Data Engineer

• Perform data analysis and assess data management requirements for platforms or journeys
• Maintain expert knowledge of upstream data through data profiling, data quality reporting, and metadata production
• Support data acquisition and ingestion
• Design and develop data models, including entity relationship diagrams and dimensional data models
• Develop and maintain complex ETL jobs and frameworks using the Bank's standard tools
• Elicit, analyze, and understand business and data requirements to develop complete business solutions
• Ensure data complies with enterprise data standards, policies, and guidelines
• Provide development and testing teams with support to resolve data issues, including escalation support for complex issues
• Support partners and stakeholders in interpreting and analyzing data
• Consult with peers and partners across multiple teams on research, analysis, design, and support
• Coordinate with technology work teams such as ITS, ARE, Architecture, and Enterprise Protect to ensure delivery success
• Support QA with data analysis and investigations during SIT/UAT/PAT testing
• Provide oversight on post-implementation activities during the warranty period
• Execute and approve code check-in/check-out into source code repositories
• Support code packaging and CI/CD deployment into higher environments
• Lead participation in application design and architecture reviews
• Raise ServiceNow requests and support release management activities
• Lead data engineering initiatives and data governance capabilities across the organization
• Ensure metadata and data lineage are captured and compatible with enterprise tools and processes
• Adhere to secure coding practices and identify technical decisions, risks, lessons learned, and enhancements
• Protect organizational interests by identifying, managing, and escalating risks
• Keep current on emerging trends, business knowledge, tools, and techniques
• Enable, mentor, and provide guidance to team members through knowledge sharing and engineering best practices
• Maintain effective working relationships with internal and external business partners and stakeholders
• Keep stakeholders informed of project status and day-to-day activities
• Contribute to a fair, positive, equitable, and diverse work environment
• Act as a brand ambassador for TD and the relevant business area

Data Engineer III

Program Manager

• Provide specialized HR program analysis, non-standard reporting, and operational support
• Extract and analyze data across multiple HR systems for key projects and initiatives
• Develop and monitor HR processes and procedures
• Conduct ongoing analysis, evaluation, assessment, and review of HR programs and initiatives
• Monitor the HR landscape and assess gaps to support program implementation
• Conduct industry and competitive analysis to obtain market insights
• Provide analytics and insights to HR specialists and managers for planning
• Develop and maintain employee-facing documentation and communications
• Analyze HR policy and governance impacts on customers, stakeholders, and processes
• Liaise with partners and stakeholders to resolve program and employee issues
• Monitor service-level agreement adherence with external vendors
• Partner with vendors to deliver program objectives and solutions within timelines
• Manage workload to meet service and productivity requirements
• Conduct internal and external research and support presentations and communications
• Produce functional or enterprise-level reporting and meaningful analysis, drawing conclusions and recommendations
• Monitor service, productivity, and efficiency and implement process improvements
• Provide guidance, assistance, and direction to others
• Identify and execute standard practices for the discipline
• Manage risks and escalate non-standard or high-risk activities
• Keep current on emerging trends and regulatory requirements
• Lead workstreams as project lead or subject matter expert for small-scale projects and initiatives
• Participate in teamwork, knowledge transfer, cross-training, and performance development activities
• Keep stakeholders informed about project and activity status
• Provide training, coaching, or guidance as appropriate
• Act as a brand ambassador for the business area and TD Bank

HR Program Analyst II – Governance and Reporting

Security Engineer

• Define, develop, and/or implement technology controls and information security policies, programs, and tools
• Provide specialized expertise and guidance on assessing risks, identifying potential gaps, and providing security solutions to mitigate risks and protect the Bank
• Participate in projects of moderate to high complexity
• Provide complex reporting, analysis, and assessments at the functional, business line, or enterprise level
• Participate in complex, comprehensive, or large projects and initiatives
• Act as a lead expert resource in technology controls / information security for project teams, the business/organization, and/or outside vendors
• Review project requirements and planned technical designs for appropriate security patterns
• Analyze KRI/KPI reporting metrics to identify security improvement opportunities
• Translate technical control gaps into business terms
• Facilitate conversations between technical, business, and risk partners

Information Security Specialist

Data Scientist

• Mine big data to discover actionable fraud insights
• Develop and deploy product- and channel-specific fraud strategies
• Reduce fraud risk while balancing loss, customer experience, and operational capacity
• Identify new fraud vectors and optimize existing rules using SQL, Python, and fraud authentication solutions
• Conduct intra-day and weekly monitoring across products, channels, and risk segments
• Provide ad-hoc analysis to support executive-level decision-making
• Continually optimize, improve, and strengthen fraud strategy and analytics capabilities
• Independently investigate new, high-risk fraud threats under tight timelines
• Learn and manage first- and third-party fraud

Data Scientist II

Insurance

• Support the Consumer Business Excellence Data Assurance team serving Customer Advocacy, Customer Master, 1A Financial Crimes, and Community Lending & Development
• Provide subject matter expertise and team leadership in business information management
• Analyze, design, and support business information management solutions
• Develop data repositories, warehouses, marts, data movement, wrangling, mapping, and ETL processes
• Support data platforms, applications, tools, data preparation frameworks, and architecture used by functional groups
• Support data modeling and develop data road maps and information management strategies
• Drive complex data integration and adopt the Enterprise Data model
• Gather and analyze data requirements to develop information management solutions
• Develop data models, business rules, lifecycle management, governance, lineage, metadata, and reporting elements
• Design and implement complex data information management frameworks
• Collaborate with technology and business partners to resolve issues and meet SLAs
• Develop requirements and provide guidance for data impact assessments and risk mitigation
• Implement data management standards and ensure data quality
• Perform data profiling using TD tooling and ad hoc query languages
• Investigate root causes of data issues and support users throughout the data lifecycle
• Identify critical data elements and support governance and data management programs
• Conduct functional and enterprise-level analysis and provide recommendations
• Monitor emerging issues, trends, and regulatory requirements
• Mentor colleagues, transfer knowledge, and contribute to team development

Data Assurance Specialist

Loan Officer

• Underwrite, oversee credit risk, and manage portfolios for complex commercial lending relationships, primarily Special Mention and Classified-rated borrowers
• Administer and monitor a large portfolio of complex commercial loans
• Personally manage loan relationships within the group
• Maintain accurate customer records and files and prepare in-depth management reports
• Monitor credit administration, exceptions, and risk management metrics
• Administer existing loans for conformity with terms and adequate documentation
• Prepare criticized asset reports and review memos
• Coordinate with operations and processing areas to ensure loan payments are collected and recorded
• Maintain current customer risk ratings and update credit-file comments
• Accompany loan officers on sales calls to assist with account details and implementation
• Provide technical guidance and assist staff with complex work
• Train and mentor new and less experienced staff
• Coordinate with the credit department and perform in-depth financial analyses and credit investigations
• Contribute to group loan decision processes based on credit-risk evaluations and other factors
• Visit customers independently and with commercial loan officers to maintain business relationships
• Manage assigned accounts and/or share account-management responsibilities with commercial loan officers
• Perform periodic customer-site inspections to audit accounts and ensure adherence to loan agreements and terms
• Utilize limited personal credit authority under the Relationship Manager’s direction

Commercial Portfolio Loan Officer III – Workout

Strategy

• Manage the creation, implementation, and validation of risk segmentation strategies, including adjudication, exposure management, risk segmentation, and financial return optimization
• Provide critical information, interpretative analysis, and detailed analysis to support credit risk decisions within TD's risk appetite and governmental requirements
• Investigate, create, implement, and validate risk segmentation strategies and policies using complex data, including cohort time series analysis of PCL, marketing investments, decision expense, risk-adjusted revenue, risk-adjusted margin, NPV, and ROE
• Develop and execute collections strategies across early- to late-stage delinquency, improving cure rates, roll rates, and customer engagement
• Use data analytics and segmentation to design targeted treatment strategies across SMS, digital, call, and legal routing
• Drive test-and-learn frameworks through control/treatment design, performance measurement, and statistical validation
• Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies
• Partner with Legal, Compliance, Operations, and Digital Vendors to implement compliant, scalable strategies
• Monitor performance metrics including RPC%, PTP%, liquidation curves, and roll rates, and deliver insights to leadership
• Ensure strategies adhere to TCPA, FDCPA, CFPB guidance, and other regulatory standards
• Support digital transformation initiatives, including automation and vendor integrations
• Act as the primary regulatory interface for a key business segment and provide direction on existing and new regulations
• Interface cross-functionally with teams beyond Risk
• Represent the business on corporate initiatives, identify key risks and implications, and provide direction in complex situations

Risk Manager II – Credit Card Collections Strategy Manager

Compliance

• Plan and oversee independent Compliance testing completed by specialists
• Execute independent testing as applicable
• Provide subject matter expertise on Compliance controls and processes
• Lead all phases of assigned testing engagements
• Act as a lead in executing engagements and provide work direction to others
• Manage multiple concurrent reviews and related tasks end to end
• Provide guidance to stakeholders and team members
• Act as the highest point of team escalation for resolution when needed
• Execute and manage testing activities according to established standards and strategic direction
• Follow up on findings from testing engagements
• Conduct analytical research and analysis
• Oversee testing engagements, including communications and reporting
• Identify matters requiring additional attention, escalation, or review and liaise with appropriate staff to resolve
• Prioritize workload to deliver quality results and meet testing timelines
• Review internal processes and identify opportunities to improve operational efficiency
• Document research and engagement-specific requirements
• Identify and manage risks and escalate high-risk activities
• Provide guidance, assistance, and direction to others
• Participate in cross-functional and enterprise initiatives as a subject matter expert
• Monitor emerging issues, trends, and regulatory requirements and assess impacts to the Bank
• Maintain a culture of risk management and control
• Mentor others and contribute to team capability development
• Manage relationships with internal and external business partners and stakeholders

Compliance Testing Manager

• Build a resilient and scalable compliance risk management function and help design and implement a forward-thinking US compliance program
• Manage day-to-day Compliance Testing operations
• Oversee and develop teams of compliance testing specialists and/or managers
• Provide guidance, leadership, coaching, and development to Compliance Testing teams
• Execute the Compliance testing plan on time
• Communicate Compliance testing results to senior and executive management
• Identify emerging trends, operational efficiencies, and opportunities through testing engagements
• Set priorities and goals for the Compliance testing program and ensure they cascade to staff
• Lead talent identification and development processes
• Manage and prioritize multiple reviews and projects
• Lead resolution of complex project and program issues
• Manage Compliance Testing engagements and validate action plans
• Conduct analytical research and analysis
• Develop, implement, track, and report Compliance testing schedules
• Provide strategic direction for Compliance Testing programs, procedures, and processes
• Advise management, business units, and teams on Compliance issues
• Report emerging trends, risks, and opportunities to senior management
• Support key partner relationships and align stakeholders with strategic direction
• Develop business plans and optimize resources
• Plan and execute strategic activities, review results, and adjust tactics
• Identify continuous improvement opportunities in the Compliance Testing Program
• Support internal audit or regulator-review remediation plans
• Maintain a culture of risk management and control
• Set team targets and objectives, manage performance, coach employees, recruit staff, and build a diverse, high-performing team

Senior Manager, Compliance Testing

Analyst

• Deliver enhanced reporting, including dashboards and portfolio wish lists
• Develop delinquent collateral, average undrawn availability, non-compliant, inventory reliance, and other exception reports
• Serve as an in-house expert who aligns technology capabilities with center-of-excellence needs and analytical models
• Recommend solution enhancements
• Train and retrain center-of-excellence employees
• Coordinate maintenance and enhancements for the Stucky system with vendors and TD Bank IT resources
• Assist with troubleshooting
• Lead system testing
• Turn data into information to accelerate decision-making
• Use dashboards and reports to provide management transparency
• Assess business needs and develop technology solutions
• Work effectively across functions in a matrix organization

Business Technology Analyst II

General

• Develop and lead business application strategy roadmaps
• Approve and prioritize technology changes and deployments
• Advise executives and business segment leaders on business application management
• Determine required capabilities and prioritize portfolios of new programs
• Establish and oversee budgets and ensure funds are appropriately utilized
• Ensure risk controls, privacy, legal, compliance and data governance requirements are met
• Map current and future-state processes for application functions and features
• Lead operational and continuous business process improvements
• Support change management and communications for application, feature, function, business-rule and process changes
• Manage risk and audit assessments, including BARA/BTRA, Basel, ORM review and pRCSA
• Oversee SLA adherence, issue management, vendor management, user group support and application adoption
• Own and maintain a three-year roadmap aligned with business strategy
• Manage application strategy, delivery, performance, access, data availability and integrity, retention and disposition, remediation, priorities and communications
• Own application and technology budgets and prioritize initiatives
• Act as business subject-matter expert in enterprise programs and project artifacts
• Manage access approvals and access attestation
• Communicate planned system outages to business partners
• Review and approve project documentation and deployments
• Review and approve project intake requests and provide initiative direction
• Track project progress and support monthly project and executive dashboard reporting
• Build relationships with business, technology, vendor and stakeholder groups
• Oversee solution implementation and optimize service availability, efficiency and effectiveness
• Mentor colleagues, transfer knowledge and contribute to team development

Senior Business Application Specialist

Risk

• Provide research, analysis, reporting, monitoring, and operational process support within risk management
• Provide expert guidance and advice on risk-related matters
• Support U.S. ORMC governance and reporting through coordination, review, preparation of routines and protocols, team engagement, and leadership concurrence
• Coordinate committee administration, including meeting logistics, attendance tracking, action items, mandate and membership maintenance, and post-meeting distributions
• Support development of executive-level risk reporting and insights, including risk profiles, emerging risks, material events, and program updates
• Collect data, perform quality assurance checks, and prepare synthesized executive-level information for risk oversight and decision-making
• Support regulatory and audit responses and remediation initiatives through reporting, documentation, and stakeholder coordination
• Identify opportunities to improve reporting, governance processes, and operational practices
• Develop and operationalize standards, policies, and processes to identify, report, and mitigate risk exposures
• Analyze potential risks and escalate key risks appropriately
• Support risk measurement by acquiring, analyzing, and reporting operational loss data
• Establish regular risk analysis and reporting on operational loss performance
• Support scenario analysis and reporting on risk issues and impacts
• Contribute to monitoring Key Risk Indicators and identifying key risk drivers
• Conduct research, prepare presentations and communications, and provide industry analysis
• Lead projects and end-to-end processes involving complex risk and resource requirements
• Lead problem resolution for complex issues and provide subject matter expertise
• Collaborate with Risk Management, corporate functions, lines of business, senior management, and other stakeholders

Senior Group Risk Analyst

Investigator

• Lead thematic investigative projects, including regulatory and public-private partnership investigations
• Independently conduct complex and sensitive financial-crime investigations
• Analyze evidence using digital forensics and interviews
• Collaborate with Human Resources, Legal, business lines, financial institutions, nonprofits, government, and law enforcement
• Provide investigative outcomes, identify operational gaps, and communicate trends
• Assess and prioritize files and investigate assigned cases according to established protocols
• Collect, preserve, and analyze evidence in accordance with investigative mandates
• Identify procedural weaknesses and follow up on corrective actions
• Identify industry typologies, risks, and trends and share knowledge with stakeholders
• Maintain internal investigative relationships and establish escalation and feedback processes
• Evaluate processes and recommend or champion enhancements
• Conduct research and support or deliver presentations and communications
• Support annual planning, quarterly forecasts, and budget processes
• Analyze functional or enterprise results and make recommendations
• Monitor emerging issues, trends, and regulatory requirements
• Manage risks and resolve escalated high-risk issues
• Participate in team development, knowledge transfer, mentorship, and cross-training
• Keep stakeholders informed about project and activity progress

Lead Insider Threat Investigator

Manager

• Support the Head of Business Management and US CCO in advancing strategic priorities, leadership commitments, operational execution, and regulatory initiatives
• Lead strategic prioritization for US Compliance, including developing and tracking strategic plans and identifying emerging priorities
• Develop, refine, and maintain executive-level PowerPoint presentations and materials for senior leadership, the Board of Directors, regulators, governance forums, and key stakeholders
• Translate complex regulatory, risk, operational, and business information into executive insights, messaging, presentations, and decision-support materials
• Prepare and coordinate materials for senior leadership meetings, governance forums, regulatory exams, and executive engagements
• Establish and maintain management routines, tracking mechanisms, dashboards, and leadership reporting
• Partner across lines of business and corporate functions to coordinate high-priority initiatives and drive execution
• Apply business and regulatory knowledge to identify risks and opportunities and support decision-making
• Lead or contribute to complex, enterprise-impacting cross-functional initiatives
• Build relationships with senior and executive stakeholders and foster cross-functional collaboration
• Balance long-term strategic planning with near-term and ad hoc priorities
• Contribute to strategic direction, policies, processes, procedures, governance meetings, action plans, and remediation initiatives
• Monitor emerging regulatory requirements, assess impacts, escalate issues, and maintain risk management and control processes

Manager, Executive Strategy & Presentations

Client Services Representative

• Support Trust Officers with the administration and ongoing management of Indigenous trust relationships
• Build client relationships and serve as a trusted point of contact for inquiries, service needs, and follow-up
• Develop knowledge of trust administration, documentation, governance requirements, and account activity
• Coordinate client meetings and complete commitments and follow-up activities
• Navigate client requests and complex situations with TD Wealth partners and subject-matter experts
• Maintain accurate client records and documentation while meeting regulatory, fiduciary, and internal requirements
• Identify opportunities to improve processes and strengthen the client experience
• Build technical and relationship-management capabilities through increasingly complex trust matters
• Stay current on trust and estate administration developments and apply knowledge to support clients and the team