Title:  Manager, Financial Crime Regulations & Payments

Requisition ID: 258244 

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

As Manager, Financial Crime Regulations & Payments within Fraud Threat Management, you bring deep knowledge of domestic and international legislation, regulation, and voluntary frameworks that influence fraud and scam outcomes across sectors. You apply this expertise to shape and advance the Bank’s customer protection and fraud disruption objectives. The role focuses on engaging external stakeholders to disrupt financial crime at its source through cross‑sector collaboration, shared controls, and aligned financial or liability incentives. This includes active participation in public‑private and industry partnerships involving government bodies, telecommunications providers, social media platforms, digital advertising networks, other financial institutions, industry associations, and technology providers—including frontier AI model developers. As a subject matter expert, you also play a critical role in advising and educating internal stakeholders on emerging regulatory, policy, and industry developments, ensuring Scotiabank’s fraud strategy remains informed, coordinated, and forward‑looking.

Is this role right for you? In this role you will:

• Monitor, assess, and interpret domestic and international legislation, regulation, and voluntary industry initiatives impacting fraud, scams, and customer protection outcomes.
• Lead Scotiabank’s engagement in public‑private and cross‑sector partnerships focused on fraud and scam disruption, including collaboration with government bodies, law enforcement, telecommunications providers, social media platforms, digital advertising networks, and peer financial institutions.
• Maintain active engagement with industry counterparts in similar roles at other financial institutions to stay current on emerging cyber‑fraud trends, threat actor tactics, and effective mitigation approaches.
• Engage with payments network threat intelligence teams and other relevant industry intelligence functions to ensure ongoing awareness of changes in the payment fraud threat landscape.
• Represent the Bank in industry forums, working groups, and consultations to influence policy, standards, and collective actions that reduce the scale, profitability, and impact of fraud.
• Identify and advance opportunities for cross‑sector controls, information sharing, and incentive or liability alignment that address fraud at its point of origin.
• Build and maintain strategic relationships with industry associations, technology solution providers, and emerging technology firms—including frontier AI model providers—to support innovation in fraud prevention and disruption.
• Review and analyze aggregated customer complaint data related to fraud, as well as fraud investigation findings arising from customer claims, to inform understanding of internal trends and emerging risk themes.
• Synthesize external intelligence, industry insights, and internal trend analysis to identify gaps, emerging risks, and opportunities to strengthen Scotiabank’s fraud strategy and control environment.
• Advise internal stakeholders across Fraud, Legal, Compliance, Technology, Cybersecurity, Government Relations, and Business Lines on industry developments, policy trends, and evolving fraud threats.
• Support the development of Scotiabank’s positions on fraud‑related policy, regulatory consultations, and industry submissions, ensuring alignment with customer protection and enterprise risk objectives.
• Contribute to executive‑level briefings, internal education, and thought leadership to enhance awareness of the evolving fraud threat landscape and cross‑sector mitigation strategies.
• Track and report on the effectiveness of industry engagement activities, partnerships, and intelligence inputs, highlighting outcomes and recommendations to senior leadership.

Do you have the skills that will enable you to succeed in this role?  We’d love to work with you if you have:   

• Bachelor’s degree in Public Policy, Business Administration, Risk Management, Law, Communications, or an applicable related field
• 5+ years experience in financial services, public policy, fraud management, advisory or regulatory affairs
• Strong understanding of fraud risk, risk frameworks, scam prevention and consumer advocacy, and financial crime regulations
• Strong understanding of payments ecosystem, including: Real-time payments, interchange and card rails, Wire, ACH, RTR, and Stored value, e-money, digital wallets
• Experience working with government agencies, industry associations, or regulatory bodies
• Strong facilitation and presentation skills
• Excellent analytical, communication, and stakeholder management skills
• Proficiency in data analysis to identify trends, vulnerabilities, and opportunities for improvement 

What’s in it for you?

• A rewarding career path with diverse opportunities for professional development
• An organization committed to making a difference in our communities – for you and our customers.
• A competitive rewards program includes annual bonus, flexible vacation, personal and sick days, and comprehensive benefits that start on your first day. 
• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and 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. 

Location(s):  Canada : Ontario : Toronto 

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.  

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our  Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.