Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$95,264 - $155,376 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:

Analytics, Insights, & Artificial Intelligence

Job Description:

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 Data Scientist III is responsible for understanding the business needs, collecting necessary data and using wide range of data science techniques, including but not limited to data quality check, data preprocessing, data sanitizing, profiling and visualization, statistical inference, technical reports to detect any potential fair lending risk in business practice, guiding and providing mentorship to junior team members, collaborating with partner teams to uncover actionable insights and build analytics solutions that guide decision making and strategic planning.

Key Responsibilities:

Understand the business needs and convert business requirements to technical solutions

Lead, develop and manage end-to-end statistical analyses on TD products to ensure fair banking compliance with an oversight from a senior manager

Document the completed analytical deliverables in a sustainable format

Provide expertise and share knowledge in training sessions with junior team members

Perform quantitative analysis to identify potential fair lending risks in business practice

Develop specialized analytical tools for projects or ongoing use

Compile and generate ad-hoc analytical reports and presentations

Advocate and initiate research efforts, applying expertise in statistical analysis and modeling

Work with multiple cross-functional teams or projects with significant complexity

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

Possibly provide advisory support to line of business model owners regarding best practices for compliance guided by policies and industry standards/methods

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.

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

Job Description Summary

The Data Scientist III provides technical leadership across the overall Analytics function which may have an enterprise mandate. This role generally provides deep technical knowledge and expertise in client interactions to explain complex data analysis related material.

Depth & Scope:

Generally accountable for a significant business management area that typically has enterprise-wide impact or accountability

Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels

Undertakes and completes a variety of complex initiatives requiring seasoned specialist knowledge and/or the integration of cross functional processes

Position typically deals with senior/executive management

Works independently on activities related to analysis, design and support of technical data management solutions on various projects ranging in complexity and size

Focuses on longer-range planning for functional area (e.g. 12 months or greater)

May manage and prioritize multiple projects at a given time

Education & Experience:

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

5+ year of relevant experience; higher degree education and research tenure can be counted

Desired Skills & Experience:

Master or doctorate degree in a quantitative field (e.g., Statistics, Economics, Mathematics, Computer Science, Engineering)

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 one statistical tools (Python, SAS or R)

In-depth knowledge of quantitative models and statistical analysis, Experience working with AI/ML and Gen AI based models. Proficiency in one of the following tools: Python, SAS or R is required

Experience working with databases/datasets and data visualization tools (Tableau/Power BI) is a plus

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:

Works closely with business owners to identify opportunities and serves as an ambassador for data science

Is familiar with the business context and data infrastructure and can translate 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:

Analytical thought leadership and stays current on developments in data mining and the application of data science

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 enhances performance

Adheres to enterprise frameworks or methodologies that relate to activities for business area

Ensures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities

Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations

Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist

Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues

Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements

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

Provides thought leadership and/or industry knowledge for own area of 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 team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices

Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships

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 – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, 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.

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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.