**Work Location:** Toronto, Ontario, Canada **Hours:** 37.5 **Line of Business:** Analytics, Insights, & Artificial Intelligence **Pay Details:** $81,600 - $115,200 CAD 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. **Job Description:** **Department Overview** Within Canadian Personal Banking Analytics, Insights, and AI (CPB AI2), the Real Estate Secured Lending (RESL) Remediation & Regulatory team supports day-to-day operations of RESL Issue Management and Customer Remediation through data-driven insights. We help quantify issue materiality, identify impacted customer segments, and ensure efficient, effective remediation. We are also responsible for delivering timely updates to regulators, helping safeguard TD’s brand and uphold our strong reputation. **Job Description: Data Scientist II – Remediation** We are seeking a Data Analyst / Scientist to partner closely with business teams to investigate, analyze, and solve issues affecting our RESL customers, while responding to regulatory data requests with precision and integrity. If you're detail-oriented, passionate about problem-solving, and thrive on uncovering meaningful insights from data, this role is for you. **Key Responsibilities** + Build a deep understanding of the RESL business context, data infrastructure, and analytical needs. Translate complex business problems into viable and scalable data solutions. + Use programming languages such as Python, PySpark, and SQL to extract, transform, and analyze large datasets. Leverage business acumen to uncover insights that drive action. + Proactively engage with data owners to identify and acquire the necessary data sources required to support business analysis, regulatory responses, and remediation efforts. + Partner with business stakeholders to define issues, investigate root causes, and quantify customer and operational impacts. Translate business needs into analytical requirements and deliver actionable, data-driven solutions. + Support business validation efforts by providing accurate data for testing and verification of implemented solutions, ensuring remediation effectiveness and integrity. + Gather and prepare impacted customer data for communication and remediation. Assist in calculating financial harm, preparing customer notification packages, and developing remediation strategies with business partners. + Design and automate recurring regulatory and business reports to improve efficiency, consistency, and accuracy of deliverables. + Communicate complex insights clearly through effective visualizations and storytelling tailored to both technical and non-technical audiences. + Work independently and collaboratively with data engineers, product managers, and business stakeholders to ensure alignment and progress across initiatives. + Actively contribute ideas for process and solution improvements, focusing on increasing the effectiveness, efficiency, and impact of analytics within the team. + Follow enterprise data governance and privacy standards rigorously, especially when working with sensitive customer information. Ensure responsible handling, storage, and sharing of data at all times. **Team Culture & Collaboration** + Be an active, engaged, and supportive team member in a collaborative and high-performance environment. + Promote a positive, inclusive work culture centered around service, innovation, and continuous improvement. + Participate in training, performance feedback, and knowledge-sharing initiatives. + Keep stakeholders informed about key project updates and potential risks or blockers. **Required Qualifications & Skills:** Education & Experience: + Undergraduate or advanced degree in a technical field (e.g., Math, Statistics, Engineering, Computer Science, or Finance). + 3+ years of experience in data analytics, data science, or a similar role; graduate-level research or thesis work may count toward experience. Technical Skills: + **Programming** : Proficient in Python and SQL; working knowledge of PySpark and Azure Databricks or equivalent cloud-based platforms is an asset. + **Data Visualization** : Proficiency in Tableau, Power BI, and Excel for interactive reporting. + **Data Handling** : Experience working with large datasets and customer-sensitive and transactional data. Core Competencies: + Strong analytical and problem-solving skills. + Excellent communication and stakeholder management. + Ability to manage multiple priorities in a fast-paced, highly-regulated environment. + Attention to detail, integrity, and a customer-first mindset. + Experience in RESL products (Mortgage, Home Equity Line of Credit, … etc.) is an asset. **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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td) **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. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements. **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** Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you! **Language Requirement (Quebec only):** Sans Objet Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.