Work Location:

New York, New York, United States of America

Hours:

40

Pay Details:

$153,920 - $230,880 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. 

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:

Technology Solutions

Job Description:

Position Overview

We are seeking a visionary Principal Engineer to spearhead transformational initiatives across our digital banking ecosystem, leveraging cutting-edge AI technologies to revolutionize customer experience. This role combines deep technical expertise in full-stack development with advanced AI/ML knowledge to architect next-generation solutions spanning mobile, web, and mid-tier services.

Key Responsibilities

Digital Transformation Leadership

- **Architecture Modernization**: Define and implement transformational patterns for modernizing legacy systems while maintaining business continuity

- **Full-Stack Innovation**: Design scalable architectures spanning mobile applications, web platforms, and mid-tier services with seamless integration geared towards AI utilization

- **Technology Strategy**: Drive adoption of emerging technologies and architectural patterns that enhance scalability, performance, and maintainability

- **API Strategy**: Establish comprehensive API-first design principles, including GraphQL, REST, and event-driven architectures

AI-Driven Customer Experience

- **AI Integration**: Architect and implement AI/ML solutions that enhance customer interactions across all digital touchpoints

- **Personalization Engines**: Design intelligent personalization systems that adapt to customer behavior and preferences in real-time

- **Predictive Analytics**: Implement ML models for customer journey optimization, churn prediction, and proactive service delivery

- **Natural Language Processing**: Integrate conversational AI, chatbots, and voice interfaces to create intuitive customer interactions

Mobile & Web Excellence

- **Cross-Platform Strategy**: Define mobile development strategies for AMCB Digital including native iOS/Android, and/or cross-platform (React Native, Flutter, Kotlin Cross-platform) implementations

- **Progressive Web Apps**: Lead development of PWA capabilities that bridge mobile and web experiences

- **Performance Optimization**: Implement advanced performance optimization techniques including lazy loading, caching strategies, and CDN optimization

- **Responsive Design**: Ensure seamless experiences across devices with adaptive UI/UX patterns

Mid-Tier Architecture

- **Microservices Design**: Architect scalable microservices ecosystems with proper service boundaries and communication patterns

- **Event-Driven Systems**: Implement event streaming and messaging architectures for real-time data processing and customer engagement

- **Data Pipeline Architecture**: Design robust data pipelines that support AI/ML model training and real-time inference

- **Integration Patterns**: Establish enterprise integration patterns for seamless connectivity between systems

Innovation & Research

- **Emerging Technologies**: Research and prototype cutting-edge technologies including generative AI integration

- **Customer Journey Analytics**: Implement advanced analytics to understand and optimize customer behavior patterns

- **A/B Testing Frameworks**: Design sophisticated experimentation platforms for continuous customer experience optimization

- **ML Operations**: Establish MLOps practices for model deployment, monitoring, and continuous improvement

Depth & Scope:

• Leading authority on Software engineering concepts, principals, practices and standards
• Thought leader on IT risk-based approaches to Software engineering and on other domains in technology control / information security fields
• Sets the direction and oversees the work of other Software Engineering professionals on complex, highly-visible projects of significant profile, strategic importance, and enterprise impact to the bank
• Establishes and leads Software engineering working groups to achieve goals that impact multiple Journeys and Platform
• Provides consultative and strategic guidance to executive leadership
• Engineering specialist assigned to work autonomously on high profile, complex and high-risk technology initiatives with significant impact to the organization
• Has a blend of skills in Software engineering, architecture, solutions architecture, application security and coding
• Primarily works at the enterprise level

Education & Experience:

• Undergraduate degree, Post Graduate degree or Technical Certificate
• Strong academic background (e.g., computer science, engineering)
• Graduate degree nice to have
• 15 years relevant experience

Customer Accountabilities:

• Is responsible for advancing the software engineering practices through processes and tools, setting development and design standards at business unit and/or enterprise level
• Executes on Engineering strategy as it relates to the introduction of tools and the automation of build, test, release and configure activities across Application, Platform and Infrastructure
• Leads the creation of solution options and ultimately a comprehensive end-to-end solution and coordinate relevant stakeholders, as required to support development initiatives; following a "build it, break it, fix it mentality".
• Is responsible for developing and documenting detailed solution design and acts as an application SME through the design and development lifecycle ensuring alignment with Architecture
• Is accountable for complex applications/ systems development, programming / coding
• Develops functional, technical and user interface designs for an application / system that meets the defined requirements (business, enterprise architecture direction, system performance and development standards)
• Consults on development of requirements and specifications and applies functional knowledge of business functions to design optimal software / systems
• Reviews technical deliverables throughout detailed design and development phase to ensure quality adherence and identify gaps or redesign requirements as needed
• Identifies, recommends, sources, negotiates and implements improvements/ solutions (buy/build/reuse) to enhance customer experience, availability, and/or reduce cost in support of client needs
• Works with Technology partners to define metrics and performance goals for the application
• Identifies and addresses application and data issues and cross-capability and cross-release issues that affect application integrity
• Researches/ analyzes business requirements to evaluate and recommend optimal solutions within business technology architecture; collects environment requirements for infrastructure implementation by analyzing the current system environment, using technical tools and utilities
• Works with Architects to ensure that environment modifications interact appropriately, data conversion impacts are considered, and other areas of impact are addressed and meet performance requirements of the project
• Contributes to the advancement of the TD engineering practice through strong collaboration, research, analytic, and problem-solving skills

Shareholder Accountabilities:

• Adheres to enterprise frameworks or methodologies that relate to software engineering activities
• Ensures respective programs/ policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
• Collaboratively engages with relevant stakeholders at all levels, both internal and external, to shift from finding defects to proactively preventing defects
• Actively seeks and supports continuous improvement and automation opportunities within the engineering practice
• Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
• Identify opportunities to minimize cost, provide recommendations and/or deliver corresponding strategic solutions to support cost effectiveness and to enhance stakeholder experience
• Conducts code reviews to ensure adherence to quality, standards compliance, reusability and ease of maintenance, Operational Readiness Reviews, and supporting gating and review sign-offs for solution design
• Monitors service, productivity and assesses efficiency levels within own function and implement continuous process / performance improvements where opportunities exists
• Leads / facilitates and/or implements actions / 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
• Protects the interests of the organization – identifies and manage risks, and escalates non-standard, high risk activities as necessary
• 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 quality engineering best practices 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
• Actively mentors and enables team members by sharing knowledge and leveraging engineering best practices
• Supports the team by providing guidance and proactively identifying and resolving issues
• 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

Preferred Qualifications:

- 8+ years of experience in full-stack development with 3+ years in senior/principal engineering roles

- Expert knowledge in multiple programming languages (Python, JavaScript/TypeScript, Java, Swift, Kotlin)

- Advanced experience with AI/ML frameworks and cloud AI services

- Strong background in web and mobile development

- Modern web frameworks expertise (React, Vue.js, Angular, Node.js)

- Advanced degree in Computer Science, Software Engineering, AI, or related field

- Cloud certifications with focus on AI/ML services

- Experience with real-time analytics and streaming platforms (Kafka, Spark)

- Knowledge of design systems and component libraries

- Experience with A/B testing platforms and experimentation frameworks

- Understanding of accessibility standards and inclusive design

- Experience in regulated industries or enterprise environments

AI & Machine Learning

- Deep understanding of ML algorithms, deep learning, and neural network architectures

- Experience with natural language processing and recommendation systems

- Knowledge of MLOps practices, model versioning, and continuous deployment

- Familiarity with generative AI, large language models, and prompt engineering

- Understanding of AI ethics, bias detection, and responsible AI practices

Architecture & Design

- Proven experience designing large-scale, distributed systems

- Expertise in microservices architecture, API design, and event-driven systems

- Knowledge of database technologies (SQL, NoSQL, Vector databases)

- Understanding of caching strategies, CDNs, and performance optimization

- Experience with containerization and orchestration technologies

Leadership & Strategy

- Track record of leading digital transformation initiatives

- Excellent communication skills with ability to influence technical direction

- Experience mentoring engineering teams and establishing technical standards

- Ability to translate business requirements into technical solutions

- Strong analytical and problem-solving capabilities

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Occasional
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process.