Work Location:

Greenville, Caroline du Sud, États-Unis d'Amérique

Hours

40

Pay Details

$68,640 - $112,320 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

Analyses, informations et intelligence artificielle

Job Description

Department Overview:

Why Work with Us?

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact – both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization.

The Ideal Candidate

The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank’s size, complexity, and risk profile. In this role, you’ll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise, we’re looking for someone with an entrepreneurial mindset—someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.

Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you’ll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

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, recommending statistical tests, researching metrics and presenting results of data analysis. The role requires excellent verbal and written communication skills to communicate effectively with business partners.

Key Responsibilities

Develop\Review models (traditional regressions, AI/ML and Gen AI 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

The above details are specific to the role which is outlined in the general description below. Please review the desired skills and experience section below as you consider this opportunity.

Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.

Job Description Summary

The Data Scientist II is responsible for collecting data and using wide range of data science techniques, including but not limited to data wrangling, profiling and visualization, statistical inference, to uncover actionable insights or build analytics solutions that guide decision making and strategic planning.

Depth & Scope

Experienced professional role providing specialized guidance/assistance to function supported
Focuses on short to medium-term non-routine specialized/ fewer complex issues and/or initial escalated matters
Independently perform activities from end-to-end

Education & Experience

Undergraduate degree or advanced technical degree (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or;
Past relevant work experience is a plus

Desired Skills & Experience

Doctorate degree in a quantitative field (e.g., Statistics, Economics, Mathematics, Computer Science, Engineering)
Research experience is a plus.
Strong statistics knowledge is required.
Entrepreneurial spirit, strong attention to detail, ability to take the lead on projects, in depth interest in solving complex business problems with data and passion for spreading a culture of change towards data-driven decision making
Demonstrated experience in development of predictive models using Python
In-depth knowledge of quantitative models and statistical analysis, Experience working with AI/ML and Gen AI based models. Proficiency in Python is required
Experience working with databases/datasets and data visualization tools (Tableau/Power BI)
Strong communications skills, both written and verbal. Strong presentation skills; ability to communicate technical matters in a non-technical way & clearly present complex and sensitive issues

Customer Accountabilities

Understands business context and data infrastructure and translates 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

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 enhance performance
Contributes to various operational activities and processes as assigned
Is knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area
Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
Acquires and applies expertise in the discipline, provides guidance, assistance and direction to others
Identifies, recommends and effectively executes standard practices applicable to the discipline
Adheres to internal policies/procedures and applicable regulatory guidelines
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
Supports the team by continuously enhancing knowledge/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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
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

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 USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

TD

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