto, ON All Available Locations:Toronto, ON Our Purpose At Deloitte, we are driven to inspire and help our people, organization, communities, and country to thrive. Our Purpose is to build a better future by accelerating and expanding access to knowledge. Purpose defines who we are and gives us reason to exist as an organization. By living our Purpose, we will make an impact that matters. Be encouraged to deepen your technical skills...whatever those may be. Have many careers in one Firm. Partner with clients to solve their most complex problems Would you like to further develop your career with our exponentially expanding Financial Advisory Service, Modelling and Value Advisory group? Are you up for the challenge to help the most sophisticated Canadian and international clients to solve their quantitative and modelling issues?What will your typical day look like?In this role you will help financial services industry (FSI) clients face quantitative issues with informed confidence. Using your deep technical skills and leveraging our global network of experts, you'll provide professional advice to our FSI clients in a wide range of situations. The result? Our clients will be better placed to take control and receive the best solutions to their complex challenges. During your typical day you will develop/validate/review Capital Markets and Market Risk models (e.g. Financial Derivatives Pricing, VaR, Counterparty Credit Risk, XVA, FRTB, IBOR Transition and CCAR models) based on industry best practices. You will also be able to learn and work in other quantitative and analytical areas such as credit modeling, forecasting and stress testing, customer behavior modeling, and new innovations such as Machine Learning and Artificial Intelligence. You may also carry out various complex financial analyses including independent derivative valuation, customer behavior modeling, and can get involved in new innovations such as Machine Learning and Artificial Intelligence.About the teamDeloitte's Financial Advisory practice delivers highly specialized advisory solutions for companies facing critical business events where significant value is at stake, in every phase of the economic cycle. Our work is often high profile, high impact, and highly rewarding. If you're looking for a challenge and an opportunity to grow your career alongside the best and brightest in the industry, you'll find it in Financial Advisory at Deloitte. Broaden your skills. Broaden your reach. Broaden your career. It's all possible at Deloitte.Enough about us, let's talk about youYou are someone with: 1 to 5 years of relevant experience spent within Capital Markets and/or Market Risk, on model development or model validation/vetting team at a major financial institution Solid academic background with a PhD or Master's Degree in Mathematical Finance, Financial Engineering or other relevant post graduate degree (Engineering, Mathematics, Physics, Statistics) Knowledge of financial products (e.g., options, swaps, etc.) and their modeling and calibration in both risk-neutral and real world across a wide range of products, including interest rate, foreign exchange, equity, commodity and credit derivatives; Solid programming skills (e.g., Python/MATLAB/Visual Basic/C++/C#); Canadian travel may be required and occasional international travel. Candidates may be required to enter the USA to work on client assignments. Knowledge of quantitative methodologies in market risks (e.g.VaR, FRTB, CCR, XVA, etc.) and Economic Capital is an asset; Experience with numerically solving PDEs, employing binomial trees and Monte Carlo methods is an asset. Total RewardsThe salary range for the Analyst position is $62,000 - $92,000 and $75,000 - $113,000 for the Senior Associate position, and individuals may be eligible to participate in our bonus program. Deloitte is fair and competitive when it comes to the salaries of our people. We regularly benchmark across a variety of positions, industries, sectors, targets, and levels. Our approach is grounded on recognizing people's unique strengths and contributions and rewarding the value that they deliver.Our Total Rewards Package extends well beyond traditional compensation and benefit programs and is designed to recognize employee contributions, encourage personal wellness, and support firm growth. Along with a competitive base salary and variable pay opportunities, we offer a wide array of initiatives that differentiate us as a people-first organization. Some representative examples include: $4,000 per year for mental health support benefits, a $1,300 flexible benefit spending account, 38+ days off (including 10 firm-wide closures known as "Deloitte Days"), flexible work arrangements and a hybrid work structure.Our promise to our people: Deloitte is where potential comes to life. Be yourself, and more. We are a group of talented people who want to learn, gain experience, and develop skills. Wherever you are in your career, we want you to advance. You shape how we make impact. Diverse perspectives and life experiences make us better. Whoever you are and wherever you're from, we want you to feel like you belong here. We provide flexible working options to support you and how you can contribute. Be the leader you want to be. Be the leader you want to be Some guide teams, some change culture, some build essential expertise. We offer opportunities and experiences that support your continuing growth as a leader. Have as many careers as you want. We are uniquely able to offer you new challenges and roles - and prepare you for them. We bring together people with unique experiences and talents, and we are the place to develop a lasting network of friends, peers, and mentors. Our TVP is about relationships - between leaders and their people, the firm and its people, peers, and within in our communities.The next step is yours At Deloitte, we are all about doing business inclusively - that starts with having diverse colleagues of all abilities. Deloitte encourages applications from all qualified candidates who represent the full diversity of communities across Canada. This includes, but is not limited to, people with disabilities, candidates from Indigenous communities, and candidates from the Black community in support of living our values, creating a culture of Diversity Equity and Inclusion and our commitment to our AccessAbility Action Plan , Reconciliation Action Plan and the BlackNorth Initiative . We encourage you to connect with us at [email protected] if you require an accommodation for the recruitment process (including alternate formats of materials, accessible meeting rooms or other accommodations) or [email protected] for any questions relating to careers for Indigenous peoples at Deloitte (First Nations, Inuit, Métis). By applying to this job you will be assessed against the Deloitte Global Talent Standards. We've designed these standards to provide our clients with a consistent and exceptional Deloitte experience globally. Deloitte Canada has 30 offices with representation across most of the country. We acknowledge our offices reside on traditional, treaty and unceded territories as part of Turtle Island and is still home to many First Nations, Métis, and Inuit peoples. We are all Treaty people.Job Segment: Developer, Financial Analyst, Equity, Engineer, Quantitative Analyst, Technology, Finance, Engineering, Data
Senior Associate, Credit Risk Models - Financial Engineering & Modelling (Montreal)
Deloitte,
Job Type:Permanent Reference code:125065 Primary Location:Montreal, Quebec, Canada All Available Locations:Montreal, QC Our Purpose At Deloitte, we are driven to inspire and help our people, organization, communities, and country to thrive. Our Purpose is to build a better future by accelerating and expanding access to knowledge. Purpose defines who we are and gives us reason to exist as an organization. By living our Purpose, we will make an impact that matters. Be encouraged to deepen your technical skills...whatever those may be. Partner with clients to solve their most complex problems. Experience MyFlex and an agile work environment where work is what you do not where you do it. Would you like to further develop your career with our exponentially expanding Financial Advisory Service, Modelling and Value Advisory, Financial Engineering & Modelling (FEM) group? Are you up for the challenge to help the most sophisticated Canadian and international clients to solve their quantitative and modelling issues?What will your typical day look like?In this role you will help financial services industry (FSI) clients face quantitative issues with informed confidence. Using your deep technical skills and leveraging our global network of experts, you'll provide professional advice to our FSI clients in a wide range of situations. The result? Our clients will be better placed to take control and receive the best solutions to their complex challenges. Develop/validate/review Credit Risk models (e.g. AIRB, IFRS 9, CECL, adjudication/behavioral scoring models and CCAR models) based on industry best practices. You will also be able to learn and work in other quantitative and analytical areas such as credit modeling, forecasting and stress testing, customer behavior modeling, and new innovations such as Machine Learning and Artificial Intelligence.About the teamDeloitte's Financial Advisory practice delivers highly specialized advisory solutions for companies facing critical business events where significant value is at stake, in every phase of the economic cycle. Our work is often high profile, high impact, and highly rewarding. If you're looking for a challenge and an opportunity to grow your career alongside the best and brightest in the industry, you'll find it in Financial Advisory at Deloitte. Broaden your skills. Broaden your reach. Broaden your career. It's all possible at Deloitte.Enough about us, let's talk about youYou are someone with: Minimum 1-2 years of relevant experience spent within a credit risk model development or model validation team at a major financial institution Solid academic background with a PhD or Master's Degree in Mathematical Finance, Finance, Financial Engineering, Financial Economics or other relevant post graduate degree Due to the nature of the role having interactions with National & Global clients, bilingualism in French and English is required for this position. Solid knowledge of common practices in credit risk, including expected loss (PD, LGD, EAD) methodologies; Solid knowledge of supervisory/regulatory requirements as it pertains to credit risk models, including IFRS 9 Ability to program in pertinent languages, such as Excel, SAS, R, and python Canadian travel required Total RewardsThe salary range for this position is $75,000 - $113,000, and individuals may be eligible to participate in our bonus program. Deloitte is fair and competitive when it comes to the salaries of our people. We regularly benchmark across a variety of positions, industries, sectors, targets, and levels. Our approach is grounded on recognizing people's unique strengths and contributions and rewarding the value that they deliver.Our Total Rewards Package extends well beyond traditional compensation and benefit programs and is designed to recognize employee contributions, encourage personal wellness, and support firm growth. Along with a competitive base salary and variable pay opportunities, we offer a wide array of initiatives that differentiate us as a people-first organization. Some representative examples include: $4,000 per year for mental health support benefits, a $1,300 flexible benefit spending account, 38+ days off (including 10 firm-wide closures known as "Deloitte Days"), flexible work arrangements and a hybrid work structure.Our promise to our people: Deloitte is where potential comes to life. Be yourself, and more. We are a group of talented people who want to learn, gain experience, and develop skills. Wherever you are in your career, we want you to advance. You shape how we make impact. Diverse perspectives and life experiences make us better. Whoever you are and wherever you're from, we want you to feel like you belong here. We provide flexible working options to support you and how you can contribute. Be the leader you want to be. Be the leader you want to be Some guide teams, some change culture, some build essential expertise. We offer opportunities and experiences that support your continuing growth as a leader. Have as many careers as you want. We are uniquely able to offer you new challenges and roles - and prepare you for them. We bring together people with unique experiences and talents, and we are the place to develop a lasting network of friends, peers, and mentors. Our TVP is about relationships - between leaders and their people, the firm and its people, peers, and within in our communities.The next step is yours At Deloitte, we are all about doing business inclusively - that starts with having diverse colleagues of all abilities. Deloitte encourages applications from all qualified candidates who represent the full diversity of communities across Canada. This includes, but is not limited to, people with disabilities, candidates from Indigenous communities, and candidates from the Black community in support of living our values, creating a culture of Diversity Equity and Inclusion and our commitment to our AccessAbility Action Plan , Reconciliation Action Plan and the BlackNorth Initiative . We encourage you to connect with us at [email protected] if you require an accommodation for the recruitment process (including alternate formats of materials, accessible meeting rooms or other accommodations). We'd love to hear from you! By applying to this job you will be assessed against the Deloitte Global Talent Standards. We've designed these standards to provide our clients with a consistent and exceptional Deloitte experience globally. Deloitte Canada has 30 offices with representation across most of the country. We acknowledge our offices reside on traditional, treaty and unceded territories as part of Turtle Island and is still home to many First Nations, Métis, and Inuit peoples. We are all Treaty people.Job Segment: QC, Developer, Equity, Engineer, Financial, Quality, Technology, Finance, Engineering
Analyst/Senior Associate, Credit Risk Models - Financial Engineering & Modeling (Toronto)
Deloitte,
Job Type:Permanent Reference code:125102 Primary Location:Toronto, ON All Available Locations:Toronto, ON Our Purpose At Deloitte, we are driven to inspire and help our people, organization, communities, and country to thrive. Our Purpose is to build a better future by accelerating and expanding access to knowledge. Purpose defines who we are and gives us reason to exist as an organization. By living our Purpose, we will make an impact that matters. Be encouraged to deepen your technical skills...whatever those may be. Partner with clients to solve their most complex problems. Experience MyFlex and an agile work environment where work is what you do not where you do it. What will your typical day look like?In this role you will help financial services industry (FSI) clients face quantitative issues with informed confidence. Using your deep technical skills and leveraging our global network of experts, you'll provide professional advice to our FSI clients in a wide range of situations. The result? Our clients will be better placed to take control and receive the best solutions to their complex challenges.Develop/validate/review Credit Risk models (e.g. AIRB, IFRS 9, CECL, adjudication/behavioural scoring models and CCAR models) based on industry best practices.You will also be able to learn and work in other quantitative and analytical areas such as credit modeling, forecasting and stress testing, customer behavior modeling, and new innovations such as Machine Learning and Artificial Intelligence. You will also carry out various complex financial analyses including independent derivative evaluation, customer behavior modeling, and new innovations such as Machine Learning and Artificial Intelligence.You will also carry out various complex financial analyses including independent derivative valuation.About the teamDeloitte's Financial Advisory practice delivers highly specialized advisory solutions for companies facing critical business events where significant value is at stake, in every phase of the economic cycle. Our work is often high profile, high impact, and highly rewarding. If you're looking for a challenge and an opportunity to grow your career alongside the best and brightest in the industry, you'll find it in Financial Advisory at Deloitte. Broaden your skills. Broaden your reach. Broaden your career. It's all possible at Deloitte.Enough about us, let's talk about youYou are someone with: Minimum 1-2 years of relevant experience spent within a credit risk model development or model validation team at a major financial institution Solid academic background with a PhD or Master's Degree in Mathematical Finance, Financial Engineering or other relevant post graduate degree Solid knowledge of common practices in credit risk, including expected loss (PD, LGD, EAD) methodologies; Solid knowledge of supervisory/regulatory requirements as it pertains to credit risk models, including IFRS 9 Ability to program in pertinent languages, such as Excel, SAS, R, and python Canadian travel required Total RewardsThe salary range for the Analyst position is $62,000 - $92,000 and $75,000 - $113,000 for the Senior Associate position, and individuals may be eligible to participate in our bonus program. Deloitte is fair and competitive when it comes to the salaries of our people. We regularly benchmark across a variety of positions, industries, sectors, targets, and levels. Our approach is grounded on recognizing people's unique strengths and contributions and rewarding the value that they deliver.Our Total Rewards Package extends well beyond traditional compensation and benefit programs and is designed to recognize employee contributions, encourage personal wellness, and support firm growth. Along with a competitive base salary and variable pay opportunities, we offer a wide array of initiatives that differentiate us as a people-first organization. Some representative examples include: $4,000 per year for mental health support benefits, a $1,300 flexible benefit spending account, 38+ days off (including 10 firm-wide closures known as "Deloitte Days"), flexible work arrangements and a hybrid work structure.Our promise to our people: Deloitte is where potential comes to life. Be yourself, and more. We are a group of talented people who want to learn, gain experience, and develop skills. Wherever you are in your career, we want you to advance. You shape how we make impact. Diverse perspectives and life experiences make us better. Whoever you are and wherever you're from, we want you to feel like you belong here. We provide flexible working options to support you and how you can contribute. Be the leader you want to be. Be the leader you want to be Some guide teams, some change culture, some build essential expertise. We offer opportunities and experiences that support your continuing growth as a leader. Have as many careers as you want. We are uniquely able to offer you new challenges and roles - and prepare you for them. We bring together people with unique experiences and talents, and we are the place to develop a lasting network of friends, peers, and mentors. Our TVP is about relationships - between leaders and their people, the firm and its people, peers, and within in our communities.The next step is yours At Deloitte, we are all about doing business inclusively - that starts with having diverse colleagues of all abilities. Deloitte encourages applications from all qualified candidates who represent the full diversity of communities across Canada. This includes, but is not limited to, people with disabilities, candidates from Indigenous communities, and candidates from the Black community in support of living our values, creating a culture of Diversity Equity and Inclusion and our commitment to our AccessAbility Action Plan , Reconciliation Action Plan and the BlackNorth Initiative . We encourage you to connect with us at [email protected] if you require an accommodation for the recruitment process (including alternate formats of materials, accessible meeting rooms or other accommodations) or [email protected] for any questions relating to careers for Indigenous peoples at Deloitte (First Nations, Inuit, Métis). By applying to this job you will be assessed against the Deloitte Global Talent Standards. We've designed these standards to provide our clients with a consistent and exceptional Deloitte experience globally. Deloitte Canada has 30 offices with representation across most of the country. We acknowledge our offices reside on traditional, treaty and unceded territories as part of Turtle Island and is still home to many First Nations, Métis, and Inuit peoples. We are all Treaty people.Job Segment: Developer, Credit Analyst, Financial Analyst, Risk Management, Credit, Technology, Finance
Analyst, Actuarial Insurance Solutions - New Grad 2025 - Multiple Locations
Deloitte, Toronto, ON
Job Type:New Graduate Reference code:125842 Primary Location:Toronto, ON All Available Locations:Kitchener, ON; Toronto, ON Our Purpose At Deloitte, we are driven to inspire and help our people, organization, communities, and country to thrive. Our Purpose is to build a better future by accelerating and expanding access to knowledge. Purpose defines who we are and gives us reason to exist as an organization. By living our Purpose, we will make an impact that matters. Like many students approaching graduation, you are probably thinking 'what now'? Well, why not start off by launching your career with the one firm where you can make a bigger impact than you ever thought possible. What will your typical day look like? Our Actuarial and Insurance Solutions (AIS) practice will not just offer you a typical actuarial role. You will build innovative solutions to advance the actuarial field in addition to developing a deep knowledge of actuarial technical concepts and understanding the issues that will affect our clients. More specifically, a career in AIS will offer you the opportunity to: Work in a fast growing and challenging environment with a diverse set of people who are eminent in their respective technical field Develop cutting-edge solutions in collaboration with our teams and with clients Continue your professional development to reinforce and expand your chosen career path Work with high profile clients on a variety of Canadian and international engagements About the team The Assurance practice's value statement, or more simply, why we exist, is to "Build and elevate trust to help create a more resilient and sustainable tomorrow." The AIS practice is a multi-disciplinary and cross-functional service line that engages with clients across the Life, Property & Casualty, and Pension industries. Our Canadian team is part of Deloitte's worldwide actuarial network, which includes over 1,500 actuarial professionals working in 43 countries. Our service line performs client engagements that include, but are not limited to, technical actuarial work, enterprise risk management, actuarial process re-engineering, regulatory advisory, pension de-risking, predictive analytics, and M&A due diligence. AIS is also part of Deloitte's insurance sector practice and provides a wide range of services that go beyond the actuarial discipline. Our main objectives as a practice is to meet our clients' evolving needs and develop solutions that can help them take the next step in an industry being disrupted by emerging technology, stringent regulations, and changing customer needs. Enough about us, let's talk about you In this role, the expected qualifications are: Working towards completing a post-secondary degree or diploma in the fields of actuarial sciences, mathematics, risk management or a related field & significant progress towards ASA preferred (passed at least two SOA or CAS actuarial exam) Aptitude to synthesize quantitative analysis and effectively relay this information to others Research, financial analysis, analytical and problem-solving skills Demonstrated capabilities in team work, leadership, strong written and verbal communication skills Strong Computer skills - Microsoft Office (Excel, Access, etc.), Internet search tools, AXIS, etc Ability to build rapport within the practice and deliver high-quality work under time constraints Shows a keen interest in the latest developments in the insurance industry and exhibits passion in driving innovation in the actuarial field Shows a commitment to the insurance/risk management/data analytics fields through relevant classes/project work, past employment, and/or case competitions A strong entrepreneurial spirit who takes initiative in finding new work within the actuarial team Total Rewards The salary range for this position is $48,500 - $85,000, and individuals may be eligible to participate in our bonus program. Deloitte is fair and competitive when it comes to the salaries of our people. We regularly benchmark across a variety of positions, industries, sectors, targets, and levels. Our approach is grounded on recognizing people's unique strengths and contributions and rewarding the value that they deliver. Our Total Rewards Package extends well beyond traditional compensation and benefit programs and is designed to recognize employee contributions, encourage personal wellness, and support firm growth. Along with a competitive base salary and variable pay opportunities, we offer a wide array of initiatives that differentiate us as a people-first organization. Some representative examples include: $4,000 per year for mental health support benefits, a $1,300 flexible benefit spending account, 38+ days off (including 10 firm‐wide closures known as "Deloitte Days"), flexible work arrangements and a hybrid work structure. Our promise to our people: Deloitte is where potential comes to life Be yourself, and more. We are a group of talented people who want to learn, gain experience, and develop skills. Wherever you are in your career, we want you to advance. You shape how we make impact. Diverse perspectives and life experiences make us better. Whoever you are and wherever you're from, we want you to feel like you belong here. We provide flexible working options to support you and how you can contribute. Be the leader you want to be. Be the leader you want to be. Some guide teams, some change culture, some build essential expertise. We offer opportunities and experiences that support your continuing growth as a leader. Have as many careers as you want. We are uniquely able to offer you new challenges and roles - and prepare you for them. We bring together people with unique experiences and talents, and we are the place to develop a lasting network of friends, peers, and mentors.The next step is yours Apply today! Deadline to Apply:April 30, 2024, at 11:59 PM ETTo be considered, you must submit your cover letter, resume and unofficial transcript in ONE PDF document At Deloitte, we are all about doing business inclusively - that starts with having diverse colleagues of all abilities. Deloitte encourages applications from all qualified candidates who represent the full diversity of communities across Canada. This includes, but is not limited to, people with disabilities, candidates from Indigenous communities, and candidates from the Black community in support of living our values, creating a culture of Diversity Equity and Inclusion and our commitment to our AccessAbility Action Plan , Reconciliation Action Plan and the BlackNorth Initiative . We encourage you to connect with us at [email protected] if you require an accommodation for the recruitment process (including alternate formats of materials, accessible meeting rooms or other accommodations) or [email protected] for any questions relating to careers for Indigenous peoples at Deloitte (First Nations, Inuit, Métis). By applying to this job you will be assessed against the Deloitte Global Talent Standards. We've designed these standards to provide our clients with a consistent and exceptional Deloitte experience globally. Deloitte Canada has 30 offices with representation across most of the country. We acknowledge our offices reside on traditional, treaty and unceded territories as part of Turtle Island and is still home to many First Nations, Métis, and Inuit peoples. We are all Treaty people.Job Segment: Accounting, Risk Management, Quantitative Analyst, Developer, Law, Finance, Data, Technology, Legal
Analyst, Actuarial Insurance Solutions - Co-op/Intern 2025 - Multiple Locations
Deloitte, Toronto, ON
Job Type:Co-op/Intern Reference code:125843 Primary Location:Toronto, ON All Available Locations:Toronto, ON; Kitchener, ON Our Purpose At Deloitte, we are driven to inspire and help our people, organization, communities, and country to thrive. Our Purpose is to build a better future by accelerating and expanding access to knowledge. Purpose defines who we are and gives us reason to exist as an organization. By living our Purpose, we will make an impact that matters. Are you a current student looking to pursue either a Co-op term or Internship? Well, why not start by launching your career with the one firm where you can make a bigger impact than you ever thought possible. What will your typical day look like? Our Actuarial and Insurance Solutions (AIS) practice will not just offer you a typical actuarial role. You will build innovative solutions to advance the actuarial field in addition to developing a deep knowledge of actuarial technical concepts and understanding the issues that will affect our clients. More specifically, a career in AIS will offer you the opportunity to: Work in a fast growing and challenging environment with a diverse set of people who are eminent in their respective technical field Develop cutting-edge solutions in collaboration with our teams and with clients Continue your professional development to reinforce and expand your chosen career path Work with high profile clients on a variety of Canadian and international engagements About the team The Assurance practice's value statement, or more simply, why we exist, is to "Build and elevate trust to help create a more resilient and sustainable tomorrow." The AIS practice is a multi-disciplinary and cross-functional service line that engages with clients across the Life, Property & Casualty, and Pension industries. Our Canadian team is part of Deloitte's worldwide actuarial network, which includes over 1,500 actuarial professionals working in 43 countries. Our service line performs client engagements that include, but are not limited to, technical actuarial work, enterprise risk management, actuarial process re-engineering, regulatory advisory, pension de-risking, predictive analytics, and M&A due diligence. AIS is also part of Deloitte's insurance sector practice and provides a wide range of services that go beyond the actuarial discipline. Our main objectives as a practice is to meet our clients' evolving needs and develop solutions that can help them take the next step in an industry being disrupted by emerging technology, stringent regulations, and changing customer needs. Enough about us, let's talk about you In this role, the expected qualifications are: Working towards completing a post-secondary degree or diploma in the fields of actuarial sciences, mathematics, risk management or a related field & significant progress towards ASA preferred (passed at least two SOA or CAS actuarial exam) Aptitude to synthesize quantitative analysis and effectively relay this information to others Research, financial analysis, analytical and problem-solving skills Demonstrated capabilities in team work, leadership, strong written and verbal communication skills Strong Computer skills - Microsoft Office (Excel, Access, etc.), Internet search tools, AXIS, etc Ability to build rapport within the practice and deliver high-quality work under time constraints Shows a keen interest in the latest developments in the insurance industry and exhibits passion in driving innovation in the actuarial field Shows a commitment to the insurance/risk management/data analytics fields through relevant classes/project work, past employment, and/or case competitions A strong entrepreneurial spirit who takes initiative in finding new work within the actuarial team Total Rewards The salary range for this position is $48,000 - $74,000, and individuals may be eligible to participate in our bonus program. Deloitte is fair and competitive when it comes to the salaries of our people. We regularly benchmark across a variety of positions, industries, sectors, targets, and levels. Our approach is grounded on recognizing people's unique strengths and contributions and rewarding the value that they deliver. Our Total Rewards Package extends well beyond traditional compensation and benefit programs and is designed to recognize employee contributions, encourage personal wellness, and support firm growth. Along with a competitive base salary and variable pay opportunities, we offer a wide array of initiatives that differentiate us as a people-first organization. Some representative examples include: flexible work arrangements and a hybrid work structure. Our promise to our people: Deloitte is where potential comes to life Be yourself, and more. We are a group of talented people who want to learn, gain experience, and develop skills. Wherever you are in your career, we want you to advance. You shape how we make impact. Diverse perspectives and life experiences make us better. Whoever you are and wherever you're from, we want you to feel like you belong here. We provide flexible working options to support you and how you can contribute. Be the leader you want to be. Be the leader you want to be. Some guide teams, some change culture, some build essential expertise. We offer opportunities and experiences that support your continuing growth as a leader. Have as many careers as you want. We are uniquely able to offer you new challenges and roles - and prepare you for them. We bring together people with unique experiences and talents, and we are the place to develop a lasting network of friends, peers, and mentors.The next step is yours Apply today!Deadline to Apply: April 30, 2024, at 11:59 PM ETTo be considered, you must submit your cover letter, resume and unofficial transcript in ONE PDF document At Deloitte, we are all about doing business inclusively - that starts with having diverse colleagues of all abilities. Deloitte encourages applications from all qualified candidates who represent the full diversity of communities across Canada. This includes, but is not limited to, people with disabilities, candidates from Indigenous communities, and candidates from the Black community in support of living our values, creating a culture of Diversity Equity and Inclusion and our commitment to our AccessAbility Action Plan , Reconciliation Action Plan and the BlackNorth Initiative . We encourage you to connect with us at [email protected] if you require an accommodation for the recruitment process (including alternate formats of materials, accessible meeting rooms or other accommodations) or [email protected] for any questions relating to careers for Indigenous peoples at Deloitte (First Nations, Inuit, Métis). By applying to this job you will be assessed against the Deloitte Global Talent Standards. We've designed these standards to provide our clients with a consistent and exceptional Deloitte experience globally. Deloitte Canada has 30 offices with representation across most of the country. We acknowledge our offices reside on traditional, treaty and unceded territories as part of Turtle Island and is still home to many First Nations, Métis, and Inuit peoples. We are all Treaty people.Job Segment: Accounting, Quantitative Analyst, Risk Management, Developer, Equity, Finance, Data, Technology
Senior Analyst, Sustainability And Climate Innovation
PSP Investments, Montreal, Quebec
ABOUT USWe're one of Canada's largest pension investment managers, with CAD$243.7 billion of net assets as at March 31, 2023. We invest funds for the pension plans of the federal public service, the Canadian Forces, the Royal Canadian Mounted Police and the Reserve Force.Headquartered in Ottawa, PSP Investments has its principal business office in Montreal and offices in New York, London and Hong Kong.Capturing and leading complex global investments requires us to work as one to seize valuable opportunities, in close collaboration with some of the world's top companies. At PSP, you'll join a team of motivated and engaged professionals, dedicated to propelling our organization further than ever before.EXPERIENCE THE EDGE At PSP, we encourage our employees to grow, forge powerful relationships, contribute and fuel inspired investment launchpads. We are committed to a culture that fosters collaboration and allows us to think beyond, in an interconnected way. We advocate for our employees to speak-up, learn, experiment, share, and be part of an inclusive work environment where diversity is embraced. ABOUT THE TEAMSustainable investment is an integral part of our investment approach, helping us mitigate risk, uncover opportunities to enhance long-term performance, and bring our edge. Our Sustainability and Climate Innovation group spearheads our efforts. The group helps advance our sustainability and climate strategy, oversight, capabilities, and practices; and deeply collaborates with the investment teams across public and private markets asset classes to develop our collective insight, integrate factors related to sustainability throughout our investment processes, and deliver public reporting to stakeholders. To learn more about our sustainability & climate investment activities, please consult our 2023 Sustainable Investment Report and our Climate-Related Financial Disclosure Report.We're seeking a Senior Analyst, Sustainability and Climate Innovation to play an active role in the activities of the Sustainability and Climate Innovation group. As a valued member of the Sustainability and Climate Innovation group (SCI), you will report to the Senior Director, Sustainability. At PSP, we welcome individuals who are enthusiastic about learning, ideation, and innovation - those who strive for excellence, challenge conventions, and actively seek diverse perspectives.ABOUT YOUR ROLE As a Senior Analyst, Sustainability and Climate Innovation, you will join the Sustainability and Climate Innovation group within the Office of our Chief Investment Officer. Your responsibilities encompass a wide range of crucial tasks to advance our commitment to sustainable investment and active ownership. In your role, you will:Perform research and analysis on emerging factors (risks and opportunities) to support the integration thereof in the investment and monitoring activities of PSP Investments across asset classesActively engage in the proxy voting process by performing analysis of corporate regulatory filings and ensure alignment with PSP's Voting PrinciplesSupport communications on an ongoing basis with PSP's custodians, service providers and internal teamsParticipate to the development and maintenance of tools to ensure that emerging considerations are adequately integrated in the investment and monitoring activities of PSP Investments' across asset classesParticipate in the sustainability assessment and monitoring processes of external managers and general partnersPrepare briefing notes for PSP's corporate engagements with public companies and participate theretoConduct primary research, analysis and presentations on sustainability matters and best practices for institutional investorsActively participate in collaborative and leadership initiatives with industry peersCollaborate on PSP's disclosure and reporting activities on sustainability matters both internally and externallyWHAT YOU'LL NEEDRobust educational foundation, degrees preferred (e.g., bachelor's degree or higher in a relevant field such as sustainability, finance, business administration, or a related discipline). Additional sustainability-related certifications are assetsDemonstrated expertise through 1 to 3 years of relevant sustainability-related experience in the sustainable investing, investment ownership or management industry, with a focus on active ownership/stewardshipDemonstrated interest in sustainable investing and proxy voting principles and practices, including knowledge of relevant regulatory frameworks and reporting standards related to sustainable investingCommunication, interpersonal and negotiation skills, with the ability to build relationships and influence stakeholders (internally and externally) at all levelsBusiness acumen, blending both qualitative and quantitative analysis to solve complex business problems is an assetDemonstrated proficiency in technology and data analyticsA results-oriented and goal-driven mindset, with a commitment to achieving quantifiable outcomesExcellent communication skills in both English and French (or a willingness to learning French if not already acquainted). This involves engaging in regular interactions in English with other institutional investors, regulators, industry groups, and NGOs, as well as PSP employees in our Hong Kong, London, and New York offices. Additionally, there will be informal interactions in French with employees in our local offices based in Montreal and OttawaWe offer a tailored employee experience and competitive total rewards and benefits package* designed to attract and retain global diverse talent, reward performance, and reinforce business strategies and priorities. Beyond salary and incentive pay eligibility, you have access to:Investment in career development Comprehensive group insurance plans Unlimited access to virtual healthcare services and wellness programs Competitive pension plans Vacation days available on day one with additional days on milestone service anniversaries, and summer Friday afternoons off Inclusive paid parental leave policy: up to 26 weeks for primary caregivers, 5 weeks for secondary caregivers A hybrid work model with a mix of in-office and remote days*Benefits package may vary based on your employee type.At PSP, we aim to provide an inclusive workplace where we leverage diversity and where everyone feels valued, safe, respected and empowered to grow. As part of this leadership commitment, we strongly encourage applications from all qualified applicants and strive to offer an inclusive and accessible candidate experience. If you require any accommodation for any part of the recruitment process, please let us know. Visit us on www.investpsp.com/en/
Manager Commercial Credit Risk Policy
BMO, Toronto, ON
Application Deadline: 05/30/2024Address:VIRTUAL59 - HomeRes - ON - BMORegulatory Reviews:Support Regulatory review submissions/responses as assignedSupport and/or provide risk oversight over required updates to Second Line Directives as a result of any review findingsOther:Support other projects/initiatives as and when arise that impact Credit Risk policies eg acquisitions, regulatory changesSupport team administration requirements such as system updates and exception reporting updates regarding policy elevations and exceptions, maintain team procedures, etc.Provides subject matter expertise in the analysis, development, approval process, issuance and communication of Risk policy frameworks in alignment with standards. Writes, publishes and maintains policy documentation to achieve the desired business results and support corporate, compliance and/or regulatory requirements. Includes guidelines, standards, directives, operating procedures, and related documentation.Acts as a trusted advisor for the designated group.Influences and negotiates to achieve business objectives.Recommends and implements solutions based on analysis of issues and implications for the business.Assists in the development of strategic plans.Identifies emerging issues and trends to inform decision-making.Analyzes the impact of projects related to compliance, transformation, system upgrades etc. on policies and procedures. Assesses and reports the impact of changes to stakeholders.Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting.Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.Assists in preparing materials required for Audits and Regulatory Exams.Assists in obtaining required approval processes when implementing any changes.Provides input into the planning and implementation of operational programs.Creates, implements and sustains the guidelines, standard, operating procedures and other documentation.Initiates and coordinates review processes among stakeholders.Identifies and eliminates gaps in current state of policies and procedural documentation.Reviews documentation on a timely basis to ensure they are up to date, accurate and complete.Breaks down strategic problems, and analyses data and information to provide insights and recommendations.Builds effective relationships with internal/external stakeholders.Ensures alignment between stakeholders.Monitors and tracks performance, and addresses any issues.Designs and produces regular and ad-hoc reports, and dashboards.Identifies business needs, designs/develops tools and training programs; may include delivery of training to audiences.Employs systems (e.g. customized exception reports, tracking reports etc.) to manage information.Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.Provides specialized consulting, analytical and technical support.Exercises judgment to identify, diagnose, and solve problems within given rules.Works independently and regularly handles non-routine situations.Broader work or accountabilities may be assigned as needed.Qualifications:Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.In-depth knowledge of risk management, audit, compliance, and / or governance policy management.In-depth knowledge of business and regulatory environment.Deep knowledge and technical proficiency gained through extensive education and business experience.Broad knowledge of re-engineering concepts.Proven experience in Visio & Adobe.Demonstrated experience with SharePoint database application, execution, modification, maintenance and troubleshooting.Project management skills - in-depth.Deep knowledge and technical proficiency gained through extensive education and business experience.Verbal & written communication skills - In-depth.Collaboration & team skills - In-depth.Analytical and problem solving skills - In-depth.Influence skills - In-depth.Data driven decision making - In-depth.Grade:7Job Category:Individual Contributor / CollaborateurWe're here to helpAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Sr. Manager, Credit Risk Model Validation
BMO, Toronto, ON
Application Deadline: 04/11/2024Address:100 King Street WestPerforms validation of models and assesses model risk to confirm model appropriateness and capability for a designated portfolio. Provides effective challenge during model development and communicates decisions regarding model use to the business to ensure transparency and understanding of models and model risks. Assesses model's capabilities, stress points and limitations; assesses the associated model risk and the controls in place to mitigate identified risks.Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.Ensures alignment between values and behaviour that fosters diversity and inclusion.Regularly connects work to BMO's purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.Attracts, retains, and enables the career development of top talent.Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.Provides strategic input into business decisions as a trusted advisor.Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.Acts as a subject matter expert on relevant regulations and policies.May network with industry contacts to gain competitive insights and best practices.Interprets new regulations and assesses impacts to the program / portfolio validation framework.Influences and negotiates to achieve business objectives.Identifies emerging issues and trends to inform decision-making.Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals.Measures the effectiveness of validation and monitoring framework; recommends changes as required.Conducts independent analysis and assessment to resolve strategic issues.Acts as the prime subject matter expert for internal/external stakeholders.Represents the model validation program / portfolio for internal/external regulatory audits and/or examinations.Ensures alignment between stakeholders.Designs and produces regular and ad-hoc reports, and dashboards.Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes, analysis and reporting.Defines business requirements for analytics & reporting to ensure data insights inform business decision making.Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.Leads the development of the communication strategy focusing on positively influencing or changing behaviour.Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.Leads the research and development for validation of new types of models.Leads and integrates the monitoring, measurement & reporting of the status of the model validation program / portfolio to internal & external stakeholders.Provides input into the planning and implementation of ongoing operational programs in support of the model vetting framework and portfolio.Leads in the design, implementation and management of core business/group processes.Develops validation strategies and plans to ensure appropriate type and level of vetting of models is carried out.Independently validates / tests models and their associated assumptions, benchmarks, and supporting documentation against model vesting process, standards, guidelines and principles; assesses the data for model development as well as inputs to the model; compares validation results with model developer results for replicability.Identifies deficiencies, conditions for model use, recommends changes, and escalates as required; quantifies model risks, documents outcomes and communicates with stakeholders.Identifies where corrective actions are required and escalates per guidelines; monitors and ensures corrective action is taken.Provides technical advice and guidance to assigned business/group on implementation of the model vetting framework, and resolution of model risk issues.Develops and maintains in-depth knowledge of business and related risk management requirements and legislative/ regulatory directives and guidance.Builds effective relationships with internal/external stakeholders.Ensures alignment between stakeholders.Monitors and tracks performance; addresses any issues.Coordinates and monitors the review and sign-off of model validation reporting including model inventory and model inventory attestations.Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.Implements changes in response to shifting trends.Broader work or accountabilities may be assigned as needed.Qualifications:Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.In-depth / expert knowledge and understanding of model validation, model risk management practices.In-depth / expert knowledge of regulatory requirements.In-depth / expert knowledge & experience with risk policy frameworks; quality control / testing frameworks.Seasoned professional with a combination of education, experience and industry knowledge.Verbal & written communication skills - In-depth / Expert.Analytical and problem solving skills - In-depth / Expert.Influence skills - In-depth / Expert.Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.Able to manage ambiguity.Data driven decision making - In-depth / Expert.Grade:8Job Category:People Manager / GestionnaireWe're here to helpAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Senior Catastrophe Analyst
Aon, Toronto, ON
Senior Catastrophe Analyst Do you want to make an impact by assessing client catastrophe exposure using loss models loss? Have you ever been interested in Catastrophe Management but wondered where you might learn the tricks of the trade? Does working with a hands-on team with over 100 collective years of validated experience to support and encourage your career development sound interesting? If yes, Aon has an opportunity you won't want to miss! We are currently recruiting for our Catastrophe Management team based out of Toronto, Ontario as part of Aon’s Reinsurance business. Aon is in the business of better decisions At Aon, we shape decisions for the better to protect and enrich the lives of people around the world. As an organization, we are united through trust as one inclusive, diverse team, and we are passionate about helping our colleagues and clients succeed. What the day will look like Run proprietary catastrophe modelling tools Demonstrate personal expertise, use technology in our Catastrophe Management process to efficiently prepare client data for catastrophe risk analysis Demonstrate intuitive thought process effectively communicating Catastrophe Management deliverables through proactive and in-depth discussions with Clients and the industry alike Interact with domestic and international reinsurance markets to support reinsurance submission Lead and support various research and development projects including peer studies, catastrophe actuarial analyses, dynamic financial analysis tool add-ons, proprietary tool development and model evaluations Support and mentor fellow Analysts to develop and retain unmatched talent and impactful collaboration How this opportunity is different Reporting to the Head of Catastrophe Management Analytics, you will be joining a growing and hardworking team that supports a wide verity of clients with a focus on the Canadian and Caribbean markets. You will be exposed to industry leading tools that will excel you in providing clients customized, practical recommendations to plan for future growth while identifying unprofitable business with a minimal loss to the underwriting premium. No experience is too much or to little. If you are passionate about a rewarding opportunity with internal training, support, and endless career opportunities, this is the role for you. Skills and experience that will lead to success Confirmed communication skills with the ability to collaborate and communicate well with others both externally and internally Strong organizational skills including the ability to handle multiple assignments, work well with minimal direction and meet deadlines in a timely manner Ability to think strategically and analytically as well as work independently and take initiative Excellent problem-solving and social skills Understanding of sophisticated analytics software such as SQL, SAS, etc., with a working knowledge of Microsoft Products (MS Access and MS Excel), but willing to train Minimum two years practical Catastrophe Management experience Extensive knowledge of the three main 3rd party catastrophe vendor models A strong understanding of complex reinsurance structures, vulnerability concepts with the proprietary 3rd party vendor models, and a working knowledge of Canadian and Caribbean Regulatory and Rating agency filing University Degree in Actuarial Science, Natural Science, Mathematics, Sciences or other similarly quantitative or analytically oriented major, or equivalent years of industry experience How we support our colleagues In addition to our comprehensive benefits package, we encourage a diverse workforce. Plus, our agile, inclusive environment allows you to manage your wellbeing and work/life balance, ensuring you can be your best self at Aon. Furthermore, all colleagues enjoy two “Global Wellbeing Days” each year, encouraging you to take time to focus on yourself. We offer a variety of working style solutions, but we also recognise that flexibility goes beyond just the place of work... and we are all for it. We call this Smart Working! Our continuous learning culture inspires and equips you to learn, share and grow, helping you achieve your fullest potential. As a result, at Aon, you are more connected, more relevant, and more valued. Aon values an innovative, diverse workplace where all colleagues feel empowered to be their authentic selves. Aon is proud to be an equal opportunity workplace. Aon provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, creed, sex, sexual orientation, gender identity, national origin, age, disability, veteran, marital, domestic partner status, or other legally protected status. We welcome applications from all and provide individuals with disabilities with reasonable adjustments to participate in the job application, interview process and to perform essential job functions once onboard. If you would like to learn more about the reasonable accommodations we provide, email [email protected] #LI-LK1 2541555
Senior Specialist, Climate Risk Analytics
BMO, Toronto, ON
Application Deadline: 06/13/2024Address: 100 King Street WestJob Family Group:Data Analytics & ReportingThe Senior Specialist, Climate Risk Analytics with have accountability for:Intersection of climate risk with capital assessment and stress testingTechnology infrastructure requirements and testingData gathering and linkages to use in climate risk assessmentSupport climate scenario analysis exercisesApplies mathematical and statistical methods to financial and risk management problems (e.g. internal controls; enterprise-wide stress testing and scenario analysis; capital modelling; valuations). Through quantitative analytical modelling, identifies important factors to consider for financial disaster and recovery plans. Conducts research and creates tools that use data to develop scenario-based planning and implements complex mathematical models to help the business make better financial and financial decisions (e.g. investments, pricing, etc.), drive innovation and minimize the impact of uncertainty.Develops pricing and quantitative risk models for an assigned portfolio e.g. fixed income, corporate credit and loans.Monitors risk in strategies and portfolios alongside project managers or functional leads.Conducts research and develops tools that use data to make better financial decisions; such as: investments, pricing, etc.Applies knowledge of risk assessment and controls along with extensive understanding of industry compliance standards and regulations.Identifies ways of mitigating potential risks; recommends and implements solutions based on analysis of issues and implications for the business.Documents data flow, systems and processes to improve the design, implementation and management of business/group processes.Conducts quantitative research in risks across strategies and portfolios.Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.Implements changes in response to shifting trends.Broader work or accountabilities may be assigned as needed.Qualifications: Intermediate level of proficiency: Regulatory capital and stress testing.Compliance and regulation.Machine learning.Learning Agility.Systems Thinking. Advanced level of proficiency: Model risk management.Data visualization.Data wrangling.Data preprocessing.Critical thinking.Driving Results.Quantitative financial modeling.Computational thinking and programming.Verbal & written communication skills.Analytical and problem solving skills.Collaboration & team skills; with a focus on cross-group collaboration.Able to manage ambiguity.Data driven decision making.Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.Seasoned professional with a combination of education, experience and industry knowledge.Data driven decision making - In-depth / Expert.Compensation and Benefits:$100,800.00 - $187,200.00Pay Type: SalariedThe above represents BMO Financial Group's pay range and type.Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards We're here to helpAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.To find out more visit us at https://jobs.bmo.com/ca/en .BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.
Senior Specialist, Climate Risk Analytics
BMO Financial Group, Toronto, ON
Application Deadline: 06/13/2024 Address: 100 King Street West Job Family Group: Data Analytics & Reporting The Senior Specialist, Climate Risk Analytics with have accountability for: Intersection of climate risk with capital assessment and stress testing Technology infrastructure requirements and testing Data gathering and linkages to use in climate risk assessment Support climate scenario analysis exercises Applies mathematical and statistical methods to financial and risk management problems (e.g. internal controls; enterprise-wide stress testing and scenario analysis; capital modelling; valuations). Through quantitative analytical modelling, identifies important factors to consider for financial disaster and recovery plans. Conducts research and creates tools that use data to develop scenario-based planning and implements complex mathematical models to help the business make better financial and financial decisions (e.g. investments, pricing, etc.), drive innovation and minimize the impact of uncertainty. Develops pricing and quantitative risk models for an assigned portfolio e.g. fixed income, corporate credit and loans. Monitors risk in strategies and portfolios alongside project managers or functional leads. Conducts research and develops tools that use data to make better financial decisions; such as: investments, pricing, etc. Applies knowledge of risk assessment and controls along with extensive understanding of industry compliance standards and regulations. Identifies ways of mitigating potential risks; recommends and implements solutions based on analysis of issues and implications for the business. Documents data flow, systems and processes to improve the design, implementation and management of business/group processes. Conducts quantitative research in risks across strategies and portfolios. Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders. Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine. Implements changes in response to shifting trends. Broader work or accountabilities may be assigned as needed. Qualifications: Intermediate level of proficiency: Regulatory capital and stress testing. Compliance and regulation. Machine learning. Learning Agility. Systems Thinking. Advanced level of proficiency: Model risk management. Data visualization. Data wrangling. Data preprocessing. Critical thinking. Driving Results. Quantitative financial modeling. Computational thinking and programming. Verbal & written communication skills. Analytical and problem solving skills. Collaboration & team skills; with a focus on cross-group collaboration. Able to manage ambiguity. Data driven decision making. Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience. Seasoned professional with a combination of education, experience and industry knowledge. Data driven decision making - In-depth / Expert. Compensation and Benefits: $100,800.00 - $187,200.00 Pay Type: Salaried The above represents BMO Financial Groups pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Groups expected target for the first year in this position. BMO Financial Groups total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards Were here to help At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one for yourself and our customers. Well support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, well help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/ca/en. BMO is committed to an inclusive, equitable and accessible workplace. By learning from each others differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes. BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere we do business, were focused on building, investing and transforming how we work to drive performance and continue growing the good. Who we are Were proud to be fueling growth and expanding possibilities for individuals, families and businesses. More than 12 million customers count on us for personal and commercial banking, wealth management and investment services. As the 8th largest bank in North America by assets, we provide personal and commercial banking, wealth management and investment services to more than 12 million customers. In Canada, the United States and across the globe, well continue to build, invest and transform to drive performance that serves the good that grows.
Senior Analyst/Manager - US Stress Testing
BMO Financial Group, Toronto, ON
Application Deadline: 05/30/2024 Address: 100 King Street West Job Family Group: Data Analytics & Reporting Supports the research and development of stress testing and scenario analysis methodologies and related strategies in support of the management of risks arising from changes in the market and external environment for business/group portfolios and products. Applies knowledge of analytics algorithms and technologies to develop models, methodologies and supplementary stress testing tools and infrastructures that assess the impact of a stress on risk capital and ensure risks are properly identified, understood and risk related strategies are enabled. Summarizes statistical findings, draws business conclusions, and presents actionable business recommendations used in the management of risks and related activities e.g. defining tolerance for adverse outcomes, capital modelling, assess capital and liquidity, recovery actions, portfolio and risk management strategies and tactics. Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do. Ensures alignment between values and behaviour that fosters diversity and inclusion. Regularly connects work to BMOs purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through. Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders. Attracts, retains, and enables the career development of top talent. Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance. Acts as a trusted advisor to assigned business/group. Influences and negotiates to achieve business objectives. Recommends and implements solutions based on analysis of issues and implications for the business. Assists in the development of strategic plans. Identifies emerging issues and trends to inform decision-making. Researches existing or emerging requirements & related best practices to assist and develops recommendations for changes/enhancements. Assists with the interpretation of new or changing regulations and assessing impacts to the governance frameworks. Helps determine business priorities and best sequence for execution of business/group strategy. Conducts independent analysis and assessment to resolve strategic issues. Leads the development and maintenance of stress testing and scenario analysis methodologies and frameworks. Ensures alignment between stakeholders. Represents the stress testing and scenario analysis function during internal/external regulatory audits and/or examinations. Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards. Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives. Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels. Leads and integrates the monitoring, measurement & reporting on the status of the stress testing and scenario analysis program to internal & external stakeholders. May provide specialized support for other internal and external regulatory requirements. Provides input into the planning and implementation of ongoing operational programs in support of the stress testing and scenario analysis framework. Leads/participates in the design, implementation and management of core business/group processes. Works with stakeholders to identify the business requirements, understand the distinct problems, and the expected outcomes; models and frames business scenarios which impact critical business processes and/or decisions. Administers and evaluates changes to stress scenarios and / or model parameters in response to changes in the market and the external environment. Identifies where corrective actions are required and escalates per guidelines; ensures corrective action is taken as necessary. Works with various data owners to discover and select available data sources from internal sources and external vendors (e.g. lending system, payment system, external credit rating system) to fulfill analytical needs. Consults with stakeholders to improve consistency and transparency of risk measurement, metrics and reporting. Develops and maintains in-depth knowledge of business and related risk management requirements and legislative/ regulatory directives and guidance. Supports the management of governance meetings (e.g. committee, management, board meetings, etc.) as required; facilitates development and approval of agendas, gathering and distribution of documentation related to agendas, and creation of meeting minutes/output. Builds effective relationships with internal/external stakeholders. Ensures alignment between stakeholders. Analyzes data and information to provide insights and recommendations Monitors and tracks performance; addresses any issues. Leads/participates in the design, implementation and management of core business/group processes. Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. Provides specialized consulting, analytical and technical support. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently and regularly handles non-routine situations. Broader work or accountabilities may be assigned as needed. Qualifications: Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience. In-depth knowledge and understanding of stress testing and scenario analysis methodologies and frameworks. Proficiency in statistical/numerical software. In-depth experience in quantitative risk modeling, calculation of Regulatory and Economic Capital. Deep knowledge and technical proficiency gained through extensive education and business experience. Verbal & written communication skills - In-depth. Collaboration & team skills - In-depth. Analytical and problem solving skills - In-depth. Influence skills - In-depth. Data driven decision making - In-depth. Compensation and Benefits: $68,000.00 - $126,000.00 Pay Type: Salaried The above represents BMO Financial Groups pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Groups expected target for the first year in this position. BMO Financial Groups total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards Were here to help At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one for yourself and our customers. Well support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, well help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/ca/en. BMO is committed to an inclusive, equitable and accessible workplace. By learning from each others differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes. BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere we do business, were focused on building, investing and transforming how we work to drive performance and continue growing the good. Who we are Were proud to be fueling growth and expanding possibilities for individuals, families and businesses. More than 12 million customers count on us for personal and commercial banking, wealth management and investment services. As the 8th largest bank in North America by assets, we provide personal and commercial banking, wealth management and investment services to more than 12 million customers. In Canada, the United States and across the globe, well continue to build, invest and transform to drive performance that serves the good that grows.
Senior Analyst/Manager - US Stress Testing
BMO, Toronto, ON
Application Deadline: 05/30/2024Address:100 King Street WestSupports the research and development of stress testing and scenario analysis methodologies and related strategies in support of the management of risks arising from changes in the market and external environment for business/group portfolios and products. Applies knowledge of analytics algorithms and technologies to develop models, methodologies and supplementary stress testing tools and infrastructures that assess the impact of a stress on risk capital and ensure risks are properly identified, understood and risk related strategies are enabled. Summarizes statistical findings, draws business conclusions, and presents actionable business recommendations used in the management of risks and related activities e.g. defining tolerance for adverse outcomes, capital modelling, assess capital and liquidity, recovery actions, portfolio and risk management strategies and tactics.Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.Ensures alignment between values and behaviour that fosters diversity and inclusion.Regularly connects work to BMO's purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through. Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders. Attracts, retains, and enables the career development of top talent.Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance. Acts as a trusted advisor to assigned business/group.Influences and negotiates to achieve business objectives.Recommends and implements solutions based on analysis of issues and implications for the business.Assists in the development of strategic plans.Identifies emerging issues and trends to inform decision-making.Researches existing or emerging requirements & related best practices to assist and develops recommendations for changes/enhancements.Assists with the interpretation of new or changing regulations and assessing impacts to the governance frameworks.Helps determine business priorities and best sequence for execution of business/group strategy.Conducts independent analysis and assessment to resolve strategic issues.Leads the development and maintenance of stress testing and scenario analysis methodologies and frameworks.Ensures alignment between stakeholders.Represents the stress testing and scenario analysis function during internal/external regulatory audits and/or examinations.Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.Leads and integrates the monitoring, measurement & reporting on the status of the stress testing and scenario analysis program to internal & external stakeholders.May provide specialized support for other internal and external regulatory requirements.Provides input into the planning and implementation of ongoing operational programs in support of the stress testing and scenario analysis framework.Leads/participates in the design, implementation and management of core business/group processes.Works with stakeholders to identify the business requirements, understand the distinct problems, and the expected outcomes; models and frames business scenarios which impact critical business processes and/or decisions.Administers and evaluates changes to stress scenarios and / or model parameters in response to changes in the market and the external environment.Identifies where corrective actions are required and escalates per guidelines; ensures corrective action is taken as necessary.Works with various data owners to discover and select available data sources from internal sources and external vendors (e.g. lending system, payment system, external credit rating system) to fulfill analytical needs.Consults with stakeholders to improve consistency and transparency of risk measurement, metrics and reporting.Develops and maintains in-depth knowledge of business and related risk management requirements and legislative/ regulatory directives and guidance.Supports the management of governance meetings (e.g. committee, management, board meetings, etc.) as required; facilitates development and approval of agendas, gathering and distribution of documentation related to agendas, and creation of meeting minutes/output.Builds effective relationships with internal/external stakeholders.Ensures alignment between stakeholders.Analyzes data and information to provide insights and recommendationsMonitors and tracks performance; addresses any issues.Leads/participates in the design, implementation and management of core business/group processes.Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.Provides specialized consulting, analytical and technical support.Exercises judgment to identify, diagnose, and solve problems within given rules.Works independently and regularly handles non-routine situations.Broader work or accountabilities may be assigned as needed.Qualifications:Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.In-depth knowledge and understanding of stress testing and scenario analysis methodologies and frameworks.Proficiency in statistical/numerical software.In-depth experience in quantitative risk modeling, calculation of Regulatory and Economic Capital.Deep knowledge and technical proficiency gained through extensive education and business experience.Verbal & written communication skills - In-depth.Collaboration & team skills - In-depth.Analytical and problem solving skills - In-depth.Influence skills - In-depth.Data driven decision making - In-depth.Grade:7Job Category:People Manager / GestionnaireWe're here to helpAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Analyst, Independent Review, Credit Risk (New or Recent Graduate Opportunity)
BMO, Toronto, ON
Application Deadline: 04/09/2024Address:100 King Street WestIf you're looking for your next dream job, consider this one in BMO's ERPM Risk group where every colleague helps protect and grow the bank by providing independent review and oversight of enterprise-wide risks, working together to maintain a risk management framework and fostering a strong risk culture. #ERPMDreamJobsThis position is located in Toronto and offers a hybrid work arrangement with at least 3 days per week on-site and other days remote.Recent graduates with quantitative finance or math background, and strong academic accomplishment may be considered.The role of Analyst/Senior Analyst, Independent Review (IR), Credit Risk is a part of the Independent Review function within Capital Risk Management, Enterprise Risk, responsible for providing effective challenge of compliance and/or assessing compliance of Pillar I Advanced Internal Rating Based (AIRB) Approach for Retail and Wholesale Capital Models with regulatory requirements, as set out by the Office of the Superintendent of Financial Institutions Canada (OSFI). Key Accountabilities A. Conduct Independent Review of Pillar I AIRB Approach for Credit Risk Capital Models (75%)For Credit Risk Retail and Wholesale AIRB Capital Models, provide effective challenge of regulatory compliance and/or assess regulatory compliance with OSFI's CAR Guideline and related Implementation Notes, including both New Models and Model Modifications.Participate in the Enterprise Self-Assessment Process (SAP) for compliance with OSFI requirements.Complete reviews of Capital Models, including Materiality Assessments (Quantitative and Qualitative) and Integration, Operations and Controls (IOC) as set out in the OSFI A-2 Implementation Note Capital Model Assessment Program (CMAP).Complete and document assigned reviews in accordance with established Independent Review Standard Operating Procedure (SOP) on an annual basis or within timelines required.Form a view of the status of compliance for Capital Models; identify Findings (gaps to full compliance) and Recommendations (areas for improvement), as well as completion of impact assessments.Ensure accurate and regular reporting within appropriate issues management systems.Prepare comprehensive and professionally written results which include Findings and Recommendations for stakeholders and executive audiences.Maintain effective challenge and compliance assessment supporting documentation in auditable form.Under the guidance of the Senior Manager and/or Director, undertake other activities, as required.B. Relationship Management (20%):Interact on a cross-functional basis with 1st, 2nd, and 3rd line stakeholders, while maintaining independence.C. Change and Innovation (5%):Provide recommendations to support continuous improvement of the Independent Review process to increase the efficiency and to support Lines of Business revenue-generation activities. Knowledge and Skills a) Knowledge Undergraduate degree in related discipline: business, quantitative finance, accounting, economics, mathematics/statistics.Strong math and statistic skills required.1-3 years risk management experience at a financial institution or consulting firm, in credit risk management, internal audit or regulatory compliance.Knowledge of Retail and Wholesale Credit Risk Capital ModelsKnowledge of Pillar I AIRB Approach, OSFI's Capital Adequacy Requirements (CAR) Guideline and related Implementation NotesKnowledge of banking products and their risk characteristics, including Retail and Wholesale Credit Risk productsKnowledge of Corporate Audit processesNice to have - Model Development or Model Validation experience for credit risk capital models at a bank or consulting firm.b) Skills Strong quantitative skills - Statistics, Math, Quantitative Finance.Excellent analytical skills and attention to detail and accuracyExcellent communication skills both written and verbalExcellent time management skillsGrade:6Job Category:Individual Contributor / CollaborateurWe're here to helpAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Senior Financial Analyst
Rogers, Toronto, ON
Senior Financial Analyst We are committed to connecting Canadians through unique partnerships, our world-class network and content Canadians love-and our innovative team is growing. We are looking for dedicated team members to join our Corporate team who have a genuine passion for making positive impacts on customers and the communities where we live and work. We have a variety of business units with exciting and meaningful work waiting for you, including Communications, HR, Legal and Corporate Affairs, Supply Chain, Finance, and Real Estate. If you are considering your next step, we have exciting opportunities waiting for you. Come build a rewarding career at Rogers and be a driving force behind our success story!This role is key to manage Corporate Retail, Telesales and Care channels commissions and also support the strategic vision of the business by providing sales compensation financial analysis for all consumer wireless decisions. The candidate will be heavily involved rate card change financial analysis and PIR compensation review that will support the business with strategic decisions within sales and retail environment.What you'll do: • Support the consumer wireless organization by providing financial analysis on all strategic decisions that sales compensation related • Complete post implementation reviews for all projects, business cases, and decisions • Present to all levels of senior leaderships • Support management in development of analyses and recommendations to support the business • Prepare monthly journal entries for accruals, adjustments, and other commission related items • Ability to complete in-depth analysis of commissions, rate cards for assigned channels • Collaborate with business partners to complete accurate forecasts supported with commentaries and business insights • Provide meaningful analysis and commentary on financial results compared to budget, forecast and prior year on a monthly basis • Identify risks and opportunities highlighted as a result of the month-end analysis that can be incorporated into future forecasts • Support the development and implementation of dashboards / KPIs to include in financial reporting • Work cross-functionally to assist in various financial and reporting requirements while ensuring that best practices of corporate standards and policies are complied with • Create new and maintain existing financial models to drive quantitative insights to support business decisions and/or opportunities assessment • Takes initiative in driving meaningful ad-hoc analysis for business partners and management team • Ad hoc requiredWhat you'll have: • An accounting designation (CPA) completed or in progress, MBA an asset • Previous experience working in an accounting firm is preferred (2-3 years experience) • Advanced Excel skills are a requirement • Candidate is expected to be a strong self-starter that is keen to learn about Rogers and the retail portfolio • Strong interpersonal skills and ease with communicating with various levels in the organization • Highly advanced analytical skills and detailed oriented • Knowledge of Essbase is an asset • Strong time management, with the ability to perform multiple tasks and objectives and prioritize effectively to meet timelines • Strong team skills, but ability to work independently • Able to adapt and work effectively within a variety of situations, adjusting easily to a change in job demands • Telecom, SQL and PowerPoint experience are assetsAs part of the recruitment process, the selected candidate will be required to complete a background check which includes credit and criminal checks. Schedule: Full time Shift: No Selection Length of Contract: Not Applicable (Regular Position) Work Location: 333 Bloor Street East (824), Toronto, ON Travel Requirements: Up to 10% Posting Category/Function: Finance & Accounting & Financial Planning and Analysis Requisition ID: 305286 #LI-JC1At Rogers, we believe the key to a strong business, is a diverse workforce where equity and inclusion are core to making everyone feel like they belong. We do this by embracing our diversity, celebrating our different perspectives, and working towards creating environments that empower our people to bring their whole selves to work. Everyone who applies for a job will be considered. We recognize the business value in creating a workplace where each team member has the tools to reach their full potential by removing any barriers for equal participation. We work with our candidates who are experiencing a disability throughout the recruitment process to ensure that they have what they need to be at their best. Please reach out to our recruiters and hiring managers to begin a conversation about how we can ensure that you deliver your best work. You matter to us! For any questions, please visit the Recruitment Process FAQ . Successful candidates will be required to complete a background check as part of the hiring process. Posting Notes:CorporateLocation: Toronto, ON, CA Being a Rogers team member comes with some great perks & benefits including: • Health & well-being benefits • Donation matching • Paid time off for volunteering • Wealth Accumulation including: Pension plan & Employee stock options • Generous employee discounts • Leadership development, Mentorship, and Coaching programs *available for full-time and part-time permanent employees, some restrictions apply Looking for career guidance and inspiration? Catch up on the latest episodes of For the Love of Work podcast with Dr. Sonia Kang.Job Segment: Finance MBA, Real Estate, Financial Analyst, Network, Telecom, Finance, Sales, Technology
Intermediate Quantitative Data Analysis to conduct quantitative data analysis and management in support of long term load forecasting.- 20335
S.i. Systems, Vancouver, BC
Our client is looking for Intermediate Quantitative Data Analyst to conduct quantitative data analysis and management in support of long term load forecasting.-203354 months contract (likely will extend), Hybrid or Remote within BCRequirements:5+years of strategic data analysis experience 2+ years’ experience in quantitative analysis5+ years’ experience with excel skillsExcellent English skills for professional environment, written and spokenAcademic backgrounds in Math, statistics, economics, or engineering.Nice to have:Experience with Tableau and SASResponsibilities:Produce long term energy and demand forecasts that are foundational to our revenue requirements, long term resource plans, capital plans and customer initiatives. \Produce load forecast variance reports, developing 20 year electricity and peak demand forecasts for select communitiesResponsible for quantitative analysis. Responsibilities for data management and analysis in support of our load forecast scenarios.Implement improvements to temperature normalization process.Translate business insights into strategic, actionable options by obtaining and organizing key business information, enabling informed decision-making.Facilitate decision-making across diverse groups of stakeholders by using excellent skills in communication, critical thinking, and persuasive influencing to deliver recommendations that align to the business goals.Maintain meaningful business relationships by prioritizing strategic considerations in a complex environment with diverse groups of stakeholders so that projects are implemented as planned.Plan and organize business initiatives by using knowledge in business drivers, risk tolerance, and trade-off processes, to enable successful integration and adoption in BC Hydro’s complex and regulated environment.Training and support will be provided by internal team Apply
Sr. Risk Manager - SBB Risk Strategy
TD, Toronto, ON
Hours 37.5 Workplace Model Hybrid Pay Details We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with your recruiter and ask compensation related questions, including pay details for this role.Department Overview The TD Small Business Banking (SBB) Risk Strategy Team is responsible for the development and execution of SBB automated credit adjudication strategies and initiatives that assist our SBB product partners to achieve growth and profitability targets ensuring portfolio performance remains within risk appetite. Accountabilities include providing effective challenge on SBB initiatives, as well as designing, implementing and monitoring credit risk strategies and policies. Job Details Reporting to the AVP TDAF/SBB Risk Management, the Sr. Risk Manager will lead the team of Risk Professionals, provide thought leadership on SBB Credit Risk Management Strategy & Policy activities, provide effective Risk Challenge to Product partners, while enabling their business growth within risk appetite through enhancements to auto decisioning acquisition strategies. The successful candidate will lead a team in a fast-paced and results-oriented environment, ensure effective stakeholders and project management and build/maintain an ownership & learning culture where ongoing team and individual development and strong Pulse results are prioritized. Specific accountabilities include: •Lead effective challenge on the health of the SBB Portfolio, including participating in portfolio monitoring, strategy development and policy management •Enable business growth within risk appetite through leading SBB auto adjudication strategies and policies activities •Set, monitor and lead the execution of Risk management activities to help SBB achieve business growth within Risk Appetite •Manage the relationship with various stakeholders, including SBB Product groups, Retail Credit Risk Policy (RCRP), Model Validation, Technology partners and external vendors •Provide guidance and thought leadership to a team of Risk Management Professionals on Strategy design and Policy management •Represent Retail Risk Management as a subject matter expert in the planning of new initiatives and product launches Job Requirements This role requires a strong People Leader with Risk Management and business knowledge, effective stakeholders and project management skills, as well as understanding of technology tools used by a team: Risk Management and Business Knowledge: •4-6 years of Credit Risk Management Experience in a financial institution or similar is a strong asset •Understanding of retail credit products, policies and processes, SBB experience is a strong asset •Understanding of credit risk principles and TD risk framework •Demonstrated analytical, reporting and problem-solving skills Leadership Skills: •Ability to inspire and lead a team of professionals •Excellent stakeholder and relationship management skills •Strong ownership mentality and can-do attitude •Flexibility and resilience to execute in an agile environment, including the ability to manage multiple tasks concurrently •Strong presentation and communication skills Technical Skills: •Familiarity with SQL, SAS, familiarity with Python, R, Tableau •High Proficiency in MS Office: Excel (Pivot tables and etc.), Word and PowerPoint Additional Information Education and Accreditation •Post-secondary degree is required (preferably in a quantitative field: i.e. Math, Statistics, Computer Science or similar). •A Master's Degree is an asset. Company Overview Our ValuesAt TD we're guided by our purpose is to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Making Your Well-being a PriorityA supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars - physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best. Our Total Rewards PackageOur Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their 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 including medical, dental, vision & mental health coverage, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. How We WorkAt TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: Hybrid, Onsite and Primarily Remote. Wherever our colleagues are working, they'll always have access to the TD community and experience our culture of care. Who We AreTD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches. Every day, we deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Inclusiveness Our Commitment to Diversity, Equity, and Inclusion At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. 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. How We're Helping Make an Impact in Communities TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. We look forward to hearing from you!
BMO Summer 2025 Global Markets Analyst (Generalist & Quantitative/Developer), Toronto
BMO, Toronto, ON
Application Deadline: 05/01/2024Address: 100 King Street WestJob Family Group:Capital Mrkts Sales & Service BMO Capital Markets BMO Capital Markets is a leading, full-service North American-based financial services provider offering equity and debt underwriting, corporate lending and project financing, merger and acquisitions advisory services, securitization, treasury management, market risk management, debt and equity research and institutional sales and trading. BMO Capital Markets has over 2,800 professionals in 35 locations around the world, including 23 offices in North America.BMO Capital Markets is a member of BMO Financial Group (NYSE, TSX: BMO), one of the largest diversified financial services providers in North America with US$924 billion total assets and approximately 57,000 employees as of April 30, 2023.Program Overview:Summer Analysts work in the Global Markets Group of BMO Capital Markets, comprising Client Coverage, Origination, Digital and Liquid Trading, Structured Products Trading, Equity Products, and Financial Resource Management. Global Markets serves institutional, corporate, and government clients.A variety of desks host Summer Analysts including Equity Sales and Trading, Clearpool E-trading, Prime Finance, Structured Notes Sales and Trading, Leveraged Finance, Securitized Products Sales and Trading, Origination, Debt Capital Markets, and US Interest Rates Sales and Trading.Summer interns will work on one desk in Global Markets over a 15-week period. Interns will be provided with desk job descriptions prior to starting and will be placed based on preference and skill set. Each intern will complete one week of onboarding and training with other interns across BMO Capital Markets. There are continuous professional development activities throughout the summer. These activities include teach-ins, trading games, meetings with senior leaders, and networking events with both peers and Senior Leadership.Responsibilities: Summer interns are fully integrated into an assigned desk. Responsibilities will vary widely from day to day based on the needs of the business and the current market environment. Depending on the assigned desk, intern skill set, and business needs, responsibilities may include:Development and deployment of business solutions such as pricing and risk modelsMarket data capture and display, spreadsheet developmentProviding insight into trading strategies leveraging quantitative modellingImproving on existing technology involving system infrastructure, internal reporting, client/management presentations, etc.Bespoke projects requiring market, portfolio, or client research and data analyticsCreating client presentation materials using PowerPoint and ExcelDeveloping client trade ideasPlanning client eventsRecapping and organizing market data and eventsShadowing and learning from Trading, Sales, and Strategy professionalsQualifications: We are looking for highly motivated individuals who can work well in a competitive, market-driven, team-based environment and seek a challenge. Global Markets encompasses a diverse group of individuals with a variety of skill sets and job functions. We look to create a diverse intern class that can fit into different roles across Global Markets.Required Qualifications:Currently enrolled in an undergraduate or Master's program with a graduation date of December 2025 or Spring 2026Strong academic record -minimum 3.4/4.0 GPA Extracurricular achievement;Demonstrated interest in and knowledge of financial markets;Excellent research and analytical skills, able to collect, analyze and interpret data;Strong interpersonal skills used within a demanding team environment;Demonstrated proactivity, resiliency, positive attitude and high motivation;Strong written and oral communication skills;Ability to attentively review, assess and provide detailed information daily on multiple projects in an organized manner;Excellent capacity to independently function as part of a team through self -motivation;Strong work ethic and a high level of professional integrity;Detail and results orientated.You are a Canadian citizen, permanent resident of Canada, or an individual who is legally authorized to work in Canada and will not require sponsorship in the futureAdditional Preferred Technical Qualifications: Currently working towards a degree in: Finance, Engineering, Actuarial Science, Computer Science, Mathematics, Physics, or Statistics;Knowledge and/or experience of front-end developer languages (HTML, CSS, JavaScript, React, Angular);Knowledge and/or experience in back end developer languages (C++, C#, Java, Python, VBA);Knowledge and/or experience of at least one type of statistical programming language (i.e. R, MatLab);Database experience (SQL, Oracle);Familiarity with data manipulation and strong quantitative/statistical background;Understanding of mathematical models;Fluency in Excel, including scripting and efficient spreadsheet design;Strong technical writing ability.How to Apply: For your application to be eligible for consideration, please apply to this posting.Please ensure the following items are submitted in your application. 1. Resume2. Transcript - please upload it in the resume section when applying in BMO's Workday application system)The campus job description above aligns to the full time job description below.Provides a markets-based suite of sales and trading solutions to Institutional, Corporate, and Retail clients. Offers a full spectrum of integrated capabilities to deliver leading market insight, risk management, and execution services to issuing and/or investor clients, including access to major global markets across asset classes including: debt, foreign exchange, interest rate, credit, equity, securitization, and commodities. Provides competitive pricing to all clients and seeks out new opportunities with prospective clients. Maximizes profit while prudently minimizing the bank's exposure and adhering to regulatory statutes.Acts as point person to provide client support in the form of proposals, marketing material, event planning, and scheduling with the cooperation of trading and sales, research, and marketing and with the support of a senior leader.Responds to inquiries from clients, regulatory agencies, or members of the business community in a professional manner and determines acceptable solutions.Helps manage the flow of inquiries, market data, and other information from clients. Routes client calls appropriately and responds quickly to client questions.Seeks to develop an understanding of client needs and outcomes.Coordinates conference calls, client events and meetings.Maintains a proactive, client service focus in order to meet their needs and increase revenue; contacts customers to present available investment services and develops client prospects from among current customers, referral leads and other sources.Verifies that all confirms on trades or sales are accurate and promptly delivered.Communicates transaction details to the brokerage community and custodians. Resolves settlement issues related to incorrect billing.Answers phones, file, fax, and coordinates meeting and travel arrangements.Develops strong market knowledge to provide comprehensive service to clients, develop new solutions, and construct compelling recommendations.Reads, analyzes and interprets common technical journals, financial reports, and legal documents in order to better serve client needs.Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.Builds effective relationships with internal/external stakeholders.Ensures alignment between stakeholders.Cultivates strong relationships with the research team in order to understand their industries and stock coverage.Uses analytical skills (probability, statistical inference, etc.) and applies appropriate technical concepts and completes/leads consistent and reliable technical and financial reports/analyses to support client deliverables.Defines problems, collects data, establishes facts, and draws valid conclusions.Develops an understanding of and proficiency in using all required systems and models.Supports change management of varying scope and type; tasks typically focused on execution and sustainment activities.Executes a variety of administrative and analytical tasks as assigned and with minimal supervision (e.g. procedural documentation, brokerage and client commission reporting, maintenance of contacts database, disaster recovery planning, tracking and updating of periodic trading or sales metrics, etc.).Administers all aspects of the sales and or trading desk, record keeping, reporting, and file maintenance in accordance with internal controls and compliance policies and external regulations.Responds to requests for information from both internal and external sources.Communicates market data and client changes to colleagues when they are on the road or in meetings.Provides feedback on, and, supports continuous improvement opportunities.Considers risk, internal controls and compliance as part of day-to-day accountabilities and adheres to policies and procedures.Focus may be on a business/group.Thinks creatively and proposes new solutions.Exercises judgment to identify, diagnose, and solve problems within given rules.Works mostly independently.Broader work or accountabilities may be assigned as needed.Qualifications:Typically between 3 - 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.Familiarity with institutional equity markets.Series 7, 63 licenses.Able to read, analyze, and interpret general business periodicals, investment and financial reports.Strong familiarity with Outlook, Excel, Reuters Plus, Bloomberg, public finance/business news websites is desired.I-Star familiarity.Specialized knowledge from education and/or business experience.Verbal & written communication skills - In-depth.Collaboration & team skills - In-depth.Analytical and problem solving skills - In-depth.Influence skills - In-depth.Please note the salary for this specific position is $95,000.Compensation and Benefits:Pay Type: SalariedThe above represents BMO Financial Group's pay range and type.Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards We're here to helpAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.To find out more visit us at https://jobs.bmo.com/ca/en .BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.