Work Location:

United States of America

Hours:

40

Pay Details:

$95,264 - $155,376 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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.

Line of Business:

Analytics, Insights, & Artificial Intelligence

Job Description:

Department Overview:

The Fair Banking Compliance team oversees the governance and analytical processes to assure that predictive models and lending practices are fair and responsible. The Fair Banking Compliance analytics team is seeking a qualified Data Scientist II who will perform the quantitative analysis, model development, model review and related research to meet the business requirements of the team. This is a critical role in the oversight and review of models to ensure fair banking compliance. The incumbent of this role must have a strong working knowledge of building quantitative models, performing data analysis, presenting & documenting results of data analysis. The role requires excellent oral and written communication skills to communicate effectively with business partners.

Key Responsibilities:

• Develop\Review models (traditional regressions as well as AI/ML based) to ensure fair banking compliance
• Perform quantitative analysis to identify fair lending risks
• Identify potential alternative ways to mitigate fair lending bias arising from models/policies
• Develop specialized analytical tools for projects or ongoing use
• Compile and generate ad-hoc analytical reports
• Lead research efforts, applying expertise in statistical analysis and modeling
• Provide advisory support to line of business model owners regarding best practices for compliance guided by policies and industry standards/methods
• Lead cross-functional teams or projects with significant complexity
• Independently manage end-to-end functional programs
• Use sophisticated analytical mindset to exercise judgement and identify solutions
• Communicate complex results to non-technical audience
• Work autonomously as the lead and guide others within the area of expertise
• Independently handle multiple projects and prioritize based on changing business needs

Job Description:

The Data Scientist III provides technical leadership across the overall Analytics function which may have an enterprise mandate. This role generally provides deep technical knowledge and expertise in client interactions to explain complex data analysis related material.

Depth & Scope:

• Generally accountable for a significant business management area that typically has enterprise-wide impact or accountability
• Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels
• Undertakes and completes a variety of complex initiatives requiring seasoned specialist knowledge and/or the integration of cross functional processes
• Position typically deals with senior/executive management
• Works independently on activities related to analysis, design and support of technical data management solutions on various projects ranging in complexity and size
• Focuses on longer-range planning for functional area (e.g. 12 months or greater)
• May manage and prioritize multiple projects at a given time

Education & Experience:

• Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience or
• 5+ year of relevant experience; higher degree education and research tenure can be counted

Preferred Skills:

• In lieu of 5 years of relevant experience, we will accept an Undergraduate degree in a quantitative field (e.g., statistics, math, physics, engineering, finance or computer science) plus 4+ years of relevant work experience. Graduate's degree in a quantitative field is a plus.
• Demonstrated experience in development of predictive models using R/Python/SAS
• In-depth knowledge of quantitative models and statistical analysis, familiarity with AI/ML based models. Proficiency in at least one analytical language - SAS and/or Python (preferred)
• Experience working with databases/datasets and data visualization tools (Tableau/Power BI)
• Strong communications skills, both written and verbal. Strong presentation skills
• Strong interpersonal and consultative communication skills with well-developed presentation skills

Customer Accountabilities:

• Works closely with business owners to identify opportunities and serves as an ambassador for data science
• Is familiar with the business context and data infrastructure and can translate business problems to viable data science solutions
• Uses a wide range of programing languages (e.g. Python) and techniques for extracting and preparing data, applying statistics and various advanced analytics, along with business acumen to extract insights from the big data
• Visualizes insights from the data to tell and illustrate stories that clearly convey the meaning of results to decision-makers and stakeholders at every level of technical understanding
• Collaborates with other partners, such as data and business analysts, software engineers, data engineers, and application developers to develop scalable and sustainable data science solutions that retains long term benefit to the business

Shareholder Accountabilities:

• Analytical thought leadership and stays current on developments in data mining and the application of data science
• Solicits and offers ideas for improving business processes through insights with the objective of improving effectiveness and efficiency
• Educates the organization on approaches, such as testing hypotheses and statistical validation of result
• Helps the organization understand the principles and the math behind the scientist process to drive organizational alignment
• Translates up to date information into continuous improvement activities that enhances performance
• Adheres to enterprise frameworks or methodologies that relate to activities for business area
• Ensures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities
• Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
• Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. 

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.