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About the Role
This role contributes to the oversight of mortgage-related fraud, AML, and reputational risk reviews across various channels within the Real Estate Secured Lending (RESL) business in Canada. The Manager acts as a key resource for file reviews, identifying trends and risks, and providing guidance on escalations and remediation. The role strengthens RESL's lending practices through investigative capability, supporting a resilient and well-governed mortgage business.
Responsibilities
- Acts as a subject matter resource for mortgage fraud risk, investigative assessments, and reputational risk matters.
- Leads and supports enhanced mortgage file reviews and targeted due diligence assessments where elevated risk concerns are identified.
- Uses data-driven insights to identify files, individuals, channels, or patterns requiring further review.
- Provides day-to-day oversight, coaching, and quality reviews promoting consistent investigative practices.
- Provides AML, KYC, and Enhanced Due Diligence support for mortgage-focused reviews.
- Develops clear, supportable recommendations for senior decision-making on remediation actions and escalations.
- Identifies, analyzes, and communicates risk themes arising from file reviews and emerging fraud trends.
- Collaborates with internal and external partners to synthesize investigative findings and inform follow-up actions.
- Understands how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
- Champions a high performance environment and contributes to an inclusive work environment.
- Supports specialized mortgage investigations by providing day-to-day oversight of complex investigative matters.
- Oversees deep-dive investigative work driven by analytics, risk indicators, and emerging fraud trends.
- Acts as an escalation and advisory point for front-line, business, and customer-related matters where potential misconduct or risk is identified.
- Supports internal and external stakeholder engagements by contributing clear, defensible information on investigative findings and remediation considerations.
Requirements
- Post-secondary education in a relevant field (e.g., business, criminology, finance, law), complemented by specialized training or certifications in Fraud, AML, or financial crime investigation.
- Practical experience in mortgage lending, fraud, AML, or financial crime risk management.
- Strong knowledge of mortgage origination, underwriting, documentation, policy requirements, and common indicators of mortgage fraud or misrepresentation.
- Demonstrated investigative or review experience, including the ability to assess file evidence, identify patterns, challenge conclusions, and determine appropriate escalation or remediation paths.
- Working knowledge of RESL systems, processes, and controls, including MIMS or related mortgage adjudication and documentation platforms.
- Strong written and verbal communication skills, with the ability to summarize findings, explain risk implications, and influence business partners and control functions.
Skills
- Fraud investigation
- AML investigation
- Financial crime investigation
- Mortgage lending
- Risk management
- Mortgage origination
- Underwriting
- Policy requirements
- Investigative assessment
- Data analysis
- Communication skills
Location
- Canada
- Ontario
- Toronto
Work Type
- Full-time
Experience Level
- Manager
Education Level
- Post-secondary education
Benefits
- Bonus
- Flexible vacation
- Personal days
- Sick days
- Comprehensive benefits that start on your first day
About the Company
- Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.
Equal Opportunity
- Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.
- Accessibility and Workplace Accommodations - We value the unique skills and experiences every individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. Scotiabank continues to locate, remove and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.