Associate

• Support underwriting, portfolio management, and execution of commercial real estate financing transactions
• Conduct financial analysis
• Prepare credit submissions
• Monitor construction and land development projects
• Ensure adherence to the Bank's risk management and monitoring requirements
• Structure financing packages to meet clients' credit needs
• Provide banking products and services to real estate companies
• Work closely with Account Managers, Account Manager Associates, and senior management
• Help real estate developers achieve their business goals
• Participate in on-site mentoring and classroom training

Business Banking Associate – National Real Estate Group

Mortgage Loan Officer

• Sell and originate residential mortgage loans to sales goals
• Meet with prospects referred by realtors, developers, attorneys, and internal and external referral sources
• Explain mortgage products and services and recommend options based on prospect needs
• Guide customers through the mortgage application process
• Explain required information and loan-process steps
• Ensure applications are accurate and include required documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage sales opportunities and other company business lines
• Develop plans to achieve sales goals with sales-management assistance
• Enter information into the mortgage loan system and maintain accurate pipeline records
• Create supporting files and documentation for underwriting, regulatory, and other purposes
• Send applications and required information to underwriting
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and additional information requirements to customers
• Submit materials to processing, clear conditions, finalize commitments, and prepare for closing
• Coordinate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of industry practices, mortgage products, laws, regulations, policies, and procedures through training and seminars
• Participate in homebuyer seminars, home shows, broker meetings, and financing workshops
• Recommend changes to products, programs, and pricing
• Support successful TD Bank audits and examinations
• Handle complex mortgage needs

General

• Conduct analyses on curated and/or aggregated DataMarts to generate analytical insights for business issues
• Identify opportunities to drive business growth and value
• Partner with business leaders to present insights and deliver supporting collateral and presentations
• Interpret complex business issues, generate multifaceted insights, and recommend business actions
• Create visualizations and presentations tailored to stakeholders and business leaders
• Translate business requirements into analytics and reporting needs
• Serve as an authority on the business domain and provide context for recommendations
• Provide day-to-day analytics support and delivery
• Represent the functional area as a business insights and analytics specialist
• Synthesize complex information into actionable insights and strategy
• Build business requirements and facilitate project execution
• Collaborate with business and analytics partners on challenges and deliver fact-based advice
• Gather analytics demand and coordinate with the analytics hub
• Explain anomalies and outliers identified during analysis
• Train business users to integrate analytics into decisions
• Develop analyses to corroborate proof of concept
• Execute data requests accurately and promptly
• Investigate data and analytics issues
• Support compliance with financial controls, segregation of duties, transaction approvals, and asset controls
• Lead or facilitate remediation plans for performance, risk, and governance issues
• Manage relationships across business lines, corporate functions, and control functions
• Monitor emerging issues, trends, and regulatory requirements
• Participate in team activities, knowledge transfer, mentorship, and cross-training
• Keep stakeholders informed about project status and relevant activities
• Act as a brand ambassador for the business area and TD Bank

Business Insights Specialist – Decision Science – Deposits

General Counsel

• Provides oversight, legal advice and support to TD Bank management in Corporate Group Functions and Business Units
• Functions as a legal expert in defined subject matter areas and/or specific business lines
• Provides high-level legal advice to business areas
• Prepares resolutions, contracts, memoranda to management, litigation documents and forms
• Participates in major legal actions
• Foresees and protects the Company against legal risks
• May manage paralegal and administrative staff, assigning responsibilities and evaluating results
• Provides leadership, coaching, counseling and guidance to staff
• Supervises external counsel
• Works with the General Counsel, department attorneys and external legal counsel on business-related legal issues
• Serves in practice groups or cross-practice teams
• Assists with external counsel expenditures and departmental legal budgets
• Advises lines of business on practices that minimize legal and litigation risk
• Anticipates client needs and handles complex legal issues
• Provides pragmatic legal opinions and advice in ambiguous situations
• Identifies and prevents future legal risks
• Resolves conflicts between business-unit needs and Company interests
• Participates in special projects and performs additional duties as required
• Performs occasional domestic travel and sedentary, office-based work

Senior Counsel – Digital Banking and Innovation Legal Team

Loan Specialist

• Conduct analyses on curated and/or aggregated DataMarts to generate relevant analytical insights
• Identify opportunities to drive business growth and value
• Interpret complex business issues and generate multifaceted insights
• Present insights and recommended business actions to stakeholders and business leaders
• Create visualizations, presentations, supporting collateral, and business storytelling
• Bridge business requirements to analytics and reporting needs
• Serve as an authority on a business domain and provide context for recommendations
• Provide day-to-day analytics support and delivery
• Synthesize complex information into actionable insights and strategy
• Build business requirements and facilitate project execution
• Gather analytics demand from business teams and work with the analytics hub to fulfill it
• Explain anomalies and outliers identified during analysis
• Develop analyses to corroborate proofs of concept
• Execute data requests accurately and promptly
• Identify and investigate data and analytics issues
• Train business users to integrate analytics into decisions
• Lead or facilitate action and remediation plans for performance, risk, and governance issues
• Maintain relationships with business lines, corporate functions, control functions, and external stakeholders
• Monitor emerging issues, trends, and regulatory requirements
• Support risk management and control processes
• Participate in knowledge transfer, mentorship, cross-training, and team development
• Keep stakeholders informed about project status and relevant activities

Business Insights Specialist – Decision Science, Loan Portfolio

Business Intelligence Analyst

• Conduct analyses on curated and/or aggregated DataMarts using business subject matter expertise
• Generate analytical insights for business issues and identify opportunities to drive business growth and value
• Produce analysis, visualizations, and presentations illustrating business trends and opportunities
• Recommend business actions to support strategy and solve business problems
• Partner with functional areas to provide day-to-day analytics support and delivery
• Execute data requests accurately and promptly
• Translate business requirements into analytics and reporting needs
• Contribute to identifying key performance indicators
• Identify opportunities for business or revenue growth and efficiencies
• Investigate data and analytics issues and validate analysis accuracy
• Develop analyses to corroborate proofs of concept
• Educate and train business users on integrating analytics into decisions
• Provide recommendations on financial and monetization goals, cost savings, and revenue generation
• Build business requirements and facilitate project execution
• Use quantitative and qualitative methodologies to interpret and present data
• Conduct internal and external research projects and support presentations and communications to management
• Manage risks and escalate non-standard, high-risk activities
• Lead workstreams as project lead or subject matter expert for small-scale projects
• Participate in knowledge transfer, mentorship, team development, and cross-training
• Keep stakeholders informed about project status and relevant activities

Business Insights Analyst II – Decision Science – Deposits

• Provide oversight, legal advice, and support to TD Bank management in Corporate Group Functions and Business Units
• Serve as a legal expert in defined subject matter areas and/or business lines
• Manage an array of civil litigation matters across all businesses of the bank
• Identify, assess, and mitigate legal and regulatory risks involving consumer protection, fraud, and other matters
• Supervise external counsel and manage external counsel budgets and risk reporting
• Advise lines of business on best practices to minimize legal and litigation risk
• Prepare resolutions, contracts, memoranda, litigation documents, and forms
• Participate in major legal actions
• Work with the General Counsel, department attorneys, and external legal counsel on company legal issues
• Manage or evaluate paralegal and administrative staff when applicable
• Provide leadership, coaching, counseling, and guidance to staff
• Assist with departmental budgets and legal spend
• Participate in practice groups, cross-practice teams, special projects, and additional duties as required

Senior Counsel – Civil Litigation

Manager

• Lead external advisory engagement and stakeholder insight activities
• Manage national and local advisory groups
• Coordinate executive-level engagements
• Build ongoing relationships with community partners and external stakeholders
• Synthesize stakeholder feedback into actionable insights for business planning, risk management, community impact, and responsible business priorities
• Maintain governance, documentation, and cross-functional follow-through
• Develop and execute community and environmental plans, programs, projects, and strategies
• Manage programs and initiatives of moderate scope and complexity
• Interpret business challenges and recommend courses of action and best practices
• Act as a technical expert and independently manage end-to-end functional programs
• Design, develop, and execute community/environment solutions aligned with enterprise strategies
• Manage and deliver programs, activities, events, and presentations supporting community investment initiatives
• Develop strategic communications for programs and initiatives
• Manage relationships with charitable organizations, external organizations, internal business partners, and third parties
• Advise businesses on community giving, investment, sponsorship, and community/environment programs
• Establish and update policies, procedures, and processes
• Communicate program progress, changes, budgets, timelines, and status; escalate as appropriate
• Assess program and process effectiveness and evaluate business impact
• Resolve escalated issues and manage project/program changes
• Prepare and manage project budgets and quarterly forecasts
• Manage assigned people, budgets, and processes
• Conduct internal and external research and functional or enterprise-level analysis
• Recommend process and performance improvements
• Monitor regulatory requirements, risks, and controls
• Provide subject matter expertise, guidance, mentorship, and thought leadership
• Maintain relationships across business lines and ensure alignment with enterprise and regulatory requirements
• Participate in team development, knowledge transfer, and cross-training
• Serve as a Brand ambassador for TD and the Bank

Corporate Citizenship Manager, Advisory Engagement, Stakeholder Intelligence

• Conduct analyses on curated and/or aggregated DataMarts to generate analytical insights and identify business growth opportunities
• Evaluate marketing investments and business cases for US Consumer products
• Partner with business leaders to present insights, recommendations, supporting collateral, and presentations
• Interpret complex business issues, generate multifaceted insights, and identify opportunities to address business needs
• Present insights and recommended business actions using audience-appropriate visualizations and presentations
• Translate business requirements into analytics and reporting needs
• Serve as an authority on a business domain and provide context for analytics discovery and recommendations
• Escalate data and process problems and recommend resolutions
• Provide day-to-day analytics support and delivery
• Synthesize complex information into actionable insights and strategy
• Build business requirements and facilitate project execution
• Gather analytics demand from business teams and work with the analytics hub to fulfill it
• Explain anomalies and outliers identified during analysis
• Train business users to integrate analytics into decisions
• Develop analyses to corroborate proof of concept
• Execute data requests accurately and promptly
• Identify and investigate data and analytics issues
• Implement action and remediation plans addressing performance, risk, and governance issues
• Manage relationships across business lines, corporate functions, and control functions
• Monitor emerging issues, trends, and regulatory requirements
• Participate in team development, knowledge transfer, mentorship, and cross-training
• Keep stakeholders informed about project progress and relevant day-to-day information
• Represent the business area and bank as a brand ambassador

Business Insights Specialist – Deposits

• Sell and originate residential mortgage loans to sales goals
• Meet with prospects referred by realtors, developers, attorneys, and other referral sources
• Explain mortgage products and recommend options based on prospect needs
• Guide customers through the mortgage application process
• Explain required information and loan-process steps
• Ensure applications are accurate and include supporting documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage opportunities and other company products
• Develop plans to achieve sales goals with sales management
• Enter loan information into the mortgage loan system and maintain accurate pipeline records
• Create supporting files for underwriting, regulatory, and other purposes
• Submit applications and required information to underwriting and processing
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and additional requirements to customers
• Clear conditions, finalize loan commitments, and prepare loans for closing
• Coordinate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of industry practices, products, mortgage laws, and regulations through training and seminars
• Participate in homebuyer seminars, home shows, brokers' meetings, and financing workshops
• Recommend changes to products, programs, and pricing
• Support successful TD Bank audits and examinations
• Handle complex mortgage needs

Financial Planning and Analysis

• Lead the execution and ongoing performance of Core Trade Finance Operations across regional processing teams
• Build, lead, and develop a high-performing organization through Regional Managers
• Establish partnerships with Business, Front Office, Product, Technology, Compliance, AML, Legal, Risk, and Global Operations
• Advise Business and Front Office on operational capabilities, transaction execution, service requirements, capacity, and risk considerations
• Provide operational oversight across Documentary Letters of Credit, Documentary Collections, Standby Letters of Credit, Guarantees, and related activities
• Establish performance expectations and management routines across Regional Managers and processing teams
• Drive governance, escalation, communication forums, issue management, and resolution of operational and client matters
• Monitor KPIs, service metrics, productivity, quality, risk metrics, and client outcomes
• Lead continuous improvement, process standardization, operational transformation, and technology enhancements
• Lead implementation and adoption of new products, processes, technology, and business initiatives
• Provide subject matter expertise on complex, high-value, and high-risk transactions
• Ensure adherence to regulations, internal policies, procedures, and control standards
• Identify, assess, manage, and escalate operational risks
• Partner with the AVP on automation, digitization, regional optimization, and enhanced straight-through processing
• Support training and enablement programs and maintain organizational technical capabilities
• Lead organizational change and embed new processes sustainably
• Foster accountability, collaboration, innovation, continuous improvement, and client focus
• Mentor Regional Managers and high-potential talent and strengthen succession planning
• Own day-to-day operational execution, service delivery, capacity management, resource deployment, regional alignment, significant escalations, and leadership development

Senior Manager, Core Trade Finance Operations

• Lead TD’s Residential Lending appraisal and valuation function
• Oversee review, analysis, and evaluation of residential real estate appraisals and vendor-produced valuations
• Manage and develop a team of appraisal professionals
• Drive workflow efficiency and maintain compliant, high-quality appraisal operations
• Evaluate appraisals of complex or unusual properties
• Perform quarterly and/or semi-annual real estate market updates and present to local or senior management
• Participate in Criticized Asset Reviews
• Advise loan officers and management on valuation and appraisal issues
• Review staff appraisal reviews and adjust methods and procedures to ensure compliance
• Determine appraisal methodologies and assumptions using industry standards and market expertise
• Inspect properties when needed to determine final valuation
• Lead development and management of company appraisal and valuation standards
• Participate in policy review and revision projects
• Solicit vendor quotes and negotiate appraisal service fees and payment terms
• Manage appraisal ordering in compliance with regulatory and USPAP guidelines
• Review complex commercial appraisals, including industrial, special purpose, multifamily, and large subdivision/tract developments
• Manage appraisal needs of lenders
• Serve as a resource for lenders and senior management
• Provide leadership, support, and guidance to the regional Commercial/Residential Appraisal Section review team

Appraisal Section Manager

Security Engineer

• Analyze, report on, and mitigate technology, data, vendor, application, infrastructure, information, and Cloud risks
• Operate cyber security tooling and execute cyber security processes and procedures
• Provide defense-in-depth capabilities across technology, data, applications, infrastructure, and Cloud environments
• Test and implement cyber security solutions
• Build automation and integration solutions between cyber security tools
• Provide expert guidance on cyber security tooling capabilities
• Manage technology applications supporting fraud detection and prevention controls
• Support Fraud Technology Solutions through governance, compliance, business processes, and performance management
• Participate in a 4-month co-op/intern work term within Enterprise Protect
• Collaborate with experienced colleagues and participate in TD student programming

Cyber Security Co-op/Intern – JEDI Partnership

• Develop mortgage business through referrals from realtors, builders, financial planners and other centers of influence
• Build and develop a customer base
• Use TD’s sales management system to manage sales activities
• Work closely with the Sales Manager through joint sales calls and monthly coaching sessions
• Build sales skills and credit knowledge through targeted training
• Build an independent mortgage business using TD’s brand

Mobile Mortgage Specialist

Software Engineer

• Lead high-performance professionals across junior to senior levels
• Engage in team members' professional development
• Mentor junior developers and BSAs within and outside the team
• Remain hands-on as necessary
• Participate in proofs of concept and solution design thinking
• Provide strong technical leadership
• Champion Azure public cloud adoption
• Lead and embrace Agile work culture
• Participate in all aspects of the application development lifecycle, including PoC, ideation, design, build, test, and ongoing operation
• Embrace DevOps culture, including CI/CD, Jenkins, and test automation
• Share knowledge and drive continuous improvement
• Drive meaningful change aligned with the overall enterprise product vision

Business Banking Associate – National Real Estate Group

Mortgage Loan Officer

Business Insights Specialist – Decision Science – Deposits

Senior Counsel – Digital Banking and Innovation Legal Team

Business Insights Specialist – Decision Science, Loan Portfolio

Business Insights Analyst II – Decision Science – Deposits

Senior Counsel – Civil Litigation

Corporate Citizenship Manager, Advisory Engagement, Stakeholder Intelligence

Business Insights Specialist – Deposits

Mortgage Loan Officer

Senior Manager, Core Trade Finance Operations

Appraisal Section Manager

Cyber Security Co-op/Intern – JEDI Partnership

Mobile Mortgage Specialist

Senior IT Developer