Business Specialist jobs at TD Bank

Hours: 40 Pay Details: $91,000 - $145,600 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: Business Management, Strategy & Support Job Description: The Business Mgmt Specialist manages a diverse portfolio of business management activities for complex or high risk functional area(s), and implement policies / processes and/or initiatives to meet business management, strategy and governance objectives. Interfaces regularly with management in the delivery of work activities. Depth & Scope: * Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others * Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members * Scopes of role may have enterprise impact * Focuses on short to medium - term issues (e.g. 6-12 months) * Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise * Oversees and/or independently performs tasks from end to end Education & Experience: * Undergraduate degree * 7+ years relevant experience Customer Accountabilities: * Contributes to the strategic direction of the business management function and play a key role in the development and implementation of strategies in support of the overall business strategy * Plans, leads / manages and/or oversees a diverse set of work activities requiring alignment across multiple areas * Leads / manages the integrated implementation of policies / processes / procedures / changes in across multiple functional areas * Provides direction and/or input to complex, wide ranging enterprise or cross-function / business projects/initiatives as a subject matter expert and where necessary participates in identifying, designing and testing solutions and supporting the implementation * Facilitates key discussions and provides thought leadership to executive audience (output is roadmap and/or strategic plan/ deliverables/frameworks/ short to long term goals etc.) * Leads partner to management / leadership and respective teams for area of specialization with industry, external and internal, enterprise and business awareness; recognizing and anticipating emerging trends and; identifying issues and opportunities and recommending action to senior management * Works effectively with multiple teams across a broad spectrum of initiatives and functional domains, influencing others as needed Shareholder Accountabilities: * Adheres to enterprise frameworks and methodologies that relate to business management activities for own area * Actively manages relationships with corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements * Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the Bank * Assesses / identifies key issues and escalate to appropriate levels and relevant stakeholders where required * Maintains a culture of risk management and control, supported by effective processes and sound infrastructure an in alignment with risk appetite * Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals, and physical control of assets). * Participates in cross-functional / enterprise initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations * Leads relevant governance meetings or committees and related deliverables / outcomes * Leads / facilitates and/or implements action/remediation plans to address performance/risk/governance issues Employee/Team Accountabilities: * Provides thought leadership and/or industry knowledge for own area of expertise * Supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest * Identifies and recommends opportunities to enhance productivity, effectiveness and operational efficiency * Works effectively as a team, supporting other members of the team in achieving business objectives and providing client services * Participates in knowledge transfer within the team and business units 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Join a high-impact team supporting the servicing of commercial real estate loans across New York City's five boroughs - including Manhattan, Brooklyn, Queens, the Bronx, and Staten Island. As a Loan Operations Specialist, you'll play a critical role in managing the full lifecycle of complex CRE and syndicated loans, ensuring accuracy, timeliness, and compliance in all aspects of loan setup, payment processing, and reconciliation. This is an excellent opportunity for recent graduates with a foundation in accounting or finance, and a strong interest in real estate lending operations. We offer hands-on training in CRE servicing and exposure to high-value transactions in a fast-paced, collaborative environment. Key Responsibilities: Loan Setup & Maintenance: Accurately input and maintain loan data for new originations, modifications, renewals, and refinances. Set up syndicated loans and manage participation payments - whether we're the lead lender or a participant. Issue payoff letters and manage loan payoffs, including construction and participation loans. Payment Processing & Reconciliation: Process daily mortgage payments (~$30M/month) and reconcile general ledger entries. Manage escrow payments, interest rate adjustments, principal advances, and late charges. Verify payment amounts, reconcile discrepancies, and ensure timely deposits. Reporting & Compliance: Run daily loan accounting system reports and reconcile assigned general ledger accounts. Prepare wire transfers and manage unapplied funds and suspense accounts. Maintain audit-ready documentation and support internal/external audit requests. Client & Team Support: Collaborate with Relationship Managers and other departments to provide requested documentation. Communicate with other institutions to resolve payment differences on syndicated loans. Education and Experience Required: A combined minimum of 2 years' higher education and/or work experience Education and Experience Preferred: Early Career Professionals Welcome: Recent college graduates with internship experience or exposure to accounting, finance, or real estate are encouraged to apply. Document Familiarity: Experience working with loan documents or title companies is a plus. CRE-specific knowledge is not required - we'll train you! Detail-Oriented & Organized: Ability to manage multiple transactions and deadlines with precision. Working Model/Office Location: This is a hybrid position currently requiring two days in office per week. Eligible candidates must live within reasonable commuting distance to 250 Park Avenue, New York, NY 10177. Required Availability: Monday-Friday, 8:30am-5:30pm Why Join Us? Be part of a specialized team managing high-value NYC commercial real estate loans. Gain exposure to syndicated lending and complex CRE transactions. Work in a collaborative, inclusive environment that supports career growth and development. Contribute to a team that values accuracy, integrity, and client service. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.79 - $37.99 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationNew York, New York, United States of America

Join a high-impact team supporting the servicing of commercial real estate loans across New York City's five boroughs - including Manhattan, Brooklyn, Queens, the Bronx, and Staten Island. As a Loan Operations Specialist, you'll play a critical role in managing the full lifecycle of complex CRE and syndicated loans, ensuring accuracy, timeliness, and compliance in all aspects of loan setup, payment processing, and reconciliation. This is an excellent opportunity for recent graduates with a foundation in accounting or finance, and a strong interest in real estate lending operations. We offer hands-on training in CRE servicing and exposure to high-value transactions in a fast-paced, collaborative environment. **Key Responsibilities:** + **Loan Setup & Maintenance:** Accurately input and maintain loan data for new originations, modifications, renewals, and refinances. Set up syndicated loans and manage participation payments - whether we're the lead lender or a participant. Issue payoff letters and manage loan payoffs, including construction and participation loans. + **Payment Processing & Reconciliation:** Process daily mortgage payments (~$30M/month) and reconcile general ledger entries. Manage escrow payments, interest rate adjustments, principal advances, and late charges. Verify payment amounts, reconcile discrepancies, and ensure timely deposits. + **Reporting & Compliance:** Run daily loan accounting system reports and reconcile assigned general ledger accounts. Prepare wire transfers and manage unapplied funds and suspense accounts. Maintain audit-ready documentation and support internal/external audit requests. + **Client & Team Support:** Collaborate with Relationship Managers and other departments to provide requested documentation. Communicate with other institutions to resolve payment differences on syndicated loans. **Education and Experience Required:** + A combined minimum of 2 years' higher education and/or work experience **Education and Experience Preferred:** + **Early Career Professionals Welcome** : Recent college graduates with internship experience or exposure to accounting, finance, or real estate are encouraged to apply. + **Document Familiarity** : Experience working with loan documents or title companies is a plus. CRE-specific knowledge is not required - we'll train you! + **Detail-Oriented & Organized** : Ability to manage multiple transactions and deadlines with precision. **Working Model/Office Location:** + This is a hybrid position currently requiring two days in office per week. + Eligible candidates must live within reasonable commuting distance to 250 Park Avenue, New York, NY 10177. **Required Availability:** + Monday-Friday, 8:30am-5:30pm **Why Join Us?** + Be part of a specialized team managing high-value NYC commercial real estate loans. + Gain exposure to syndicated lending and complex CRE transactions. + Work in a collaborative, inclusive environment that supports career growth and development. + Contribute to a team that values accuracy, integrity, and client service. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.79 - $37.99 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** New York, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Hours: 40 Pay Details: $92,220 - $149,310 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 : The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. Job Description Depth & Scope: * Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others * Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members * Scope of role may have enterprise impact * Focuses on short to medium - term issues (e.g. 6-12 months) * Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise * Oversees and/or independently performs tasks from end-to-end * May interact with any hierarchy level up to executive leaders and external vendors 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 Preferred Skills: * Experience with PowerBI or Tableau * Data Analytics & Technology Skills * Ability to prioritize and work in a fast-paced environment * Relevant Audit experience is a plus, but not required Customer Accountabilities: * Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs * Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience * Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business * Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate * Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations * Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution * Provides day-to-day support and delivery of analytics Shareholder Accountabilities: * Represents functional area as a business insights & analytics specialized expert * Synthesizes complex and vast amount of information and translates into actionable insights and strategy * Builds business requirements and facilitates project execution to develop insights * Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value * Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers * Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly * Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand * Provides business explanation for anomalies/outliers identified during analysis * Works with business functions and analytics teams to transition business requirements to analytics requirements * Trains business users on how to integrate analytics into decisions * Leverages knowledge of data capabilities to build and deliver insights * Develops analysis to corroborate initial proof of concept * Executes on data requests accurately and within a timely manner * Identifies and investigates data/analytics related issues * Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) * 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 * Contribute to data deliverables including Internal, Senior Management, and Audit Committee Reporting * Apply automation and innovation on data platforms to support business function * Design and implement complex business data information management frameworks to provide a solution that meets business requirements * Understand business data and provide analysis and requirements to ensure the data design / development initiatives are in line with the planned design and standards * Conduct meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices. * Implement continuous process / performance improvements where opportunities exist. #LI-AMCBCorporate #IN-AMCBCorporate 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Hours: 40 Pay Details: $86,840 - $139,360 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: Enterprise Enabling Functions Job Description: The eGRC Business Analysis Specialist- Laws, Rules, and Regulations is responsible to ensure that a development team (pod) or multiple development teams (pods) are creating value for the organization through the delivery of customer-focused product increments. This entails aligning with other Business Analysts, Product Owners and Senior Management to follow a product vision, creating and maintaining a prioritized product backlog, managing delivery blockers, continuously assessing customer feedback. The Business Analyst II should always be considering how to maximize value, assessing how the product or the delivery process can be continuously improved, contributes to a positive work environment and ensures that work embodies the Agile principles of transparency, collaboration and engagement. The Business Analysis Specialist provides support and delivery of requirements and work packages on low complexity projects/initiatives in alignment with business strategies. This role may also support team with project/program delivery. Depth & Scope: * Leads Requirements Management/work packages for Tier 5 low to moderate risk and regulatory projects or initiatives and may contribute to Tier 3-4 projects * Sound to advanced knowledge of business analysis, project delivery practices and standards across the project life-cycle * Gain/acquire sound understanding of business and user interaction with technology throughout project delivery * Work performed under minimal management guidance and supervision * Identify and lead problem resolution * Supports and may contribute to communication and change management activities Education & Experience: * Undergraduate degree * 3+ years related experience Preferred Qualifications: The preferred candidate would have extensive experience developing and owning tooling and producing reporting for one or more of the following Global Compliance programs at a large FI or G-SIB: * Experience building logical data models to integrate LRR's into the broader risk management framework for enabling holistic Non-Financial Risk Reporting and Insights. Laws, Rules, Regulations Management / Regulatory Change Management * Experience working with LRR content vendors * Experience establishing a Reg Change Management lifecycle * Policy Management: experience establishing a policy inventory inclusive of workflows to maintain lifecycle management, linkages to LRR's and Controls, clear roles to drive proper governance and accountability * Monitoring and Testing: Experience establishing a monitoring inventory with testing integration. Automated testing methodology * Issue Management: Integrations of enterprise Issue Management into the broader Compliance Management System: Testing, Risk Assessment, LRR's Customer Accountabilities: * Leads a diverse range of stakeholders; communicates effectively by adapting style and technique to a diverse audience * Analyzes impacts to customers, stakeholders, employees, process, technology solutions to achieve business results * Understands and clarifies work packages of each assigned initiative/project inclusive of constraints (time, cost, people resources) and maintains a customer-centric approach * Provides recommendations and direction based on the end to end customer experience when making decisions * Leads and owns the project deliverables related to business requirements to meet the needs of the customer, employee, and business * Assesses and ensures that customer and employee experience/stakeholder impacts are appropriately managed * Engages appropriate stakeholders to identify and manage required outcomes of projects for the business * Provides on-going communication to key stakeholders, including the project sponsor, business project owner, project/program/portfolio manager to ensure they are aware of significant changes which impact requirements delivery against the overall project * Responds to inquiries and escalates concerns from stakeholders and partners at all levels in the organization * Identifies and leads problem resolution to ensure customer needs are met * Contributes to the application of change management best practices (e.g. stakeholder analysis, gap analysis, change planning, etc.) * Collaborates with the project manager and business sponsor to identify and ensure required resources are assigned to the project for successful delivery of requirements * Ensures timely notification and escalation of possible issues/problems while assessing options and recommendations for prompt resolution Shareholder Accountabilities: * Leads requirements management on project(s) which are based on complexity, size and budget as defined by the project governance levels * Provides leadership/guidance and supports in defining the business need or problem statement based on strategic drivers and identifies potential solutions * Identifies scope changes and completes analysis to determine impact to project benefits and risks * Facilitates and follows a structured approach to plan, elicit, analyze, document, communicate, and manage business requirements with stakeholders by applying a variety of elicitation techniques to probe, challenge and understand requirements according to the requirements management discipline * Identifies, documents and validates current state processes and works with the business and stakeholders to design the desired future state * Establishes and maintains full requirements traceability and works with the business to prioritize requirements and scope changes to ensure business needs are met * Collaborates with technology partners and provides recommendations to support development of: system requirements and design, testing plans, artifacts/deliverables to ensure business needs are met * Ensures project issues and concerns are addressed for clear articulation of business requirements (eg. Business Systems Analyst) * Proactively identifies and tracks requirements risks, issues, assumptions, dependencies, constraints and anticipates and effectively manages risks related to requirements. Aligns decisions to TD's risk appetite * Develops mitigation plans or leads/contributes to the completion of necessary compliance/new process assessment templates * Contributes to Quality Assurance activities by supporting the development of test scripts and testing of developed solutions, including communication of issues and resolution * Adheres to Enterprise project governance controls to ensure projects meet all performance, quality and compliance standards and conforms to appropriate disciplines * Contributes to the development of the project plan and high-level work breakout session (WBS), identifies and manages key risks and decisions * Owns and completes relevant work packages through collaboration with multiple stakeholders to prepare for operational readiness, managing deadlines and adjusting to changing work priorities * Takes ownership and communicates progress on work packages, including requirements management, in a concise and timely manner, escalating issues to project manager, partners and manager where appropriate * Assesses project change requests and their impacts on requirements, checking for alignment to project benefits at all phases * Develops efficient and effective solutions through analytical problem solving * Supports implementation/post implementation activities as defined in the project plan Employee/Team Accountabilities: * Contributes to team development of skills and capability through mentorship of junior/peer Business Analysts by sharing knowledge and experiences, leveraging best practices * Continuously enhances knowledge/expertise in business analysis to provide advice and guidance to business partners and project team regarding best practices * Leads, motivates and develops relationships with the business, stakeholders, and technology partners to develop productive working relationships * Engages, enables and leads stakeholders to agreement/consensus on the business requirements * Prioritizes and manages work load and capacity to deliver on project milestone dates * Participates in regular coaching and performance review sessions, employee surveys and action plans * Owns development plan including activities related to training, relationship building and on-the-job experiences that continually enhance individual business analysis capabilities to achieve career goals * Fosters a collaborative team environment by participating in team meetings and reward & recognition programs * Supports, mentors and provides guidance to junior level Business Analysts and peers * Contributes to a positive work environment by embracing diversity in the workplace and supporting and proudly representing TD in the community 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

New York, New York, United States of America **Hours:** 40 **Pay Details:** $86,840 - $139,360 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:** Enterprise Enabling Functions **Job Description:** **The eGRC Business Analysis Specialist- Laws, Rules, and Regulations** is responsible to ensure that a development team (pod) or multiple development teams (pods) are creating value for the organization through the delivery of customer-focused product increments. This entails aligning with other Business Analysts, Product Owners and Senior Management to follow a product vision, creating and maintaining a prioritized product backlog, managing delivery blockers, continuously assessing customer feedback. The Business Analyst II should always be considering how to maximize value, assessing how the product or the delivery process can be continuously improved, contributes to a positive work environment and ensures that work embodies the Agile principles of transparency, collaboration and engagement. The Business Analysis Specialist provides support and delivery of requirements and work packages on low complexity projects/initiatives in alignment with business strategies. This role may also support team with project/program delivery. **Depth & Scope:** + Leads Requirements Management/work packages for Tier 5 low to moderate risk and regulatory projects or initiatives and may contribute to Tier 3-4 projects + Sound to advanced knowledge of business analysis, project delivery practices and standards across the project life-cycle + Gain/acquire sound understanding of business and user interaction with technology throughout project delivery + Work performed under minimal management guidance and supervision + Identify and lead problem resolution + Supports and may contribute to communication and change management activities **Education & Experience:** + Undergraduate degree + 3+ years related experience **Preferred Qualifications:** The preferred candidate would have extensive experience developing and owning tooling and producing reporting for one or more of the following Global Compliance programs at a large FI or G-SIB: + Experience building logical data models to integrate LRR's into the broader risk management framework for enabling holistic Non-Financial Risk Reporting and Insights.Laws, Rules, Regulations Management / Regulatory Change Management + Experience working with LRR content vendors + Experience establishing a Reg Change Management lifecycle + Policy Management: experience establishing a policy inventory inclusive of workflows to maintain lifecycle management, linkages to LRR's and Controls, clear roles to drive proper governance and accountability + Monitoring and Testing: Experience establishing a monitoring inventory with testing integration. Automated testing methodology + Issue Management: Integrations of enterprise Issue Management into the broader Compliance Management System: Testing, Risk Assessment, LRR's **Customer Accountabilities:** + Leads a diverse range of stakeholders; communicates effectively by adapting style and technique to a diverse audience + Analyzes impacts to customers, stakeholders, employees, process, technology solutions to achieve business results + Understands and clarifies work packages of each assigned initiative/project inclusive of constraints (time, cost, people resources) and maintains a customer-centric approach + Provides recommendations and direction based on the end to end customer experience when making decisions + Leads and owns the project deliverables related to business requirements to meet the needs of the customer, employee, and business + Assesses and ensures that customer and employee experience/stakeholder impacts are appropriately managed + Engages appropriate stakeholders to identify and manage required outcomes of projects for the business + Provides on-going communication to key stakeholders, including the project sponsor, business project owner, project/program/portfolio manager to ensure they are aware of significant changes which impact requirements delivery against the overall project + Responds to inquiries and escalates concerns from stakeholders and partners at all levels in the organization + Identifies and leads problem resolution to ensure customer needs are met + Contributes to the application of change management best practices (e.g. stakeholder analysis, gap analysis, change planning, etc.) + Collaborates with the project manager and business sponsor to identify and ensure required resources are assigned to the project for successful delivery of requirements + Ensures timely notification and escalation of possible issues/problems while assessing options and recommendations for prompt resolution **Shareholder Accountabilities:** + Leads requirements management on project(s) which are based on complexity, size and budget as defined by the project governance levels + Provides leadership/guidance and supports in defining the business need or problem statement based on strategic drivers and identifies potential solutions + Identifies scope changes and completes analysis to determine impact to project benefits and risks + Facilitates and follows a structured approach to plan, elicit, analyze, document, communicate, and manage business requirements with stakeholders by applying a variety of elicitation techniques to probe, challenge and understand requirements according to the requirements management discipline + Identifies, documents and validates current state processes and works with the business and stakeholders to design the desired future state + Establishes and maintains full requirements traceability and works with the business to prioritize requirements and scope changes to ensure business needs are met + Collaborates with technology partners and provides recommendations to support development of: system requirements and design, testing plans, artifacts/deliverables to ensure business needs are met + Ensures project issues and concerns are addressed for clear articulation of business requirements (eg. Business Systems Analyst) + Proactively identifies and tracks requirements risks, issues, assumptions, dependencies, constraints and anticipates and effectively manages risks related to requirements. Aligns decisions to TD's risk appetite + Develops mitigation plans or leads/contributes to the completion of necessary compliance/new process assessment templates + Contributes to Quality Assurance activities by supporting the development of test scripts and testing of developed solutions, including communication of issues and resolution + Adheres to Enterprise project governance controls to ensure projects meet all performance, quality and compliance standards and conforms to appropriate disciplines + Contributes to the development of the project plan and high-level work breakout session (WBS), identifies and manages key risks and decisions + Owns and completes relevant work packages through collaboration with multiple stakeholders to prepare for operational readiness, managing deadlines and adjusting to changing work priorities + Takes ownership and communicates progress on work packages, including requirements management, in a concise and timely manner, escalating issues to project manager, partners and manager where appropriate + Assesses project change requests and their impacts on requirements, checking for alignment to project benefits at all phases + Develops efficient and effective solutions through analytical problem solving + Supports implementation/post implementation activities as defined in the project plan **Employee/Team Accountabilities:** + Contributes to team development of skills and capability through mentorship of junior/peer Business Analysts by sharing knowledge and experiences, leveraging best practices + Continuously enhances knowledge/expertise in business analysis to provide advice and guidance to business partners and project team regarding best practices + Leads, motivates and develops relationships with the business, stakeholders, and technology partners to develop productive working relationships + Engages, enables and leads stakeholders to agreement/consensus on the business requirements + Prioritizes and manages work load and capacity to deliver on project milestone dates + Participates in regular coaching and performance review sessions, employee surveys and action plans + Owns development plan including activities related to training, relationship building and on-the-job experiences that continually enhance individual business analysis capabilities to achieve career goals + Fosters a collaborative team environment by participating in team meetings and reward & recognition programs + Supports, mentors and provides guidance to junior level Business Analysts and peers + Contributes to a positive work environment by embracing diversity in the workplace and supporting and proudly representing TD in the community **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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Responsibilities include but are not limited to: Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Actively collaborates with other lines of business to ensure the clients specific needs are met. Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitor outstanding loans and take necessary collection actions on past dues. Educates the borrower on business line process, structure, and set expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. Recommends approval of customer applications for commercial loans.

The New York Life Summer Internship experience offers an exciting opportunity for rising juniors and seniors looking to gain exposure to a corporate environment. As part of your summer, you'll participate in learning and development activities, gaining insight into our business and how our company functions. The summer internship program also includes additional social and networking opportunities where you will be able to expand your network with peers, mentors and senior leaders. The Summer Internship opportunity is 10 weeks long, beginning Monday June 1st, 2026, and concluding Thursday, August 6, 2026. Interns will work on a hybrid schedule with Mondays and Fridays remotely. Internship opportunities may be located in: New York, NY, White Plains, NY or Jersey City, NJ. Location is dependent upon the exact team you are aligned to; however, you will be able to specify your preferences on the job application. What You'll Do: Join New York Life's Business Strategy & Operations pathway and gain hands-on experience contributing to initiatives that improve efficiency, strengthen operations, and support strategic decision-making. As an intern, you will learn how a Fortune 100 company runs its core business processes while developing critical skills in problem-solving, analysis, and collaboration. Interns in this pathway are placed on a team within one of several departments, based on business need. You'll gain broad exposure to how New York Life operates by working closely with professionals across the organization to support projects that enhance operations and inform strategy. Projects may include: Supporting pilots and new initiatives designed to improve operations and customer experience Documenting and refining business processes to create more efficient workflows Analyzing data to identify trends, pain points, and opportunities for improvement Developing presentations and reports that communicate insights and recommendations to stakeholders This pathway is ideal for students who want to understand the inner workings of a large organization, are curious about how business operations connect to strategy, and enjoy using data and collaboration to solve real-world problems. What You'll Bring: Must be enrolled at an accredited 4-year university or college with anticipated graduation date between December 2026 and May 2028. Preferred Skills: Strong analytical and problem-solving abilities Proficiency in Microsoft Excel and PowerPoint; familiarity with tools like Tableau or other reporting platforms a plus Strong written and verbal communication skills Detail-oriented with strong organizational and project management abilities Ability to manage multiple priorities and work collaboratively in a team environment Coursework or interest in business, operations, management, or related fields Innovative mindset with strong critical thinking and problem-solving skills Prior internship experience preferred, but not required Additional Details: Internship applications will only be accepted through December 31st, 2025. Candidates will be considered on a rolling basis and notified by the end of January if selected to interview. Interns are expected to work for the duration of the 10-week internship. To be eligible for this program, you must be authorized to work in the U.S. We do not offer any type of employment-based immigration sponsorship for this program. Likewise, this program is not available to those authorized to work under optional practical training (OPT) or curricular practical training (CPT). Curious what it's like to intern at NYL? Check out #NYLEarlyCareers on LinkedIn! #LI-MW1 #ECA #LI-CV1 Salary range: $25/ hour Overtime eligible: Nonexempt Discretionary bonus eligible: No Sales bonus eligible: No

Hours: 40 Pay Details: $56,160 - $83,720 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: TD Wealth Job Description: The Private Client Specialist I acts as sales and relationship support for Relationship Managers and Investment Advisors who serves clients in the high-net-worth segment, supporting banking, lending, and High Net Worth Investing. The PCS I is primarily responsible for the onboarding process for clients, focusing on the timely and accurate initiation, transfers and communication about new account openings and fundings. The PCS I will be expected to participate in basic financial planning discussions and client relationship reviews. This role will support other team members (Relationship Managers, Trust Advisors, or Investment Advisors) and provide consistent and accurate administrative, analytical, and service support. Depth and Scope: * Demonstrates a commitment to being customer-centric by ensuring a legendary service is provided during every customer interaction to maximize retention and growth * Under supervision, demonstrates competence executing tasks on required platforms (Private Banking, Investments and Trusts) * Handles complex financial transactions where products and services are highly competitive * Is competent using financial planning software * May act as a subject matter expert to Sales Support team * Coordinates with relationship mangers to ensure that all new clients receive the complete onboarding experience. This includes a thorough client discovery, an introduction to the IA and TA as per client need, and the completion of all requisite client profiling documents * Assists in deepening wallet share by anticipating client needs and suggesting the most appropriate banking, lending and/or investment solutions; maximizes profitability, while ensuring the client receives an exceptional client experience * Leverages and coordinates specialists (Taxes, Trust and Estate) to provide interdisciplinary expertise for our most complex clients * May act as primary contact for client relationships with regards to portfolio information and basic financial planning * May resolve more difficult Client issues, problems, and requests * Identifies opportunities within the portfolio to seek ways to Retail, Commercial and other Wealth Partners * Executes in a manner that is compliant with regulations, policies, and procedures * Adheres to all federal, state, SRO regulations and Firm policies related to all business activities (e.g., OCC, SEC, FINRA etc.); ensures all Continuing Education requirements are attained * Responsible for understanding and adhering to TD Wealth FCRM/ATF Policies and Procedures * Responsible for implementing TD's Customer Identification Program (CIP) by collecting and verifying required customer identification information and performing other Customer Due Diligence and Enhanced Due Diligence Requirements as outlined in the Business Unit FCRM procedures * Contributes individually and as a team member, to ensure strong performance, collaboration and enthusiasm that sets TD Wealth apart from our competitors * Represents TD Wealth to the public in a professional manner * Is involved in your community and supports TDBG charity and community initiatives * Ensures service to external clients and/or internal clients reflects TDBG standards and guiding principles * Through proactive communication (verbal/written), supports the assigned team members in meeting service commitments to clients * Provides consistent and accurate administrative support to assigned team members including filing, report generation, presentation material, written proposals, and spreadsheet reporting * Efficiently manages and promptly responds to all incoming inquiries/requests for information independently/or direct to appropriate person or area * Completes all applicable specialized training * Performs necessary duties to assist assigned team members with all aspects of account administration, retention, specialized services, and other responsibilities in accordance with wealth management area of specialization * Maintains various databases and computer systems by entering transactional and other data, updating information as necessary and ensuring data accuracy; creates reports summarizing information, as required * Guides and directs others as necessary; acts as a specialist resource to support all wealth management areas * Keeps others on the team informed about status of account administration, retention, and projects * Completes assigned administrative/Client service tasks within policy and operating procedures * Identifies and recommends technological/process improvements which may improve overall productivity and Client satisfaction Education and Experience: * Bachelor degree preferred * Internal candidates: 3+ years of experience working with TD's client platforms required * Series 7, 63/65 or 66 registrations required. Candidates may be considered should they have at least one of the required registrations. If hired, candidate will need to acquire all licensing within a defined period outlined at the time of hire * Knowledge of investments, banking and credit products preferred * A self-starter, ability to work with minimal supervision * Ability to excel at administration and be exceptionally well organized * Demonstrates considerable initiative in providing a high level of organization * Experience in professional services and with working with affluent clients is required. Knowledge of MS Word, Excel, PowerPoint and working with Contact Management databases is essential * Possess a reasonable knowledge of investments, and can generate reports pertinent to the management of client investment portfolios; however, prefers to focus on administration in a support role * Demonstrates ability to manage multiple responsibilities and timelines * Proven track record of delivering results and executing with excellence * Excellent written and verbal communication skills * Criminal and financial background investigation is required pursuant to FINRA Rule 3010(e) and successor regulations 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Join a high-impact team supporting the servicing of commercial real estate loans across New York City's five boroughs - including Manhattan, Brooklyn, Queens, the Bronx, and Staten Island. As a Loan Operations Specialist, you'll play a critical role in managing the full lifecycle of complex CRE and syndicated loans, ensuring accuracy, timeliness, and compliance in all aspects of loan setup, payment processing, and reconciliation. This is an excellent opportunity for recent graduates with a foundation in accounting or finance, and a strong interest in real estate lending operations. We offer hands-on training in CRE servicing and exposure to high-value transactions in a fast-paced, collaborative environment. Key Responsibilities: Loan Setup & Maintenance: Accurately input and maintain loan data for new originations, modifications, renewals, and refinances. Set up syndicated loans and manage participation payments - whether we're the lead lender or a participant. Issue payoff letters and manage loan payoffs, including construction and participation loans. Payment Processing & Reconciliation: Process daily mortgage payments (~$30M/month) and reconcile general ledger entries. Manage escrow payments, interest rate adjustments, principal advances, and late charges. Verify payment amounts, reconcile discrepancies, and ensure timely deposits. Reporting & Compliance: Run daily loan accounting system reports and reconcile assigned general ledger accounts. Prepare wire transfers and manage unapplied funds and suspense accounts. Maintain audit-ready documentation and support internal/external audit requests. Client & Team Support: Collaborate with Relationship Managers and other departments to provide requested documentation. Communicate with other institutions to resolve payment differences on syndicated loans. Education and Experience Required: A combined minimum of 2 years' higher education and/or work experience Education and Experience Preferred: Early Career Professionals Welcome: Recent college graduates with internship experience or exposure to accounting, finance, or real estate are encouraged to apply. Document Familiarity: Experience working with loan documents or title companies is a plus. CRE-specific knowledge is not required - we'll train you! Detail-Oriented & Organized: Ability to manage multiple transactions and deadlines with precision. Working Model/Office Location: This is a hybrid position currently requiring two days in office per week. Eligible candidates must live within reasonable commuting distance to 250 Park Avenue, New York, NY 10177. Required Availability: Monday-Friday, 8:30am-5:30pm Why Join Us? Be part of a specialized team managing high-value NYC commercial real estate loans. Gain exposure to syndicated lending and complex CRE transactions. Work in a collaborative, inclusive environment that supports career growth and development. Contribute to a team that values accuracy, integrity, and client service. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.79 - $37.99 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationNew York, New York, United States of America

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:** **Job Summary:** The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. **Depth & Scope:** + Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others + Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members + Scope of role may have enterprise impact + Focuses on short to medium - term issues (e.g. 6-12 months) + Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise + Oversees and/or independently performs tasks from end-to-end + May interact with any hierarchy level up to executive leaders and external vendors **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 **Customer Accountabilities:** + Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs + Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience + Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business + Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate + Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations + Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution + Provides day-to-day support and delivery of analytics **Shareholder Accountabilities:** + Represents functional area as a business insights & analytics specialized expert + Synthesizes complex and vast amount of information and translates into actionable insights and strategy + Builds business requirements and facilitates project execution to develop insights + Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value + Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers + Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly + Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand + Provides business explanation for anomalies/outliers identified during analysis + Works with business functions and analytics teams to transition business requirements to analytics requirements + Trains business users on how to integrate analytics into decisions + Leverages knowledge of data capabilities to build and deliver insights + Develops analysis to corroborate initial proof of concept + Executes on data requests accurately and within a timely manner + Identifies and investigates data/analytics related issues + Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + 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 - 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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Hours: 40 Pay Details: $115,440 - $186,160 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: Department Overview: ORM Lead Business Insights Specialist, Stress Testing & Scenario Analysis will serve as a key resource leading ORM's stress testing and scenario analysis program. This role requires ability to execute advanced quantitative modeling along with managing high-stakes regulatory governance. The Lead Business Insights Specialist acts as an advisor to business leaders and stakeholders. This role provides comprehensive analytical support, interpretation of complex data, BI or analytics outcomes to generate multidimensional insights that drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. Depth & Scope: * Generally accountable for a significant business or area that has cross business or enterprise-wide impact or accountability * Enterprise domain/functional 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 * Typically deals with senior/executive management * Focuses on longer-range planning for functional area (e.g. 12 months or greater) * May manage and prioritize multiple projects at a given time * May interact with any hierarchy level up to executive leaders and external vendors Primary Accountabilities: * Regulatory Execution: Lead the end-to-end delivery of the ORM Stress Testing Program, ensuring all regulatory requirements for operational risk losses and capital are met within required timelines. * Scope: Manage the execution of: * US Regulatory: Dodd-Frank Act Stress Testing (DFAST) and Comprehensive Capital Analysis and Review (CCAR). * Canadian Regulatory: OSFI Macro Stress Test (MST). * Internal: Annual Enterprise-wide Stress Test (EWST) and ad-hoc requests. * Scenario Analysis: Lead the development and implementation of the Scenario Analysis program, ensuring alignment with enterprise standards and regulatory requirements. * Methodology & Documentation: Aid in the development and execution of the methodology, procedures, and documentation for operational risk stress testing programs. * Collaboration: Partner extensively with key stakeholders to ensure program success, including Model Development and Model Validation, ORM Internal Loss Event Data team, Enterprise Capital Stress Testing, US CCAR Governance team, Finance, Regulators, and External Consultants * Advanced Analytics: Utilize Python to handle large datasets and apply modeling techniques such as Loss Distribution Approach (LDA), Regression Modeling, and Scenario Analysis to forecast losses. * Process Automation: Design and deploy Power Automate flows to streamline data collection from stakeholders (e.g., Scenario Analysis workshops) and automate approval workflows. * Reporting & Visualization: Build and maintain Power BI dashboards to visualize stress test results and scenario impacts for senior management and the US CCAR Governance team. Preferred Qualifications: * 5+ years of experience in stress testing (CCAR/DFAST), operational risk modeling, or capital planning. * Experience with OSFI (Canada) regulatory requirements is a strong asset, in addition to US Fed requirements. * Master's degree in a quantitative discipline (Finance, Statistics, Economics, Data Science). * Proficient in data manipulation (Pandas) and statistical modeling. * Advanced skills in Power BI (reporting) and Power Automate (workflow optimization). * Deep understanding of operational risk capital methodologies (LDA, Monte Carlo, Frequency/Severity modeling). * Proven ability to manage regulatory relationships and defend methodologies to Model Validation and Audit. * Strong leadership skills to oversee a focused team of professionals. 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; * 7+ year of relevant experience; higher degree education and research tenure can be counted Customer Accountabilities: * Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs * Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience * Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business * Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate * Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations * Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution * Provides day-to-day support and delivery of analytics Shareholder Accountabilities: * Represents functional area as a business insights & analytics specialized expert * Synthesizes complex and vast amount of information and translates into actionable insights and strategy * Builds business requirements and facilitates project execution to develop insights * Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value * Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers * Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly * Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand * Provides business explanation for anomalies/outliers identified during analysis * Works with business functions and analytics teams to transition business requirements to analytics requirements * Trains business users on how to integrate analytics into decisions * Leverages knowledge of data capabilities to build and deliver insights * Develops analysis to corroborate initial proof of concept * Executes on data requests accurately and within a timely manner * Identifies and investigates data/analytics related issues * Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) * Leads/facilitates and/or implements actions/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 - 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. #LI-AMCBCorporate 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

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: Job Summary: The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. Depth & Scope: * Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others * Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members * Scope of role may have enterprise impact * Focuses on short to medium - term issues (e.g. 6-12 months) * Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise * Oversees and/or independently performs tasks from end-to-end * May interact with any hierarchy level up to executive leaders and external vendors 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 Customer Accountabilities: * Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs * Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience * Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business * Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate * Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations * Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution * Provides day-to-day support and delivery of analytics Shareholder Accountabilities: * Represents functional area as a business insights & analytics specialized expert * Synthesizes complex and vast amount of information and translates into actionable insights and strategy * Builds business requirements and facilitates project execution to develop insights * Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value * Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers * Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly * Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand * Provides business explanation for anomalies/outliers identified during analysis * Works with business functions and analytics teams to transition business requirements to analytics requirements * Trains business users on how to integrate analytics into decisions * Leverages knowledge of data capabilities to build and deliver insights * Develops analysis to corroborate initial proof of concept * Executes on data requests accurately and within a timely manner * Identifies and investigates data/analytics related issues * Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) * 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 - 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Responsibilities include, but are not limited to: Work with Deposit Services, Digital Channels, Information Services, Accounting, Fraud, BSA/AML, Vendors and Clients to resolve any processing, reconcilement discrepancies, and REG E disputes. Reconcile Zelle General Ledger accounts, process adjustments, returns and recoveries. Utilize the Fiserv - Valley tools that support Zelle processing and disputes (Compass, SPC, IPS, TRECS, etc.). Conduct complex research and resolve all requests timely. Resolve inquiries and disputes with the purpose of identifying and reporting potential suspicious activity to CFIS.

Responsibilities include, but are not limited to: * Work with Deposit Services, Digital Channels, Information Services, Accounting, Fraud, BSA/AML, Vendors and Clients to resolve any processing, reconcilement discrepancies, and REG E disputes. * Reconcile Zelle General Ledger accounts, process adjustments, returns and recoveries. * Utilize the Fiserv - Valley tools that support Zelle processing and disputes (Compass, SPC, IPS, TRECS, etc.). * Conduct complex research and resolve all requests timely. * Resolve inquiries and disputes with the purpose of identifying and reporting potential suspicious activity to CFIS. Required Skills: * Must have excellent Customer Service and interpersonal skills. * Ability to work in a fast-paced environment. * Self-starter. * Strong time management skills and ability to prioritize tasks. * Ability to learn and comprehend new system processes. * Reliability, flexibility, professional etiquette and sound judgement are important. * Must be computer proficient. * Must be able to review and analyze data reports and manuals; must be computer proficient. * Must be able to communicate effectively via telephone and in person. * Proven ability to work cooperatively but also assume administrative responsibilities. * Ability to learn and comprehend new system processes. Required Experience: * High school diploma or GED with a minimum of 3 years' experience in electronic payments (Wires, ACH, ATM, etc.) or cash management. * Experience in banking, particularly in EFT or operations areas. * Strong Accounting/Reconciliation background and/or experience with dispute - resolution is preferred.

Responsibilities include but are not limited to: Manage list of Panel and approved law firm relationships with Valley. Serve as a key liaison between law firms, internal stakeholders, and third-party vendors. Act as subject matter expert for Valley's current e-billing system (LegalTracker). Updating information in our matter management system (Legal Tracker) and various excel spreadsheets to reflect the status of each case and project. Oversee all phases of the EDRM (Electronic Discovery Reference Model), including identification, preservation, collection, processing, review, and production of electronically stored information (ESI). Monitor the budget by creating dashboards and reports on outside counsel/third-party vendor spend; working with Finance and stakeholders to ensure accurate budget controls. Prepare status reports monthly or as needed, pertaining to outside counsel/vendor expenses; analyze actual and projected costs vs. budgeted amounts, including breakdown of costs by applicable categories. Develop and manage department processes, policies, procedures, and tools. Develop and implement best practices, workflows, and quality control protocols to ensure defensibility and efficiency. Manage and maintain sensitive documents with a high level of discretion. Act as a strategic and trusted partner in the legal team and across business functions. Provide notary services as needed.

Responsibilities include but are not limited to: * Manage list of Panel and approved law firm relationships with Valley. Serve as a key liaison between law firms, internal stakeholders, and third-party vendors. * Act as subject matter expert for Valley's current e-billing system (LegalTracker). Updating information in our matter management system (Legal Tracker) and various excel spreadsheets to reflect the status of each case and project. * Oversee all phases of the EDRM (Electronic Discovery Reference Model), including identification, preservation, collection, processing, review, and production of electronically stored information (ESI). * Monitor the budget by creating dashboards and reports on outside counsel/third-party vendor spend; working with Finance and stakeholders to ensure accurate budget controls. Prepare status reports monthly or as needed, pertaining to outside counsel/vendor expenses; analyze actual and projected costs vs. budgeted amounts, including breakdown of costs by applicable categories. * Develop and manage department processes, policies, procedures, and tools. Develop and implement best practices, workflows, and quality control protocols to ensure defensibility and efficiency. * Manage and maintain sensitive documents with a high level of discretion. * Act as a strategic and trusted partner in the legal team and across business functions. * Provide notary services as needed. Required Skills: * Experience in paralegal and/or legal operations roles, preferably in the banking, wealth management, or finance sectors. * Experience in e-Discovery platforms. * Proven ability to design and implement legal department processes and legal technology systems. * Experience in managing and coordinating law firm relationships. * Strong knowledge of corporate governance, contracts, and legal processes. * Skilled in Microsoft Office Suite, legal research platforms (e.g., Westlaw, LexisNexis), and contract management tools. * Familiarity with legal spend analytics and financial reporting tools. Required Experience: * High School diploma * Minimum of 5 years experience working in public company reporting environment, legal compliance, and cross-functional legal support in an in-house legal department at a bank. Will consider experience with banking matters at a medium to large law firm with banking clients and/or in-house legal department in other industries. Preferred Experience: * Bachelor's degree

Responsibilities include but are not limited to: Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Actively collaborates with other lines of business to ensure the clients specific needs are met. Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitor outstanding loans and take necessary collection actions on past dues. Educates the borrower on business line process, structure, and set expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. Recommends approval of customer applications for commercial loans.

Responsibilities include but are not limited to: * Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. * Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. * Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). * Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. * Actively collaborates with other lines of business to ensure the clients specific needs are met. * Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. * Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. * Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. * Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. * Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. * Monitor outstanding loans and take necessary collection actions on past dues. * Educates the borrower on business line process, structure, and set expectations. * Analyzes, determines eligibility, originates, and structures loan requests. * Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. * Recommends approval of customer applications for commercial loans. Required Skills: * Excellent interpersonal skills and written and verbal communication skills. * Ability to calculate figures and amounts such as discounts, interest and percentages. * Ability to work independently, manage multiple projects and meet deadlines. * Ability to prioritize and organize assignments while working on multiple projects simultaneously. * Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs, such as Sales Force. Required Experience: * High School diploma or GED with a minimum of 3 years of related bank lending sales experience or a combination of sales/credit analysis experience. * Bachelor's degree in Business, Accounting or Finance with a minimum of 3 years of bank lending sales experience and a minimum of 1 year of credit analysis experience is preferred.