General

• Sells and originates residential mortgage loans to sales goals
• Takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans
• Guides Customers through the mortgage application process
• Communicates loan decisions directly to Customers and explains any additional information needed
• Develops knowledge of current industry practices and trends by learning from more experienced sales personnel

Mortgage Loan Officer

• Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources
• Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs
• Guides Customers through the mortgage application process
• Explains information required and other aspects of the loan process to Customers
• Ensures applications are completed accurately and contain required information and supporting documentation
• Manages Customers expectations regarding processing times and closing dates
• Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
• Generates referrals for mortgage sales opportunities and sales of other Company business line products
• Develops plan to achieve sales goals with assistance from sales management
• Enters information into mortgage loan system so that loans will appear accurately in the pipeline
• Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes
• Sends application and other required information to underwriting area
• Underwrites loans using point-of-sale underwriting systems within scope of authority
• Communicates loan decisions directly to Customers and explains any additional information needed
• Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing
• Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned
• Attends closings as needed
• Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of Company products and services as well as mortgage laws and regulations
• Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products
• Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops
• Recommends changes to products, programs and/or pricing
• Ensures TD Bank maintains successful audits and exams within all areas
• Deals with complex mortgage needs

• Researches direct and indirect credit bureau disputes
• Responds to customers and credit reporting agencies to ensure discrepancies are resolved
• Utilizes third party data sources, internal systems and tools to research and analyze information to ensure accuracy of credit reporting
• Researches and responds to disputes received directly by mail or email
• Utilizes e-Oscar to quickly respond to indirect disputes
• Maintains a clear understanding of current internal credit-related policies and procedures
• Responsible for ensuring confidentiality of all aspects of the company’s operations
• Engages internal/external partners to obtain pertinent account information
• Promotes a positive team environment by demonstrating professional behavior

Credit Bureau Disputes Specialist

Risk

• Execute and enhance control and process testing to assess the design and operating effectiveness of controls
• Identify control gaps, document results, and recommend improvements
• Provide support and guidance to the CPB businesses
• Lead the implementation of governance and control initiatives

Senior Governance & Control Analyst

• Conducting in-depth financial analysis on companies and industries to identify investment opportunities suitable for TDAM portfolios.
• Developing and presenting investment ideas through written reports and presentations to investment and client-facing teams.
• Owning a sector by maintaining thorough and consistent research coverage, including proposing new investment ideas and recommending portfolio exits.
• Building and maintaining relationships with company management and industry counterparties to strengthen research insights and support investment decision-making.
• Attending industry conferences and seminars to gather insights and stay current on market trends.

Associate, Fundamental Equities

• Develops and implements the CUSO incident management strategy and relevant playbooks and practices
• Delivers significant Event Escalation reporting
• Provides a comprehensive and diverse range of risk management expertise to business leaders
• Leads and supports the implementation of appropriate risk frameworks
• Integrates knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operations
• Recommends course of action and best practices to improve products, processes or services
• Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty
• Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
• Solves or may lead others to solve complex problems
• Communicates difficult concepts; converts information to compelling business context and advice
• Influences and gains alignment across increasingly senior stakeholders

Group Risk Specialist – Incident Management

Executive Assistant

• Provides dedicated administrative support to executives
• Supports multiple VPs and AVPs
• Manages information flow
• Maintains executives' schedules
• Takes minutes during meetings
• Screens and directs phone calls
• Prioritizes and manages own workload for service and productivity

Executive Assistant I

• Contribute to the strategic direction of the business management function
• Plan, lead/manage, and oversee diverse work activities
• Provide direction/input to enterprise or cross-function projects
• Facilitate key discussions and provide thought leadership
• Actively manage relationships with corporate/control functions
• Assess potential impacts to the Bank regarding regulatory requirements
• Maintain a culture of risk management and control
• Undertake and complete a variety of complex projects and initiatives

Business Management Specialist

Administrative Assistant

• Provides advice, guidance and support to Risk Owners (businesses and corporate functions)
• Supports all activities related to Canadian Privacy's Regulatory Compliance Management (RCM) activities
• Identifies issues and supports the management of privacy controls
• Supports TD's data strategy and strategic data initiatives
• Maintains strong relationships with key stakeholders and be an ambassador for TD's privacy program
• Lead/support special projects, as required

Manager, Canadian Privacy Office – CPO

Community Manager

• Identifies, develops and maintains a quality network of community-based organizations, Realtors, and local state/government agencies
• Takes residential mortgage loan applications and communicates underwriting decisions
• Increases mortgage loan volume, focusing on CRA, low-and moderate-income, and multicultural borrowers
• Establish relationships with nonprofit organizations, realtors, state and local housing offices
• Represents the bank in community-based meetings and initiatives
• Explains variety of mortgage products and services available
• Guides customers through the mortgage application process
• Communicates regularly with customers, underwriters, processors, and others to ensure applications are processed as planned

Community Mortgage Loan Officer

Compliance

• Leads and acts as the business program owner and foremost subject matter expert in the development and implementation of methodologies and practices to gain insights from compliance data.
• Works along with Compliance partners, business associates, and other stakeholders to develop and enhance compliance risk and performance metrics, measures, and dashboards to better understand compliance risk and the operational risk attendant to the execution of our compliance risk management programs.
• Partners with the U.S. CCO and the rest of the U.S. CSET to move from information to actionable intelligence.
• Provides 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.
• Executes on U.S. Initiatives in accordance with the TD Global Compliance Department Mandate and the Regulatory Compliance Management Program.
• Owns KPIs and certain other key metrics for U.S. Compliance, responsible for compliance data roadmap, and responsibility for coordinating with peers on related reporting of actionable insights and intelligence.
• Owns remediation activities related to data and enabling of data insights.
• Facilitates the support of strategy for the Compliance team by supporting the design and implementation of stakeholder engagement plans, programs, and projects to support strategic U.S. and Compliance objectives.
• Leads the strategy and long-term enablement and capabilities planning for compliance data insights by anticipating emerging issues and translating business and organizational challenges into sustainable strategies to continue to meet regulatory expectations and be appropriately aligned with industry practices of peer institutions.
• Leads strategic program initiatives to continuously improve Compliance enablement and capabilities.
• With Compliance and Risk partners promotes a strong governance & control environment with periodic assessments against industry practices.

Head of US Compliance Data Insights

Product Manager

• Ensure that a development team is creating value for the organization through delivery of product increments
• Align with other Product Owners and senior management to follow a product vision
• Create and maintain a prioritized product backlog
• Manage delivery blockers and assess customer feedback
• Oversee management of assigned products, services, and programs

Events

• Provide a broad range of research, analysis, reporting, monitoring and/or operational process support within a defined area of function
• Support business by providing expert guidance/advice on a range of risk related matters within assigned or own area of specialization
• Support and/or provide oversight, commentary, and strategy analysis in connection to team and/or individual initiatives
• Prepare and submit targeted quarterly data quality (DQ) assessment for accuracy, completeness, and GL verifications
• Maintain the DQ submission log each quarter to ensure submissions are timely and attestations are completed per policy/procedures
• Cross train with the eventual goal of conducting the review independently in the future
• Continuous improvement/maturation of the existing process, as needed
• Learn and maintain pertinent procedures, policies, and job-aid

Senior Group Risk Analyst – Internal Loss Event Data Program

Sales

• Provides ongoing Commercial Customer service and documentation and loan system support as the Relationship Teams liaison on assigned accounts.
• Provides professional and efficient service to external and internal Customers.
• Analyzes transaction structure.
• Provides Customer service functions.
• Provides administrative support to Relationship Managers.
• Assists the Relationship Manager(s) in closing loans, including assisting to clear conditions of closing, aiding in the preparation of the closing packages and organizing the loan closing package.
• Provides Financial Statement support, including uploading and tracking of statements.
• Processes payments, advances, pay-downs, wires and line of credit adjustments.
• Supports Relationship Team with reporting, loan activities, delinquencies, correspondence preparation and tracking in loan information.
• Supports Relationship Managers with reporting, including pipeline, loan closing and the most complex loan input on the Bank loan origination platform.
• Prepares correspondence and provides administrative support.
• May act as the initial Customer service contact and may initiate and facilitate Customer research (depends on complexity and nature of issue) ensuring a comprehensive solution to the Customer is provided.
• Processes Customer transactions as necessary.
• Interacts with external Customers as needed.
• Provides notary services as needed.
• Processes more complex payments, advances, pay-downs, wires and line of credit adjustments.
• Initiates and facilitates Customer research on complex issues.
• Assists Relationship Team with clearing and management exceptions.
• Serves as a resource for mentoring Commercial Sales Associates I & II.
• Prepares correspondence under the direction and review of the Relationship Managers and Commercial leadership.
• Assists in the development and making recommendations of procedures and process flow.
• May generate and distribute reports to the Relationship management team, including daily and monthly reporting.
• Acts as the initial Customer service contact and may research more complex Customer requests or transactions.

Commercial Sales Associate III

Financial Crime

• Managing executive and regulatory stakeholder relationships
• Designing, implementing, and sustaining data processes, controls, and remediation activities that support Financial Crimes risk management
• Supporting regulatory examinations and audit requirements
• Creating and maintaining data product and asset roadmaps
• Owning financial management and delivery of all committed features
• Leverage deep technology expertise to deliver end-to-end cost-effective solutions meeting enterprise standards
• Collaborate with partners and stakeholders to align solutions with technical direction, requirements, budget, scalability, quality and architectural goals, considering all risks and impacts
• Build, motivate, and nurture productive relationships with internal and external business partners and stakeholders

Mortgage Loan Officer

Mortgage Loan Officer

Credit Bureau Disputes Specialist

Senior Governance & Control Analyst

Associate, Fundamental Equities

Group Risk Specialist – Incident Management

Executive Assistant I

Business Management Specialist

Manager, Canadian Privacy Office – CPO

Community Mortgage Loan Officer

Head of US Compliance Data Insights

Product Manager

Senior Group Risk Analyst – Internal Loss Event Data Program

Commercial Sales Associate III

Head of Financial Crimes Data Technology