Senior Counsel, Secured Recovery

The pay details posted reflect a temporary market premium specific to this role that is reassessed annually. TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Department Overview: TD Legal TD Legal is dedicated to providing industry-leading strategic legal advice and risk-calibrated counsel to all TD business segments and corporate functions.  Collaborating with talented colleagues and partners in a variety of legal specializations, members of TD Legal have the chance to develop their skills every day.  From mentorship and training programs to leadership development, we will help you realize your full potential and achieve your career goals.  Canadian Banking Canadian Banking is comprised of TD's Canadian personal banking and business banking segments and is the engine of TD Bank representing over 35% of the bank's revenues.  Our dynamic, talented and collegial team of legal professionals provide advice about a wide range of legal issues in Canadian Banking.  We are a results-driven, high-performing team and in this role, you will have the opportunity to support multiple business teams and stakeholders across the enterprise, delivering strategy, risk mitigation, and legal guidance.

Overview & Key Responsibilities: The Senior Counsel, Secured Recovery, is responsible for supporting recovery of mortgages and other secured lending products, as well as providing strategic and legal advice to the business on such matters. This role requires strong judgment, the ability to navigate ambiguity, and a focus on enabling business outcomes within TD’s risk appetite. The successful candidate will work closely with Customer Assistance- Mortgage Recovery Unit and other risk partners and stakeholders to support secured recovery portfolio across Canada. You will: Provide risk-calibrated legal advice that enables business strategy while managing legal risk Deliver clear and direct guidance, including on sensitive or high-risk matters Translate complex legal issues into clear, practical guidance for business partners Influence decision-making in complex and ambiguous situations Identify emerging risks, regulatory developments, and industry trends, and proactively advise on impacts Build strong, trusted relationships with senior stakeholders across Legal, Risk, and the business Support and mentor other counsel; contribute to team development and culture Drive innovation in legal processes, including leveraging technology and new ways of working (e.g., co-pilot) Core Accountabilities: Act as a subject matter expert in secured product recovery and mortgage-related legal frameworks Provide advice on reputational risk, litigation and disclosure issues for Canada wide enforcement files Provide legal advice, support and oversight for the Customer Assistance business and control partners in secured recoveries, projects, initiatives, and litigation. Manage all issues relating to TD's portfolio of real estate secured enforcement in Ontario including carriage of real estate secured enforcement files, managing external counsel, title issues, and real estate sales within mortgage enforcement process. Outside of Ontario, assist the business in managing external