We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com What You’ll Be Doing Risk Management is accountable for matters relating to the independent oversight of the management of risks inherent to CIBC’s activities. These risks include but are not limited to ensuring that effective processes are in place for the identification, management, measurement, monitoring and control of operational, reputation and legal, market, credit, strategic, investment and liquidity risk, collectively “CIBC Risk”, incurred by CIBC’s retail and wholesale businesses, infrastructure and corporate governance groups. Risk Management plays a critical role in defining CIBC’s risk appetite and developing risk management strategies that align the bank’s risk appetite with its business strategy both components to allow CIBC to achieve consistent and sustainable performance over the long term. Risk Analytics and Credit Decisioning (RACD) establishes and provides an independent risk perspective, strategic direction and leadership for the following teams: Retail Credit Adjudication Secured Lending, AML Analytics & Risk Modelling Client Credit Risk Analytics Credit Risk Insights & Forecasting Quality Assurance, Fraud & Credit Integrity Indirect Auto & Business Banking Lending These teams develop advanced analytical techniques to optimize credit, fraud, and AML performance. As a second line of defense, we support strategic business units to monitor, measure, and control credit and fraud risks and ensure alignment with CIBC's risk appetite. Functions include, but are not limited to: capital (regulatory and economic) analytics and reporting, specific loan loss and provisioning, risk analytics for credit, and retail credit adjudications. In this role, you'll be part of the Change and Process Management team in various capacities within RACD. As a Junior Consultant, you will support initiatives & communications of changes to RACD by correctly identifying problems/resolutions. You'll be assessing the impact, effectiveness and feasibility of proposed changes; recommending decisions and providing support as a subject matter expert. You'll participate in and/or facilitate internal/external client meetings at various levels taking ownership of activities to ensure client needs are met or exceeded. You'll work closely with various functional groups within RACD to fully understand business needs and advocate for solutions that align with the business objectives. At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview. Important Information You must be currently enrolled in post-secondary education to be eligible, however, you do not need to be in a registered Co-Op program to be considered for this role Please include your resume (no more than 2 pages), a cover letter (no more than 1 page), and your most recent unofficial transcript with your application. These should all be uploaded into the Resume section of the application as one pdf document You are a university student. Accounting, Finance, Business, Economics major is an asset, but not required You have a strong knowledge of MS Office - Word, Excel, PowerPoint Further clarity on the work location will be provided at the time of your interview. Please note all employees must work within their current jurisdiction and must reside within Canada Duration of term: 8 months (Sep 2025- April 2026) We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us. How You’ll Succeed Change Management- Deliver change on time and within scope in RACD. Achieve change objectives to bring value while mitigating impact. Ensure the change is sustained. Stakeholder Management- Proactively engage our partners in Credit Adjudication throughout the initiative to ensure there is support and awareness. Engage business partners outside of Credit Adjudication to create awareness and mitigate possible impact from changes. Process Improvement- Apply process improvement frameworks, tools and artifacts to be able to define, measure, analyze, improve and control a problem. Project Management – Utilize project management best practices to manage project portfolio. Be able to plan, execute, control and close projects. Who You Are You can demonstrate experience in various aspects of RACD operations from the banking industry as well as project management; it is an asset if you have experience in change management, process improvement or a combination of them, along with six sigma certification/PMP certification. You're driven to succeed. You are motivated by accomplishing your goals and delivering your best to make an impact. You embrace and champion change. You'll continuously evolve your thinking and the way you work in order to deliver your best. You give meaning to data. You enjoy investigating complex problems, and making sense of information. You're confident in your ability to communicate detailed information in an impactful way. Your influence makes an impact. You know that relationships and networks are essential to success. You inspire outcomes by making yourself heard. Values matter to you. You bring your real self to work and you live our values – trust, teamwork and accountability. What CIBC Offers At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We work to recognize you in meaningful, personalized ways including a competitive compensation, a banking benefit, wellbeing support and additional offers such as employee and family assistance programs and MomentMakers, our social, points-based recognition program. Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients. Subject to program terms and conditions What you need to know CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us. Expected End Date 2025-12-19 Job Location Toronto-81 Bay, 31st Floor Employment Type Temporary (Fixed Term) Weekly Hours 37.5 Skills AML Monitoring, AML Monitoring, Anti-Money Laundering (AML), Atlassian Confluence, Automation Development, Automation Tools, Bank Risk Management, Business Documentation, Confluence Administration, Corporate Financial Management, Cross-Departmental Collaboration, Cross-Team Collaboration, Cross-Team Coordination, Data Analysis, Data Analytics, Document Coordination, Financial Modeling, Financial Modeling in Excel, Financial Principles, Lending Products, Microsoft Excel, Microsoft PowerPoint, Policy Administration, Policy Research, Program Project Management {+ 6 more} At CIBC, we are in business to help our clients, employees and shareholders achieve what is important to them. Our ability to create value for all CIBC stakeholders is driven by a business culture based on common values: Trust, Teamwork and Accountability. Working with CIBC makes you a part of a work environment committed to our clients, employees and communities - a place where you can excel. Every day, our 44,000 employees help our clients achieve their financial goals, because what matters to our clients, matters to us.
