Associate

• Engage customers in day-to-day advice needs, service transactions, digital education, and customer problem resolution related to banking solutions
• Understand customer needs and guide customers to the right contact person for appropriate solutions while exercising good judgement in confidential matters
• Build customer confidence in emerging digital banking trends by educating them on mobile, ATM, and online banking
• Support frontline staff with scheduled cash and non-cash transactions; resolve critical issues and report non-standard matters to management
• Recommend improvements to work practices, branch operations, and processes to enhance customer experience and achieve operational excellence
• Participate in the timely and accurate completion of business processes and procedures
• Ensure prepared documentation is accurate, reflects business intentions, and is consistent with relevant regulations and TD's Code of Conduct and Ethics
• Help build a positive and equitable work environment by promoting team effectiveness, participating in personal performance development, and sharing industry knowledge
• Complete a training program and accept potential transfer or geographic relocation within the assigned region

Personal Banking Associate Trainee – Mandarin/Cantonese

Financial Crime

• Support testing, implementation, and production enablement of KYC technology solutions
• Serve as a business subject matter expert for designated KYC applications and business processes
• Act as a key point of contact between KYC Operations and Change Management teams
• Provide guidance on application functionality, business requirements, user impacts, and operational dependencies
• Support UAT, system testing, production validation testing, and business readiness activities
• Develop, maintain, and execute test scenarios, test cases, and validation plans
• Document testing results and identify, track, and help resolve defects
• Support release readiness and implementation activities
• Assess operational impacts of system changes and enhancements
• Escalate issues and risks affecting operational readiness
• Track defect remediation and validate fixes
• Assist with root-cause analysis and continuous improvement initiatives
• Maintain KYC files, data, and documents in accordance with KYC policies, standards, and service-level agreements
• Perform customer reviews throughout the customer lifecycle
• Prepare records, data, and reviews for auditors and regulators
• Provide KYC research, evaluation, operational, reporting, and analytical support
• Prepare summaries, communications, reports, and presentations for management, regulators, and stakeholders
• Analyze data, emerging regulatory trends, and KYC operations gaps; provide recommendations
• Coordinate tracking and reporting of KYC Operations initiatives and programs
• Assist in reviewing and updating higher-risk customer information
• Manage workload, risks, confidentiality, policies, regulatory guidelines, and AML consistency
• Collaborate with FCRM and compliance partners
• Keep stakeholders informed about project and activity status
• Support knowledge transfer, training, coaching, and guidance within the team

KYC Testing and Production Enablement

Business Analyst

• Provide business technical leadership across information management functions supporting data and analytics
• Lead analysis, design, and support of business data management solutions across projects
• Analyze, design, and develop data repositories, warehouses, marts, data movement, data wrangling, data mapping, and ETL processes
• Support data solutions, applications, platforms, and tools used by Data Scientists and Business Insights & Analytics teams
• Develop data preparation frameworks and architecture for Data Scientist consumption
• Support data modeling capabilities for structuring business data
• Support business teams in using and understanding data and reporting solutions
• Develop data road maps, information management strategies, and technical solutions for integrating, transforming, and managing data
• Drive complex data-centric solution development and adopt the Enterprise Data model
• Gather and analyze data requirements to enable information management solutions
• Establish, maintain, and enhance data management practices across Credit Risk programs
• Partner with Data Owners, Data Stewards, technology teams, and business stakeholders to improve data quality and resolve data issues
• Document data requirements, support regulatory compliance, and enable trusted data for decision-making
• Develop business requirements, data models, business rules, data lifecycle management, governance, lineage, metadata, and reporting elements
• Apply automation and innovation to data platforms and development projects
• Design and implement complex business data information management frameworks
• Collaborate with technology and business partners to resolve issues and meet SLAs
• Provide expert guidance, data impact assessments, and data risk mitigation
• Implement data information management standards and data quality processes
• Maintain knowledge of upstream data sources and data across platforms
• Identify critical data and critical data elements for governance and data management programs
• Perform data profiling using TD tooling and ad hoc query languages
• Support users throughout the data lifecycle and lead root-cause investigations for data issues
• Support knowledge transfer and data expertise activities
• Assess impacts of emerging issues, trends, and regulatory requirements
• Participate as a subject matter expert in cross-functional and enterprise initiatives
• Mentor others, share knowledge, and contribute to team development
• Keep stakeholders informed about project status and day-to-day activities

Senior Business Information Management Analyst

Account Manager

• Structure equipment financing leases and loans for business clients and prospects
• Partner with an experienced Account Executive
• Support Account Executives with marketing support and solicitation programs
• Conduct cold calling, prospecting, and attend industry events
• Develop business sales strategies and perform credit analysis
• Assist clients with business plans
• Offer customized financial solutions for clients’ operations
• Monitor competitive developments, environmental market trends, and economic conditions in the equipment financing industry
• Develop client relationship management skills and support customer retention and growth

Account Manager II

Call Center Representative

• Assist inbound customers with account inquiries
• Resolve customer issues by recommending TD products or services
• Deliver personalized, legendary customer service
• Provide friendly support using knowledge of TD products, services and solutions
• Resolve customer inquiries at the first point of contact
• Ask questions and respond empathetically to customer concerns
• Meet customer experience, advice, quality, compliance and productivity objectives
• Participate in ongoing training and coaching
• Navigate computer systems, applications and multiple screens while serving customers
• Manage sensitive customer information in accordance with regulatory and compliance guidelines

Bilingual Contact Center Representative

Loan Closer

• Provide support to Consumer and Mortgage Loan Processing through document preparation for loan closings
• Work with closing agents to ensure necessary information is provided to complete loan closing packages
• Prepare legal, regulatory, and custom closing documentation within company policies and applicable legal and regulatory guidelines
• Review loan documentation for completeness, accuracy, and compliance with state and federal lending regulations
• Complete quality control analysis of standard and nonstandard loan documentation
• Ensure data integrity and perform workgroup functions to avert losses and reduce undue risk
• Act as a mentor and resource to Loan Closer I
• Provide training to Loan Closer I
• Answer phones to assist internal and external customers

Loan Closer II – Home Equity

Community Manager

• Identify, develop, and maintain networks of community organizations, Realtors, and local/state government agencies generating mortgage referrals
• Take residential mortgage loan applications and communicate underwriting decisions, offers, and counteroffers
• Increase mortgage loan volume focused on CRA, low- and moderate-income, multicultural, and first-time homebuyer borrowers
• Research organizations and agencies serving low- and moderate-income persons and communities
• Establish relationships with nonprofits, Realtors, housing offices, and affordable housing organizations
• Represent TD at housing seminars, financial literacy programs, affordable housing conferences, and community initiatives
• Explain mortgage products and services, recommend solutions, communicate loan terms, and finalize sales
• Sell other Company products and services as appropriate
• Guide customers through mortgage applications, disclosures, documentation, processing times, and closing dates
• Coordinate with customers, underwriters, processors, Realtors, closing agents, and other parties to keep applications on schedule
• Attend closings as needed
• Report progress toward goals to management and request assistance as needed
• Sell and originate residential mortgage loans according to policies, procedures, and legal and regulatory guidelines
• Communicate loan decisions and submit application materials and required information to processing and underwriting
• Maintain current knowledge of local real estate market trends and mortgage policies, procedures, rules, and regulations
• Build and maintain referral-source networks among brokers, builders, attorneys, accountants, financial planners, and other professionals
• Enter loan information into mortgage systems and create supporting underwriting and regulatory files

Community Mortgage Loan Officer

Auditor

• Execute audits for an assigned business, specialization, function, or project
• Conduct audit work based on established audit plans and standards
• Execute control testing, including walkthrough documentation, test script development and execution, and issue identification
• Coordinate stakeholder communication throughout the audit process
• Review internal controls and share findings and suggestions with stakeholders and audit leadership
• Follow up on findings from regulatory and internal divisional audits
• Provide input to audit projects and initiatives as a specialization representative
• Contribute to reviewing internal processes, identifying control weaknesses or failures, and improving operational efficiency
• Develop and provide complex reporting, analysis, and assessments
• Prepare and share audit findings and presentation materials with management and broader audiences
• Assess and escalate key issues to appropriate stakeholders
• Contribute to analysis, due diligence, and implementation of initiatives
• Maintain current knowledge of emerging trends, business practices, analytical tools, and techniques
• Manage workload to deliver quality results within assigned timelines
• Establish relationships across multiple businesses and participate in knowledge transfer
• Support team goals, divisional objectives, productivity, effectiveness, and operational efficiency

Senior Auditor – Financial Crimes

Insurance

• Execute Risk and Control Self-Assessments (RCSAs), control testing, issues management, Key Indicator creation and monitoring, and change governance
• Work with 1A Credit Risk Management teams, Operational Risk 2A Partners, and other risk partners to complete timely deliverables
• Prepare for and lead RCSA meetings with stakeholders
• Review RCSA documents, procedures, operational risk reporting, audit and regulatory findings, standards, guidelines, and training materials
• Assign inherent risk ratings and identify and write control statements
• Respond to risk partner challenge and provide program guidance
• Lead walkthrough meetings to assess the design effectiveness of controls
• Establish testing criteria and steps; perform control testing
• Identify control weaknesses and gaps and monitor remediation through closure
• Provide risk management expertise and implement risk frameworks to mitigate enterprise and business-wide risk exposures
• Lead cross-functional teams and independently manage end-to-end functional programs
• Develop and implement standards, policies, and processes to identify, report, and mitigate operational risk exposures
• Analyze potential risks, escalate key risks, and present findings and action plans to business executives
• Provide ongoing operational risk analysis and reporting and review findings with business leaders
• Coordinate or guide operational risk disciplines, including RCSA, business continuity, outsourcing and vendor management, regulatory compliance, and related programs
• Develop and monitor Key Risk Indicators and facilitate risk issue resolution
• Support operational, market, credit, reputational, and regulatory risk areas
• Provide commentary and oversight for policies, procedures, and practices
• Conduct research and support presentations and communications to management
• Analyze program and policy effectiveness and recommend improvements
• Lead or implement remediation plans for performance, risk, and governance issues
• Maintain relationships across business lines and oversight functions
• Monitor emerging issues, trends, and regulatory requirements
• Participate as a subject matter expert in enterprise initiatives
• Support knowledge transfer, team development, mentoring, and stakeholder relationships
• Promote a positive, diverse, and equitable work environment

Group Risk Specialist – Credit Risk Management

Security Analyst

• Define, develop, and/or implement technology controls and information security policies, programs, and tools
• Provide specialized expertise and guidance on risk assessment, gap identification, and security solutions
• Lead and coordinate real-time analysis of cyber incidents affecting bank operations
• Analyze, triage, remediate, and escalate security incidents to the CSIRT when needed
• Manage the internal incident queue and ensure incidents are recorded, updated, followed up, and closed according to SLAs
• Guide the identification, triage, and remediation of web attacks, malware incidents, and other threats
• Participate in rotating 24x7 security monitoring operations and weekly on-call coverage
• Balance operational BAU and queue work with project and improvement initiatives
• Produce complex reporting, analysis, and assessments at functional, business-line, or enterprise level
• Respond to, investigate, and remediate cyber threats to the bank
• Coordinate information among technical teams, CSOC, CSIRT, ITS, and Lines of Business Technology Solutions

Senior Information Security Analyst

• Develop, maintain, govern, and continuously enhance the Bank's Financial Crime Risk Management control frameworks, operating models, regulatory response activities, and oversight programs
• Provide enterprise-wide subject matter expertise and independent challenge across AML, ATF, Sanctions, ABAC, KYC, and related compliance programs
• Partner with first line business teams, Compliance, Internal Audit, Legal, Risk Management, and executive management
• Lead complex regulatory remediation initiatives, governance frameworks, operating model enhancements, control inventories, management reporting, and oversight activities
• Provide independent review of program effectiveness, control design, risk mitigation, and issue remediation
• Hire, lead, coach, develop, and manage a high-performing oversight team
• Oversee AML/ATF/Sanctions/ABAC programs for complex TD businesses and legal entities
• Provide strategic direction and guidance on complex compliance program activities and regulatory or policy changes
• Develop and implement compliance programs, policies, procedures, governance frameworks, and business plans
• Prepare executive, Board, Committee, and regulatory materials, governance reporting, risk assessments, staffing assessments, and program effectiveness evaluations
• Coordinate responses to regulatory examinations and internal/external audits
• Liaise with regulatory and law enforcement agencies on examinations and related inquiries
• Identify, manage, and escalate financial crime and compliance risks
• Maintain management reporting and analysis
• Lead enterprise-wide and customer-focused special projects
• Establish team objectives, monitor performance, provide feedback, and manage employee development and performance processes

Senior Manager, Financial Crime Risk Oversight

IT Support

• Provide specialized, in-depth financial crimes audit subject matter expertise
• Contribute to audit planning, risk assessment, and execution
• Lead or provide supervisory oversight for complex audits and related engagements
• Manage and prioritize multiple concurrent audit projects and initiatives
• Contribute to the strategic direction and implementation of audit programs
• Plan, lead, manage, and oversee audits across multiple areas
• Follow up on findings from internal audits and regulatory reviews
• Lead audit communications and reporting with stakeholders, senior management, and external auditors
• Advise management and teams as an audit lead or specialist advisor
• Identify emerging trends, issues, and opportunities and recommend actions to senior management
• Facilitate key discussions and provide thought leadership to executive audiences
• Lead implementation of policies, processes, procedures, and changes across functional areas
• Assess control weaknesses, operational efficiency opportunities, risks, and regulatory impacts
• Participate in cross-functional and enterprise initiatives as a subject matter expert
• Provide coaching and input into team members' audit assessments
• Support knowledge transfer and overall team performance

Senior Audit Manager – Financial Crimes

Product Manager

• Launch new TD Auto Finance products, programs, and services from inception to delivery
• Understand growth and profitability objectives and generate product ideas
• Gather high-level requirements and develop business cases
• Gain executive support and manage stakeholders across impacted teams
• Build product value propositions and map required investments
• Formulate product portfolio strategy, policy, and overall direction
• Develop and implement products, policies, and procedures to enhance the end-to-end customer experience
• Oversee delivery of products and services to customers
• Act as subject matter expert for product-related inquiries and advise senior management
• Lead business plans to increase new account growth and track P&L impact
• Analyze customer, market, industry, and competitor trends and identify opportunities
• Facilitate ideation and problem-solving sessions with partners and vendors
• Design end-to-end processes for product and segment development, implementation, reporting, and feedback
• Direct market research to determine customer needs
• Manage product features and enhancements and support strategic initiatives
• Deliver financial results through pricing, margin, volume, acquisition, retention, customer experience, engagement, and market share levers
• Support product reviews, planning, forecasting, and strategic review sessions
• Establish product policies and processes aligned with risk appetite
• Oversee product deliverables within budget and approved plans
• Champion annual business planning and monthly/quarterly forecasting
• Collaborate with IT, operations, legal, compliance, marketing, and other internal and external service providers
• Identify and manage market, credit, and operational risks
• Maintain relationships with distribution channel owners and business partners
• Mentor colleagues, share knowledge, and support team development

Senior Product Manager

• Conduct end-to-end investigations of higher-complexity and sensitive financial crime cases
• Investigate AML, Sanctions/ABAC, and other financial crime cases
• Apply methodologies to collect, preserve, and analyze physical and digital evidence
• Assess and prioritize files and ensure investigative protocols are applied
• Apply reasonable grounds to suspect money laundering or terrorist financing
• Recommend account demarketing or freezing through the appropriate investigative unit
• Work with financial institutions, law enforcement, nonprofits, and government counterparts to share information and reduce exposure
• Identify procedural weaknesses, industry risks, typologies, and trends
• Maintain relationships with internal partners including HR, Employment Standards, and Legal
• Lead workstreams and serve as project lead for complex projects and initiatives
• Evaluate processes and recommend enhancements to escalation and feedback mechanisms
• Conduct internal and external research and support presentations and communications to management
• Monitor service and productivity and implement process improvements
• Manage confidential information and escalate high-risk issues
• Analyze functional or enterprise-level results and make recommendations
• Monitor emerging issues, trends, and regulatory requirements
• Participate as a team member, share knowledge, mentor others, and support team development

Senior Financial Crime Risk Investigator – Centralized Investigations

Head of Department

• Develop and lead organization design strategies aligned with the bank’s goals
• Design and implement agile-based “Next Evolution of Work” organizational structures
• Partner with HR business partners, business leaders, and stakeholders on restructuring and role evolution recommendations
• Analyze and optimize organizational structures and communicate recommendations to senior leaders
• Build and mentor a world-class team of organization design consultants
• Integrate change management through communication, stakeholder management, colleague engagement, adoption, and sustainment
• Use metrics, workforce analytics, and feedback to assess structural effectiveness
• Establish and maintain job architecture, including titles, levels, and career pathways
• Ensure quality and consistency of organization effectiveness methodologies, standards, health checks, job evaluations, and capability models
• Provide advice, challenge, and support to optimize business performance and achieve organizational effectiveness goals
• Link strategic advice with execution and measurable business outcomes