Actuary

• Analyze and monitor product profitability to support pricing and business decisions
• Develop recommendations relating to domestic reinsurance arrangements
• Provide monthly premium and claims projections for creditor insurance products underwritten by third-party insurers
• Act as an actuarial consultant to various lines of business
• Assess the impact of proposed product and process changes
• Provide financial insights to support decision-making
• Assist with preparation of end-of-treaty reinsurance true-up packages
• Assist with preparation of reinsurance treaty yearly renewal packages
• Support the Actuary on claims experience analyses and monitoring
• Assist with reviewing and updating business policies and procedures
• Support the TDRB team with ad-hoc requests and other deliverables
• Report to the Actuarial Specialist, Pricing, TD Life Insurance Company

Actuarial Analyst Intern/Co-op – Winter 2027

Underwriter

• Monitor the performance of personal insurance products, including home, tenant, auto, and motorcycle insurance
• Develop an understanding of changes in the insurance market and emerging trends
• Analyze product performance and design solutions to better serve customers and maintain a healthy portfolio performance
• Identify opportunities for improvement
• Design solutions
• Develop project requirements
• Support the end-to-end delivery of product-related initiatives
• Conduct data analysis and market research
• Prepare presentations
• Communicate with stakeholders
• Collaborate with Sales, Claims, Technology, Legal, and Customer Experience teams
• Learn and work in an Agile environment

GI Product and Underwriting Strategy Intern/Co-op

Product Manager

• Support product managers in developing and managing Life & Health insurance products and initiatives
• Analyze product performance metrics, sales trends, customer behavior, and portfolio results
• Assist with business case development, financial analysis, forecasting, and executive reporting
• Conduct market and competitor research
• Create presentations, executive summaries, dashboards, and performance updates for senior leadership
• Collaborate with Distribution, Analytics, Finance, Actuarial, Compliance, Legal, Operations, Marketing, and Digital teams
• Support product launches, enhancements, and regulatory or operational initiatives
• Review product documentation, training materials, customer communications, and marketing content
• Use data and analytical tools to develop actionable business insights
• Participate in project planning, stakeholder meetings, and strategic initiatives within the Life & Health business

L&H Product Management Intern/Co-op

• Report directly to the Underwriting Manager, TD Life Insurance Company
• Assist with revision of internal underwriting guidelines
• Assist with research related to medical and non-medical impairments
• Review training material for new underwriters and recommend structure and training topics
• Assist with reviewing tasks performed by underwriters and case managers and recommend process improvements
• Complete a 4-month work term from January 5 to April 23, 2027

Life and Health Underwriting Analyst Intern/Co-op

General

• Develop the mortgage customer base through referrals from realtors, builders, financial planners and other centers of influence
• Build sales skills and credit knowledge through targeted sales training
• Work closely with the Senior District Sales Manager
• Participate in joint sales calls
• Attend monthly coaching sessions
• Use a sales management system designed for the sales channel
• Develop new business in a fast-paced, competitive market
• Build an individual business using TD’s rated brand in Canada
• Serve customers through TD’s financial products and services

Mobile Mortgage Specialist

• Support growth initiatives within TD Insurance’s high-net-worth Private Client Advice segment
• Conduct strategic assessments, market sizing analyses and pipeline opportunity reviews across luxury partnership categories
• Assess pipeline opportunities among luxury specialists, including designers, architects, movers, art specialists, appraisers and automotive service providers
• Monitor market data, competitor activity and partner-category trends
• Use research tools, datasets and structured criteria to collect, interpret and translate information into recommendations
• Support planning and activation of curated events, sponsorships and experiential initiatives
• Collaborate on marketing and business-development initiatives focused on customer acquisition, retention and loyalty
• Gain exposure to market strategy, luxury partnerships, client experience design, event activation and senior stakeholder collaboration

Private Client Advice Intern/Co-op, Winter 2027

• Administer and adjudicate Accident Benefits claims for individuals injured in motor vehicle accidents in Ontario
• Process OCF-1 applications and related documentation to initiate claims
• Apply Ontario law to determine coverage, priority and the responsible insurer
• Manage income replacement, medical and rehabilitation, caregiver and other statutory benefits
• Collaborate with claimants, legal representatives, healthcare providers and internal teams
• Review and organize accident benefit claims documentation
• Support data entry, reporting and file management
• Learn the Statutory Accident Benefit Schedule and related compliance requirements
• Set up Insurer Examinations
• Investigate, review and process outstanding vendor invoices
• Investigate, review and address stale dated or uncashed cheques
• Assist in preparing Accident Benefit file copies

Accident Benefit Claims Intern/Co-op, Winter 2027

Risk

• Develop, implement, lead, monitor, and/or assess quality management and risk management activities for identified TD Insurance business units
• Assess and improve quality to address operational, regulatory, and financial risks
• Document and maintain data governance policies, standards, and frameworks
• Support data committees by preparing documentation, discussion summaries, and follow-ups
• Review data-related materials for quality and compliance
• Analyze datasets, identify discrepancies, and recommend corrective actions
• Collaborate with cross-functional teams to streamline data processes and implement governance best practices
• Create communication and educational materials to increase stakeholder awareness and adherence to governance principles
• Create reports to understand and communicate trends and performance
• Maintain documentation and knowledge site accuracy and user experience
• Support projects, initiatives, and innovation
• Work on ad hoc tasks while balancing regular priorities

Governance & Control Intern/Co-op

Full-stack Engineer

• Develop new components for engineering programs and projects
• Work on small features and develop small tools
• Support business enquiries and activities through enhancements and break/fix implementations
• Configure and develop custom components to meet application requirements and performance goals
• Analyze technical requirements and recommend pragmatic engineering solutions
• Collaborate with stakeholders and technology partners to meet technical direction, requirements, performance, time-to-market and innovation goals
• Monitor product lifecycles and undertake redevelopment where required
• Document and verify system components, applications, infrastructure, security, integration, operability and architecture designs
• Participate in quality management reviews of designs, prototypes and requirements work products
• Create as-built program activities using configuration management processes
• Create and maintain quality code and provide code maintenance and testing-cycle support
• Provide technical expertise during incident management, analyze outages and facilitate communication through resolution
• Identify and recommend development, testing solutions and tools
• Apply secure coding practices
• Identify and document technical decisions, risks and lessons learned, and implement enhancements
• Deliver solutions on time, within budget and according to development and quality standards
• Create project documentation covering system requirements, scope and cost estimates
• Identify and manage risks and escalate high-risk activities
• Participate as a team member and support a positive, diverse work environment
• Enhance knowledge, participate in knowledge transfer and share knowledge across teams
• Collaborate with development teams to define and validate user stories, acceptance criteria and definitions of done/ready
• Keep current on emerging trends and developments
• Participate in performance management, development activities and cross-training
• Communicate project status and relevant day-to-day information
• Assist colleagues and provide training, coaching and guidance as appropriate
• Act as a brand ambassador for TD
• Perform low- to moderately-complex technical tasks under general supervision
• Execute program specifications and solve routine problems using existing procedures
• Generally report to a Practice Lead

Associate Software Engineer

• Support the Manager, 1A Governance & Control, in executing the team mandate
• Support Life and Health Products while working with control and internal partners
• Provide risk-based guidance and advice in accordance with TDI’s business goals and risk appetite
• Support risk-based reviews of strategic initiatives for TD Life and Health
• Support regulatory filings
• Support implementation of controls and risk remediation efforts
• Work with Legal, Compliance, Operations, and distribution partners on risk identification and mitigation
• Perform ad-hoc risk and regulatory duties as required

Governance & Control Analyst Intern/Co-op

• Conduct research and analysis on industry trends and individual insurance companies using internal and external information sources
• Develop competitor profiles covering strategy, strengths and weaknesses, key products, market share, and expected actions
• Develop specialized insights reporting presentations supporting business strategy and decisions
• Support competitive updates for investor relations and executive updates
• Support assessment of new opportunities and creation of business cases
• Assist with developing and launching monthly newsletters
• Collaborate with Product, Actuarial, Sales Distribution, and Marketing teams on internal strategies and initiatives
• Present competitive findings to support organizational growth
• Provide input into continuous optimization of TDI Life & Health processes
• Assist with planning team meetings and events
• Perform other duties assigned by management

Strategic Insights and Business Optimization Intern – Co-Op

Operations

• Develop and implement, or lead support for, enterprise Compliance programs, including frameworks, policies, standards, procedures, training, monitoring, reporting, and issue/event escalation
• Provide advice and objective guidance/challenge for data privacy initiatives and support privacy programs from a governance perspective
• Review and challenge Data Privacy Impact Assessments (PIAs)
• Assist with remediation and reporting of privacy incidents
• Coordinate Privacy LMS training updates and completion rates
• Oversee the Privacy Designate Mandate, including list management and access
• Work with Compliance, Legal, Risk, and business-line Privacy Designates to create regulatory and internal documentation and reports
• Lead team procedures and governance processes and advise stakeholders on enterprise Compliance program changes and enhancements
• Manage policy and training exemption governance and reporting to the Compliance Senior Executive Team and related subcommittees
• Assist team members with the Issues and Events system for tracking and reporting
• Prepare summaries, presentations, briefing notes, and other Compliance program documentation
• Represent CGO on internal or external committees and the enterprise Regulatory Change Management initiative
• Provide Compliance subject matter expertise and advice to business Compliance partners
• Conduct research, analysis, and assessment of Compliance program activities; make recommendations and assess program effectiveness
• Participate in or manage regulatory examinations and internal/external audits
• Lead remediation plans addressing performance, risk, and governance issues
• Monitor service and productivity, assess efficiency, and implement continuous improvements
• Maintain relationships across business lines and control functions and align activities with enterprise and regulatory requirements
• Keep current on emerging issues, trends, and regulatory requirements
• Support team knowledge transfer, training, coaching, and guidance

Compliance Governance & Operations Manager – Privacy Matters

Machine Learning Engineer

• Develop, deploy, and maintain ML models for customer segmentation, acquisition, pricing, and lifetime value use cases
• Translate business problems into analytical frameworks
• Collaborate with cross-functional teams to define success metrics and solution approaches
• Evaluate model performance, fairness, and stability through model evaluation, A/B testing, and production monitoring
• Communicate complex technical results to non-technical stakeholders and provide actionable insights
• Manage relationships across business lines, corporate and/or control functions
• Ensure alignment with enterprise and regulatory requirements
• Keep current on emerging trends and developments
• Grow knowledge of the business, related tools, and techniques
• Act as a brand ambassador for the business area/function and TD
• Help evaluate and build Agentic AI, Generative AI, and traditional ML solutions using Pro Code or Low Code tools
• Potentially manage people

Applied Machine Learning Scientist II

• Ensure development teams deliver stakeholder-focused product increments
• Align with Product Owners and senior management around product vision
• Create, maintain, and prioritize the product backlog
• Manage delivery blockers and assess customer feedback
• Maximize product and delivery-process value through continuous improvement
• Hire talent, set goals, develop staff, manage performance and compensation decisions, and handle disciplinary actions
• Provide specialized product-development support using deep product and Agile/Scrum expertise
• Advise executives, business segment leaders, and stakeholders
• Lead program design, policy formulation, operating standards, and functional initiatives
• Recommend product, technical, functional, and operational improvements
• Provide leadership guidance and collaborate with business partners on complex projects and programs
• Partner with senior management to deliver product vision
• Re-prioritize user stories and define roadmaps, Minimum Marketable Features, Minimum Viable Products, and release cadence
• Review performance analytics and champion product-experience improvements
• Participate in Scrum or Kanban events
• Prepare business-process partners and establish Day 2 processes for application changes
• Oversee user-story design, development, completion, and acceptance/rejection
• Manage delivery initiatives and multiple development-team backlogs
• Raise delivery impediments and manage defect prioritization
• Ensure adherence to enterprise frameworks, regulatory requirements, controls, and risk policies
• Lead Quarterly Business Reviews and define OKRs with stakeholders
• Identify, mitigate, escalate, and report risks and regulatory-compliance issues
• Lead cross-functional and enterprise initiatives as a subject-matter expert
• Facilitate action and remediation plans for performance, risk, and governance issues
• Develop strategic priorities and annual or long-term plans
• Lead, coach, develop, recruit, and manage a high-performing team
• Foster a diverse, equitable, and cohesive team environment
• Occasional domestic travel; sedentary, office-based work

eGRC Product Owner II – Risk Assessment

Insurance

• Provide independent oversight and challenge for fraud, insider, and conduct risk management
• Serve as a trusted advisor to businesses, risk stakeholders, and executive stakeholders
• Evaluate significant initiatives, including change assessments, risk acceptances, and control gaps, through a fraud and insider risk lens
• Review and challenge initiative assessments to validate that risks are identified, assessed, mitigated, and communicated
• Articulate risks and provide concise, actionable recommendations supported by policy and industry best practices
• Lead cross-functional teams and projects with significant resource requirements, risk, and complexity
• Independently manage end-to-end functional programs
• Develop and implement standards, policies, and processes to identify, report, and mitigate risk exposures
• Analyze potential risks and escalate key risks for executive review with findings and action plans
• Provide ongoing operational risk analysis and reporting and review findings with business leaders
• Coordinate or guide operational risk disciplines and programs, including risk and control self-assessment, business continuity, outsourcing/vendor management, and regulatory compliance
• Support enterprise-wide risk escalation, review, approval, data management, policy, and risk assessment processes
• Develop and monitor key risk indicators and facilitate resolution of risk issues
• Conduct research, analysis, presentations, communications, and program effectiveness assessments
• Lead or implement remediation plans for performance, risk, and governance issues
• Maintain relationships across business lines and oversight functions
• Keep current on emerging issues, trends, and regulatory requirements
• Participate in team development, mentoring, knowledge transfer, and cross-training