EQ Bank | Equitable Bank

Risk

• The Senior Analyst Operational Risk Management provides support in the development of operational risk standards, tools, processes, and systems.
• Execute oversight and reporting of operational risk management practices across the organization.
• Focus on supporting the advancement of the Operational Resilience initiative to achieve regulatory requirements under OSFI E21 guideline.
• Map and analyze business processes as needed.
• Collect and interpret business process data.
• Contribute to the development of a critical process repository.
• Lead workshops to collect insights and communicate with stakeholders at all levels.
• Provide clear updates on project status and escalate issues to stakeholders as needed.
• Drive business process design for risk related initiatives.
• Build reporting to support project deliverables including presentations, dashboards and status.
• Research and provide in depth analysis and guidance on enterprise and operational risk industry standards and best practices.
• Create and maintain operational risk management guidelines, manuals and tools.
• Maintain risk management internal standards, including timely resolution of internal and external issues and engagement with key stakeholders.
• Monitor any deficiency management processes and action plans.
• Work with business units and departments to assist with their overall operational risk management obligations.
• Assist the business with facilitation of the Risk and Controls Self-Assessment (RCSA) process, new initiative risk assessments, as required.

Senior Analyst, Operational Risk

Financial Planning and Analysis

• The Senior Financial Analyst will be responsible for developing and maintaining financial models that are distributed to management on a monthly and quarterly basis
• Key deliverables encompass business unit profit & loss reporting, mortgage renewal & pricing analyses, mortgage continuity reports and budget/forecasts
• This role will require the candidate to run detailed financial models, liaise with different business units and extract and manipulate data from various information sources
• The incumbent will employ advanced Excel skills such as Pivot Tables, Nestled “IF” Statements, VLOOKUP, OFFSET, SUMIFS, MATCH-INDEX, etc. to build efficient and accurate financial models
• The candidate will work closely with various team members to define, scope and implement enhancements to detailed financial models, including budgeting/forecasting tools
• The Senior Financial Analyst will help structure key processes and develop relevant background documentation with a view to enhance efficiencies and manage risk
• Perform ad hoc reporting and analysis requests as required with a high degree of flexibility and attention to detail
• Reporting requests may require the candidate to collect, consolidate and analyze financial data and key performance metrics derived from various sources
• The candidate may be required to assist in other areas of the Accounting and Finance department and other business units as needs arise

Senior Financial Analyst, Financial Planning & Analysis

Public Relations

• Maintains and updates mortgage files from the commitment approval stage to loan funding
• Reviews mortgage files and corresponds with mortgage brokers for outstanding documents
• Adjudicates documents according to FINTRAC and internal guidelines
• Mitigates fraud within the Single Family Residential Department

Residential Mortgage Officer, Bilingual

General Counsel

• Provide legal analysis and transactional support, including the review, preparation and negotiation of agreements and documentation, and providing advice on complex issues with an emphasis on commercial real estate and secured lending
• Working closely with the Bank’s Originations, Credit and Underwriting, Portfolio Management and Special Loans (Defaults) teams, provide advice on deal structuring, intercreditor arrangements, taking effective security, and ensuring the Bank’s interests are protected
• Provide timely and accurate responses to questions from internal stakeholders and business partners to facilitate transactions within predetermined timeframes
• Assist with internal governance, policy development, and training initiatives to promote legal awareness, risk mitigation and a culture of compliance
• Support new product development and strategic initiatives by identifying legal implications and ensuring compliance with applicable laws
• Research substantial legal issues and federal and provincial legislation to evaluate implications for the Bank, and undertake special projects as required
• Proactively identify emerging issues and legal trends, and evaluate the legal risks to the Bank for escalation to management as necessary
• Maintain proximity to applicable industry and market trends in Canadian finance, commercial real estate and project development, and participate in industry groups
• Work in a fast-paced, detail-oriented environment and manage multiple deadlines and priorities
• Work with minimal supervision and exercise excellent judgment on complex, confidential and sensitive decisions
• Contribute to the development of precedents, commercial templates, playbooks and best practices for business initiatives to streamline internal processes and minimize reliance on external counsel
• Direct and oversee external counsel to ensure cost-effectiveness and high-quality service

Senior Counsel, Commercial Banking

QA Engineer

• Develop, implement and maintain quality assurance processes to ensure AML policies and procedures are designed and operating effectively.
• Identify potential AML/ATF/SE risks and conduct reviews to ensure compliance with regulatory requirements.
• Review and test AML/ATF/SE processes, including customer due diligence, transaction monitoring, suspicious transaction reporting, etc.
• Offer training and guidance to AML staff on quality assurance, risk management, and regulatory compliance.
• Consistently provide professional written reporting on a regular basis on quality of testing and monitoring routines, emerging trends, and progress of compliance efforts.
• Actively identify and provide sound recommendation(s) to the Associate Director on areas of improvement to close gaps.
• Collaborate with stakeholders such as AML teams, compliance departments, and other stakeholders to ensure AML quality assurance standards are met.
• Stay up-to-date with regulatory requirements by monitoring and interpreting AML regulations, guidelines, and industry best practices.
• Continuously assess and improve AML quality assurance processes to ensure they remain effective and efficient.
• Actively support the Associate Director, AML Governance with the development and maintenance of enterprise-wide AML/ATF/SE-related documents.
• Consistently ensure the work submitted to the Associate Director, AML Governance and other stakeholders are of the highest quality, and providing oversight to ensure the same for AML team members.
• Leads a team of AML Officers and establishes a two-way working relationship with direct report(s) to solicit their views on the working environment, potential changes affecting their work and continuous improvement opportunities.
• Builds and sustains a team that is capable of monitoring and testing ML/TF risks across the Bank, delivering and maintaining the performance required for the department, including coaching and the creation and implementation of training and development plans.
• Promotes a positive work environment that fosters collaboration, innovation, and synergies.
• Empowers staff with resources and tools to be successful in the role.
• Monitors regulatory and internal changes to recommend updates in monitoring and testing activities.

Associate Manager, AML Quality Assurance

Security Analyst

• Analyzing and assessing the organization's information security risks.
• Managing the company's risk register, ensuring accuracy and updates.
• Facilitating risk identification and assessment workshops with stakeholders.
• Monitoring and reporting on risks to management.
• Conducting third-party cyber risk assessments and providing recommendations.

Cyber Security Analyst – Governance, Risk & Compliance

Analyst

• Senior Analyst, Fraud Strategy & Analytics will be reporting to Manager, Fraud Strategy and Analytics
• The Senior Analyst be responsible for creating an effective and balanced fraud mitigation program for digital banking through fraud strategy & analytics, monitoring & data management as well as coordinating response to fraud incidents
• This would also include supporting on a variety of projects including defining fraud framework in EQ Bank
• These projects involve cross-functional teams and contribute to the overall strategy and direction of the company and support senior executive and Board-level decision making

Senior Analyst, Fraud Strategy – Analytics

• Review and score a random sample of verbal and written communication interactions handled by individuals each month to ensure adherence to all applicable policies and procedures
• Review and score a random sample of administrative transactions processed by individuals each month/quarter to ensure adherence to all applicable policies, procedures, and service levels
• Complete end-to-end review of specified processes that may cross over teams and/or departments
• Complete audits using departmental procedures and predefined criteria set by Management
• Provide unbiased, relevant results and feedback to Management team
• Provide summary reports quarterly to department head
• Facilitate periodic call quality calibration sessions with Management team to ensure scoring consistency
• Facilitate quarterly call quality calibration sessions with Management team and external Customer Service vendor
• Provide recommendations to improve operations and training materials to Management team based on observed trends and results

Quality Assurance Specialist, Bilingual – English, French

• Serve as the ambassador of EDG group, working closely with many teams across EQB on implementation and oversight of enterprise data engagement and governance policy, goals, standards, practices, processes, and change management.
• Engage with Business and Technology leadership to improve the quality and value of enterprise data assets, respond to regulatory requirements as well as support the strategic requirements of the organization.
• Support the development, application and deployment of data policies and processes and influence Business Units to adopt Data Governance best practices.
• Support data stakeholders in maintaining Enterprise Business Glossary and other associated metadata by facilitating application of best practices, processes, and procedures.
• Ensure the application of Data Quality guidance and controls throughout the data lifecycle, with a focus on continuous data and process improvement.
• Prepare and deliver status updates on Data Quality by developing and updating an executive dashboard through the development and application of KPIs.
• Certify that all the metadata entered in the Data Governance tool is correct and validated by the data owner (including Business Glossary definitions) and maintain an inventory of Data Controls.
• Contribute to maintenance and ongoing evolution of data governance framework, policies, standards, and associated processes to support program objectives.
• Lead various assessments across the enterprise to support compliance with Canadian regulatory requirements.

Senior Analyst, Enterprise Data Governance

Security Engineer

• Oversee the Threat Modeling team and their processes, ensuring effective operation and high-quality output
• Develop and guide high-priority security patterns for critical technology use cases with stakeholders
• Lead discussions on control designs and make decisions based on comprehensive cost/benefit analysis
• Work with development, cloud, and infrastructure teams to identify and prioritize cyber threats and vulnerabilities during design
• Collaborate in Architecture Review Council to align projects with the organization’s risk appetite and compliance requirements
• Provide guidance and validation for secure configurations across cloud environments, endpoints, APIs, and identity solutions
• Lead or support security tooling integration (WAF, DLP, IAM, SIEM, EDR) in product pipelines and infrastructure
• Educate engineering and business teams on secure design practices and threat awareness
• Direct team goals and objectives and align them with strategic business priorities
• Cultivate a culture of continuous improvement, mentorship, and professional development within the Threat Modeling team
• Manage team performance, provide clear direction, and set performance standards in line with organizational expectations

Manager, Cybersecurity and Threat Modeling

Bilingual

• Proactively establish and maintain contact with borrowers in assigned portfolio 90 to 180 days prior to maturity to retain them
• Negotiate renewals within predetermined pricing range, adhering to underwriting criteria and policies
• Assess borrowers individually and recommend suitable solutions while protecting bank's interest
• Monitor mortgages that no longer meet risk standards and work with borrowers/brokers to transition
• Manage day-to-day maintenance of five months’ worth of loans, ensure timely email and phone response
• Prepare and process loan renewal documents once signed and returned
• Ensure procedural and compliance requirements are met and documents archived correctly
• Document all actions in customer tracking database
• Ensure AML/ATF requirements are met for files
• Systematically track interactions and maintain monthly portfolio spreadsheets
• Complete additional projects/tasks related to SFR Renewals and collaborate with other departments

Bilingual Renewal Advisor / Conseiller en renouvellement, FR/ENG

Data Analyst

• Financial Analysis & Reporting/Ad Hoc Reporting: Preparation and development of reporting for both corporate and business line financial performance; Monitoring, continually assessing, and measuring results and processes against established risk frameworks; Directly supporting revenue generation by providing business units with the timely information and reporting and analysis necessary to transact, understand, manage and optimize associated market and operational risks; Development and preparation of reporting of key portfolio performance and profitability measures and exposure levels to key risks, producing analysis to support hypothesis, recommendations and decisions; Providing timely reporting of information to facilitate informed business decisions; Reporting requests may require the candidate to collect, consolidate and analyze financial data and key performance metrics derived from various sources; A high degree of flexibility, autonomy and attention to detail, often under tight timeframes; Key deliverables includes, but are not limited to: Business Unit specific portfolio reporting; Business Unit specific efficiency and KPI reporting; Continuity Reports (Actual and Budget vs. Actual); Ad-hoc reporting, as required by Senior Management and Executive Management; The candidate may be required to assist in other areas of the Accounting and Finance department and other business units as needs arise; Support strategic center of excellence by preparation of analysis as required, as well as leading specific strategic financial analysis as required; Assisting with the implementation of business unit tactics that support corporate strategies; Providing unbiased and objective opinion and analysis of Front Office business decisions
• Maintenance of Financial Models: Liaise with Management within various Business Units to collect relevant assumptions which drive Financial Model output; Develop and maintain dynamic models to conduct financial analysis of business lines, projects, and products; Key deliverables include, but are not limited to: Annual Budget Model, Monthly Financial Forecasts, Business Unit NIM, Business Unit ROE and Pricing analysis; This role will require the candidate to run and review output from detailed Financial Models; Responsible for accuracy of data extraction and interpretation of data from various information sources; Training, problem solving, delegating workflow, and reviewing analysis and reporting with Analysts in the Analytics group
• Enhance Financial Analysis and Processes: Assess and recommend improvements to the Annual Budget and Monthly Forecasting Process, including the use of Budgeting/ Forecasting tools Proactively find ways to improve the technical accuracy, validation, and organization of Financial Analysis; Structure key processes and develop relevant background documentation with a view to enhance efficiencies and manage risk; Reporting, identifying, assessing and analyzing the impact of operational risk inherent in products, activities, processes and systems for which it is accountable

Analytics Manager

Administration

• Manage and supervise the Commercial Servicing and Administration department to ensure optimum service and adherence to policies and procedures
• Review and approve Subsequent Advances, Operating Line Advances, Partial Discharges, Undertaking/Holdback releases, and PPSA renewals
• Support Senior Manager with Investor Specialized Financing servicing transactions including monthly remittances
• Support syndication team with partner remittances, partner inquiries and day to day loan servicing
• Ensure monthly follow-up for Undertaking/Holdbacks and prioritize/assign tasks to team members
• Maintain excellent customer service levels and prepare reports relied upon by Senior Management
• Motivate and support professional growth of the team, including training, development plans, target setting and performance reviews
• Promote team engagement and the Bank’s Core Values and participate in management/department meetings and special projects
• Assist with implementing servicing builds and new platforms and create complicated Excel-based spreadsheets
• Reconciliation of accounts and ensure files are compliant prior to signing cheques and accurate disbursements of funds
• Communicate and cooperate with external parties (Clients, Lending Partners, Solicitors, Brokers) and internal departments to maintain business relationships and compliance
• Assist Associate Director with reporting and procedures to comply with lending and regulatory requirements (Basel II, ICOFR, OSFI, CCPM, User Guides)

Bilingual Manager – Commercial Servicing and Administration

Account Manager

• Underwrite renewals, assumptions, annual reviews and ad-hoc requests for all commercial mortgage product types
• Adhere to established policies, underwriting standards, compliance and control requirements
• Provide timely solutions to clients to achieve service goals and annual retention targets
• Perform reporting and pipeline management and manage relationships with external partners and internal departments
• Ensure all lending criteria, including acceptable ROE thresholds, are satisfied and outstanding documentation/conditions are met
• Deliver superior customer service and communicate with partners, brokers, counsel, management, funders and coordinators to meet deadlines
• Contribute to special projects as assigned
• Make sound underwriting decisions independently, manage complex files, and follow corporate policies and regulatory requirements

Bilingual Commercial Account Manager, Portfolio Management

Director

Purpose
The Director, Mortgage Enforcement is responsible for oversight and management of the Bank’s Personal Banking mortgage portfolio in default. The Director is an expert in mortgage enforcement and is responsible to effectively oversee the default portfolio to ensure financial loss mitigation and cost management. The incumbent is the key contact for both internal and external stakeholders and partners and is required to build and maintain professional and effective relationships.

The Director prepares and delivers materials to Senior Management to display results and trending for impaired loans, including specific provisions and forecasts, in a concise and professional manner. The Director provides direction and support to the Defaults Team as required and ensures solid documentation of, and adherence to, company policies and procedures.

Director, Mortgage Enforcement

Underwriter

• Support underwriting from receipt of deal through funding stages for document fulfilment and review, loan set-up and reporting
• Ensure compliance with lending and AML guidelines and deal requirements
• Assist with management of loan maturities and maintenance of team pipelines
• Prepare ad-hoc reporting and special projects requested by senior management
• Collaborate with Commercial underwriting team, Commercial Funders and Administrators and other internal departments

Commercial Mortgage Underwriting Associate

• The Securitization Analyst will be responsible for assisting with the effective and efficient administration and reporting of the Bank’s securitization programs.
• Responsibilities will include assisting with the execution of new securitization issuances and ongoing administration, preparing monthly investor reports, accounting, and financial analysis.
• This role requires the individual to possess well developed interpersonal and communication skills.
• The role will require comprehensive skills to interpret and analyze financial data.
• The Securitization Analyst will work closely with internal and external stakeholders including the Bank’s Accounting group, Capital Markets and Treasury departments, CMHC, Computershare, strategic business partners, third party service providers, and the Bank’s external auditors.
• Strong organization and multi-tasking skills are a must.
• The individual should be able to work independently, take initiative, and have good attention to detail.

Securitization Analyst

• The Estates and Trusts Administrator is responsible for independently managing a wide range of estate and trust files, each with unique legal, financial, and procedural requirements.
• This includes interpreting wills, trust deeds, and court documents; initiating and processing asset transfers; preparing documentation for tax filings; and ensuring compliance with trust accounting principles and legislative timelines.
• The role also involves direct communication with legal counsel, financial institutions, government agencies, and beneficiaries—requiring a high level of professionalism and discretion.
• In addition to these core responsibilities, the Administrator is empowered to authorize disbursements up to $100,000 within the Delegation of Authority framework.
• They play a key role in identifying and mitigating risk, recommending procedural improvements, and maintaining system integrity through participation in upgrades and regression testing.
• The Administrator also contributes to team development by training new employees and reviewing peer work.

Estates and Trusts Administrator

• The Residential Mortgage Officer is responsible for maintaining and updating mortgage files from the commitment approval stage to the time the loan is funded. This mainly includes the reviewing of files, correspondence with mortgage brokers to request outstanding documents and the adjudication of documents as per FINTRAC, internal AML/ATF guidelines and EQB policies and procedures. The Residential Mortgage Officer also plays an integral role in the mitigation of fraud within the Single Family Residential Department.
• Ce poste est une partie essentielle de notre équipe Prêts hypothécaires résidentiels traditionnels. Vous serez responsable de la tenue et de la mise à jour des dossiers hypothécaires de l’étape où l’engagement est émis jusqu’au moment où l’avocat ou le notaire reçoit ses instructions.