Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$146,800 - $239,640 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:

Risk Management

Job Description:

Position Overview:

As part of the AMCB AI2, this position will work in a fast paced and high impact driving considerable change and Competitive Advantage for TD with data. The role supports AMCB Commercial Bank that includes Small Business Banking, Merchant and Commercial distribution and support teams. The incumbent will be responsible for development and delivery of strategic roadmap to create business outcomes with reconciled & trusted data. They will identify and evaluate opportunities/use-cases to reimagine analytics by leveraging industry thought leadership & delivering sustainable outcomes at speed. They will also provide oversight for developing and elevating adoption of AI, Gen AI & Agentic AI use-cases from ideation to approval for market launch. They will stand tall to inspire LOB with data-first mindset by fostering a culture of connected community to bring best ideas forward at speed:

• Investigate new opportunities to create and develop more effective methodologies and processes for collecting, analyzing and presenting data
• Provide domain oversight for elevating adoption of AI, Gen AI & Agentic AI use-cases in Commercial Bank
• Lead a AI2 forum including partners from segment finance, Data platform, Data owner, Artificial intelligence for cross-pollination of ideas & integrated data strategy

Preferred Qualifications:

• Expert knowledge of the Data and Analytics, preferably working for a LOB lead or in DaaS & platform environments
• Knowledgeable about data related technical environment/ tools, processes and procedures, as well as broader organizational issues and have track record of working in data and analytics functions with expertise in analytics, insights, predictive modeling, and AI
• Commercial and Small business banking data ecosystem and product services
• Technical Skills: SQL, Python, AI/ML, Databricks, Rahona
• Tableau and Alteryx skills a plus
• Effective stakeholder management providing optimal level of information and support, relationship building and cross-functional collaboration
• Challenge the status quo with data driven approach and competitive insight
• Lead with curiosity, customer first approach and be the voice of frontline, communicate with clarity, always connecting to TD
• Identify quick wins to optimize while guiding AI2 on target operating model
• Demonstrate big picture thinking that is aligned with the Commercial and broader organization
• Show a balance of conceptual and analytical thinking while dealing with complexity and ambiguity
• Minimizes spin by clearly articulating business outcomes and building bridges on knowledge or leadership gaps
• Thoughtful change agent, Comfort with conflict, leverage conflict positively to fuel creativity and progress
• Experience in driving change in data analytics and management space
• Requires strong development background and a blend of skills in big data technologies, database technologies, data integration tools, production support and business acumen
• Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work
• Anticipates emerging business trends and associated risks as a basis for recommending large-scale technical, functional or operational improvements
• Solves unique and ambiguous problems with broad impact; Requires innovative thinking to develop new solutions
• Engages stakeholders to act; serves as a source of expert advice, influences change; frames information in a broader organizational context
• Translate operational insights into strategic input for product and data strategy
• Relevant experience across the areas of Data Management, Data Analysis, Data Requirements
• Experience of taking initiatives with an entrepreneurial drive in a highly matrix organization     
• Any prior experience with EDMO and TD's data standards will be an asset

The Senior Manager of Analytics & Insights Lead of develops, coordinates, manages, and produces the analytical environment for TD Bank N.A. portfolios to achieve Financial (measurement, forecasts and business budgets) and Credit estimates that support portfolio and executive strategies and decisions. Manage a team of Business Insights & Analytics specialists and work closely with various internal stakeholders/partners to understand business objectives, identify data / information needs, opportunities for improvement and help inform and support business decisions and strategies. Provides consultative support, business insight, advice and expertise to guide decision making and/or strategic planning by leveraging and interpreting data and analytical models to provide business specific or broad strategic insight and using a variety of audience-specific communication techniques In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement the Manager of Analytics effectively manages, monitors and controls risk of the segments within TD Bank.

Depth & Scope:

• Provide people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required.  Oversee and lead a large and/or highly complex, and diverse reporting function for an area of significant risk, complexity or scope.
• Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areas
• Facilitate key strategic discussions and provide thought leadership to executive audience (output may include strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.)
• Set operational team direction and collaborate with others to execute on common goals
• Focus on longer-range planning for functional area (e.g. 12 months or greater)
• Provides leadership direction and answering questions as needed. Provides guidance and assists staff with most complex aspects of work as necessary
• Resolves escalated issues and problems by conferring with senior management, staff in other internal departments, outside contacts and others as necessary
• Oversees analysis in support of financial, regulatory and risk management requirements
• Participates in and supports several decision-making committees for management approaches
• Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio.
• Quantifies and analyzes risk exposure characteristics for portfolios
• Researches, evaluates, develops, tests and applies quantitative models and methodologies for analyzing risk exposures and collection strategies
• Performs independent analytical initiatives including portfolio modeling, Stress Testing and migration analysis
• Works with TDBFG Analysts to determine and validate key Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) factors that are critical to internal Allowance for Loan and Lease Loss measures
• Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of risk factors present in retail credit products
• Develops and documents systems/tools to automate calculations used in determining risk exposures
• Researches and recommends standards for internal/external systems used to calculate and measure risk exposures
• Recommends policy and underwriting standard modifications where warranted. Measures and monitors the organizations exposure and provides guidance in portfolio review and strategy
• Establishes oversight of business lines compliance/risk controls and periodically evaluate risk mitigation efforts to make adjustments as risk/department influences change. Ensures TD Bank maintains successful audits and exams within all areas
• Ensures effective compliance with all job-relevant State and Federal regulations, including, but not limited to Employee policies, procedures, CRA EEO/ AA, as well as with all job relevant Risk Management and Corporate standards
• Manages complex analytical initiatives and interacts with TDBFG Analysts, Finance, Credit, and Retail Lending lines of businesses

Education & Experience:

• Bachelors degree required; Graduate degree preferred
• 10+ Years of related experience
• Significant experience required in Credit Risk Management and modeling disciplines
• Strong quantitative and statistical skills to determine sound, defensible approaches to forecasts and analyses
• Strong written and verbal communication skills
• Experience in change management related to the adoption of new business processes
• Extensive experience in organizing and presenting credit portfolio results and allowance requirements to Senior Management Committees, External Analysts, Auditors, Regulators, and Board of Directors
• Industry analysis and presentation experience

Key Accountabilities:       

Customer

• Manage teams of Business Insights & Analytics professionals/specialists
• Ensure team collaboration with partners on business problems/issues and provide fact-based analytical advice that aligns to strategy and drives shareholder value
• Manage escalated client issues or priorities and reach out to appropriate areas to resolve or minimize business problems/issues
• Apply judgement, discretion and collaborate with internal partners to navigate and resolve ambiguous issues
• Review and/or contribute on the presentation of insights back to executive leaders / business partners to drive strategic improvement; also responsible for contributing to overall direction of team regarding emerging tools/ techniques/ methods in presenting or visualizing key information
• Collaborate with business partners to shape and prioritize ad hoc analysis

Shareholder

• Leverage data systems and various sources to ensure team is equipped to formulate well defined  solutions to solve business problems
• Ensure team leverages knowledge of data capabilities across the organization to build and deliver on business analytics and insights
• Oversee the development and ongoing analysis for a  business line or functional area employing both internal and external data from various sources
• Manage workload of analytics team; assigning data request to staff based on skills and development needs
• Support execution with excellence on key initiatives/programs
• Design effective test and learn for various programs or scenarios
• Develop business specific plans; ensure work and resources are aligned to support objectives
• Identify opportunities for business growth within a specific business or function by identifying potential use cases and value drivers 
• Proactively support the identification of issues, trends and opportunities, and bring forward recommendations based on judgment and facts
• Lead team to prepare framework to succinctly take complex data and translate it into clear and concise recommendations
• Ensure deep understanding and contribute to the achievement of the business strategy, goals, and objectives

Employee/Team

• Provide ongoing coaching and development, set objectives and assess performance
• Responsible for management of the overall team(s) providing both leadership and guidance
• Set targets and objectives for the team, and deliver results
• Inspire and grow team expertise to align with enterprise demand and the Bank's direction; assess team skills and capabilities and continually look for ways to provide and enhance the value delivered
• Foster an environment / culture that encourages productivity, innovation, process improvement, teamwork, and a high level of professionalism
• Coordinate necessary resources to ensure completion by deadlines
• Provide coaching, development, succession, recruitment, resource management, and overall team leadership for team members; provide regular input into team members’ assessment of performance and development plans
• Prioritize and manage own workload in order to deliver quality results and meet timelines
• Support a positive work environment that promotes service to the business, quality, innovation and teamwork; ensure timely communication of issues/ points of interest
• Identify and recommend opportunities to enhance productivity, effectiveness, and operational efficiency
• Establish effective relationships across multiple business and technology partners, program, and project managers Participate in knowledge transfer within the team and other business units, including participation in cross-functional groups or committees (e.g., Data Councils)

Physical Requirements:

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

• Domestic Travel – Occasional
• International Travel – Never
• 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.