TD Bank jobs in Jacksonville, FL

Hours: 40 Pay Details: $91,000 - $136,240 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: Governance & Control Job Description: The Governance & Control Manager manages governance and control efforts to enable the business to identify, understand and manage risk. This person will support the business in managing those risks and risk-based programs appropriately in alignment with the Bank's strategy and risk appetite. The Manager will be responsible for the analysis, assessment and reporting of risks and ensure an integrated approach with other business governance and control function areas, the broader organization, and enterprise control functions. Please note this position is hybrid and will require an in office presence 4x per week in either our Greenville SC, Jacksonville FL, Portland ME, Mount Laurel NJ, or Wilmington DE offices Depth & Scope: * Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required * Leads and manages a team of professionals for a diverse group set of G&C functions in an area of moderate risk, complexity or scope, while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results * Presents and makes recommendations to senior management and executives * Ensures an integrated approach with other business areas, broader organization, and enterprise as appropriate * Coordinates and prioritizes multiple initiatives and manages resource allocation * Establishes effective relationships with different Stakeholders, Business Sponsors, Executives and LOB * Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise * Deep knowledge and understanding of businesses/technology, and organizational practices/disciplines * Focuses on medium-term planning and business issues (e.g. 6-12 months) Education & Experience: * Undergraduate degree preferred * 7+ years of relevant experience * Advanced business understanding and knowledge of risk and control functions * Advanced knowledge of governance, risk and control procedures, strategies & tactics * Knowledge of risk management environment, standards, regulations and mitigation * Knowledge of current and emerging trends * Skill in managing budgets and resource allocation * Skill in mentoring, coaching and performance management * Skill in using analytical software tools, data analysis methods and reporting techniques * Skill in using computer applications including MS Office * Ability to lead, plan, implement and evaluate program/project activities to ensure completion * Ability to communicate effectively in both oral and written form * Ability to work collaboratively and build relationships across teams and functions * Ability to work successfully as a member of a team and independently * Ability to exercise sound judgement in making decisions * Ability to analyze, organize and prioritize work while meeting multiple deadlines * Ability to process and handle confidential information with discretion * Ability to establish goals and objectives that support the strategic plan * Ability to contribute to strategic direction of the strategic initiatives and projects Customer Accountabilities: * Develops, communicates and implements a holistic governance and control strategy for own specific business function in support of and integrated with the overall business strategy * Manages and plans activities that require alignment across multiple areas * Leads the implementation of regulatory change management and provides guidance to the team in the development and/or integrated implementation of policies/procedures/changes across multiple business/functional areas * Leads partnership with management and respective teams for area of specialization with industry, enterprise, and business awareness; recognizing and anticipating emerging trends and; identifying issues and opportunities and recommending actions to senior management * Ensures all administration, control and compliance activities are complete and accurate to meet targets for own area * Ensures an integrated and aggregated view of all related business risk and control activities across the overall function providing escalations, recommendations, and decision support to leadership * Forecasts programs/initiatives and demand, and coordinates prioritization of the portfolio/initiatives with key stakeholders * Provides functional/business level communications to ensure messages to stakeholders and/or employees are consistent, appropriate and aligned to business risk strategies and executive management direction * Provides direction to complex, wide-ranging enterprise or cross-function/business projects as a SME and participates in designing, testing, and implementation of solutions Shareholder Accountabilities: * Works closely with senior management to develop business plan, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale * Leads interface and relationships with corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements * Assesses/identifies key issues and escalates to appropriate levels and relevant stakeholders and business management where required * Identifies, mitigates and reports on risk issues per enterprise policy/guidance and ensures appropriate escalation processes are followed * Ensures business operations are in compliance with applicable requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) * Leads or contributes to cross-functional/enterprise initiatives as a SME helping to identify risk/provide guidance for complex situations * Manages oversight process, risk-based identification and monitoring of related risks and regulatory compliance across the supported functions, while ensuring key controls and processes are effectively managed * Oversees or leads the facilitation and/or implementation of action/remediation plans to address performance/risk/governance issues * Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary * Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: * Responsible for management of the overall team providing both leadership, guidance, and expertise; ensures team adheres to enterprise frameworks and methodologies * Supports team in staying knowledgeable on emerging issues, trends and evolving regulatory requirements and assesses potential impacts to the Bank * Leads a high-performing team; provides ongoing feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees * Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner * Manages employees in compliance with all human resources policies, procedures and guidelines of conduct * Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes * Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives * Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives * Acts as a brand ambassador for your business area/function and the Bank 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.

You're stepping into a fantastic opportunity with New York Life as a Life Insurance Sales Agent. Here, you'll not only enhance your skills in life insurance but also have the chance to expand into retirement and investment planning. We're looking for a committed professional who thrives on achieving goals and delivering exceptional customer service. If you have a knack for connecting with people and superior prospecting skills, you're poised for success in this role. This is your chance to kickstart a rewarding career, building meaningful relationships and making a significant impact. You'll be in business for yourself, but never by yourself, with the full support and backing of a company with over 170 years of industry success. At New York Life, we pride ourselves on our inclusive culture and commitment to professional growth. You'll enjoy comprehensive benefits, including health, vision, and dental insurance, 401(k) matching, and ongoing training and education. Our outstanding company culture ensures you're part of a supportive team that values both your personal and professional development. We empower our agents to build a strong financial future for themselves and their clients, backed by our proven track record of excellence and financial strength. If you're ready to embark on this journey, let's make a difference together. Cultivate and maintain strong relationships with clients, ensuring their financial security and peace of mind. Identify and assess clients' needs to tailor life insurance solutions that align with their goals. Engage in proactive outreach to potential clients, expanding your network and growing your client base. Provide expert guidance on retirement and investment planning, empowering clients to make informed decisions. Collaborate with team members to share insights and strategies, fostering a supportive and growth-oriented environment. Stay informed about industry trends and product offerings to deliver the most relevant and up-to-date advice. Conduct regular reviews with clients to adjust their plans as needed, ensuring ongoing satisfaction and trust in our services. Experience in sales or customer service, with a focus on building lasting client relationships. Ability to assess clients' financial needs and tailor life insurance solutions accordingly. Proven track record of achieving sales targets and expanding client networks. Strong communication skills to provide clear, expert guidance on retirement and investment planning. Ability to work independently while collaborating effectively with team members. Commitment to staying informed about industry trends and product offerings. Proficiency in conducting regular client reviews to ensure satisfaction and trust in services provided.

Southfield, Michigan, United States of America **Hours:** 40 **Pay Details:** $68,640 - $102,960 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:** Risk Management **:** **Job Description Summary** The Risk Portfolio Analyst III provides skilled analytical research, analysis, and project-oriented support. Analyzes the quality of key risk components of assigned retail credit portfolios. Provides analysis of portfolio risks and makes recommendations to Senior Management regarding the direction of future lending activities. Interacts with external accountants and regulators; the Federal Reserve, Office of Controller of Currency (OCC), and Office of the Superintendent of Financial Institutes (OSFI) and interacts with Risk and Analytical professionals at TDCT and TDBFG. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Risk Portfolio Analyst is responsible to effectively manage, monitor and control risk of the retail lending segments within TD Bank. **Depth & Scope:** + Performs functions noted for Risk Portfolio Analyst II + Manages complex analytical initiatives and interacts with TDCT Risk and Retail Lending lines of businesses + Works independently and interacts with internal/external accountants, auditors and bank regulators + Directs credit activities relating to risk exposure, credit policy, and credit underwriting changes to Senior Money-out Executives + Mentors junior level analysts + Oversees the retail credit portfolio analysis in support of financial, regulatory and risk management requirements + Provides guidance and assists staff with most complex aspects of work as necessary + Shares knowledge with others in the group + Contributes to and supports achievement of department/business unit goals + Acts as subject matter expert in assisting the Manager of Risk Analytics during the analysis for the US Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios + Acts as a lead in other risk management related duties or special projects and performs additional duties as necessary + Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio + Supports results of analytical initiatives on portfolio modeling (including Basel), Stress Testing, migration analysis, and Allowance for Loan and Lease Losses (ALLL) + Develops analytical white papers for assigned portfolio considering current economic environments + Forecasts impact to assigned portfolio + Determines risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs + Establishes oversight of business lines compliance/risk controls and periodically evaluates risk mitigation efforts to make adjustments as risk/department influences change + Ensures TD Bank maintains successful audits and exams within all areas **Education & Experience:** + Bachelor's degree required, Graduate Degree preferred or progressive work experience in addition to experience below + 7 Years of related experience + Strong PC skills including proficiency in a variety of PC-based analytical and reporting software packages + In depth knowledge of portfolio analysis techniques and processes + Extensive analytical skills and practical knowledge of descriptive statistics + Excellent research skills required for industry analysis + Excellent written and verbal communication skills + Experienced in presenting to Senior Executives and Board of Directors **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: $22.00 - $27.75 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: Personal & Commercial Banking Job Description: The Banking Associate is a professional in banking, plays a key role in delivering TD's Brand promise at a store location. This role is accountable for accurately completing everyday banking transactions and providing advice and educational support on services, products, and tools to help Customers achieve their financial goals. Depth & Scope: * Performs a wide range of tasks across multiple areas within a Store location; to include processing customer transactions, opening new accounts and educating customers on all banking products and services * Delivers end-to-end advice customers expect: (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating with proactive insights & recommendations * Utilizes TD's systems and tools to engage with Customers to acquire and deepen relationships by providing advice and guidance to ultimately attract, and retain the customer * Understands customer financial needs to identify opportunities to promote and educate on products, services, and/or refer them to the appropriate team member or internal Bank partner, while ensuring a positive customer experience * Accurately completes everyday banking transactions either on the teller line or on the platform while uncovering customer financial needs and educating on products, services and tools or referring to the appropriate expert * Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking * Connects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization Education & Experience: * High school diploma or GED * 1 year experience working with customers in any capacity and can be demonstrated through any of the following: volunteering, education, military experience preferred * Demonstrated Customer Service skills preferred * Ability to work during operating hours to include evenings, weekends and holidays as scheduled * Teller experience preferred * Required to complete Teller training and part 1 of platform training upon hire * Strong organization skills to handle multiple tasks in a fast-paced environment * Excellent communication skills with ability to be concise, clear and consistent * Demonstrated effective problem-solving skills * Demonstrated ability to schedule and prioritize work * Demonstrated ability to work independently and within deadlines * Sound judgment in decision making and problem solving * Proficient in Microsoft Office * Notary License preferred Customer Accountabilities: * Consistently provides legendary customer service while transacting, promoting, educating and referring TD Products to new and existing customers * Establishes and nurtures customer relationships by consistently displaying product knowledge, actively listening to customer needs while engaging in additional conversations to identify any additional needs and offer a solution or partner referral * Manages wait times to meet with a Banker by scheduling, rescheduling or canceling client meetings * Engages in lobby leadership and represents the first point of contact for customer inquiries and helps to orchestrate the customer walk-in traffic and can be the first point of contact for customer resolution or to make appointments to see an expert * Understands and supports the Bank's customer service strategy * Considers the impact of decisions on the well-being of TD, its customers and stakeholders * Drives referrals to Store colleagues and partners to support the broader more complex financial needs of customers * Ensures tasks are performed within established policy and procedures * Successfully completes all required job specific, compliance-related training * Understands, utilizes and follows compliance/risk and control programs * Ensures ongoing compliance with internal/external audit and regulatory requirements. Provides prompt and comprehensive responses to all external audit, regulator and compliance requests and findings. Maintains appropriate records of action plans * Is knowledgeable of and complies with TD Code of Conduct Shareholder Accountabilities: * Ensures compliance when completing operational activities in accordance with company guidelines and regulations such as Bank Secrecy Act and Patriot Act to minimize risk and protect the customer * Accurately processes cash/deposit/withdrawal transactions and other account servicing requests * Decisions & processes everyday transactions such as but not limited to opening/closing, servicing accounts, depositing or cashing checks, reordering a debit card, or updating address * Ensures compliance with all regulations, policies and procedures adhering to required controls, critical dates and accurate documents * Applies customer authentication principles, compliance regulations and due diligence to new account openings and transactions * Accurately and efficiently performs transactions as accountable for cash drawers including maintaining cash limits and securing cash drawers/stations/balances out cash drawer and TCR * Follows policy and procedure for Customer Authentication * Acts as Dual Control agent when required * Follows all required open/close procedures Employee/Team Accountabilities: * Contributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of * the team * Be an active participant in personal performance and development activities * Acts as a brand champion both internally and externally * Collaborates with team members in contributing to the success of the team and organization * Partners as a team player * Actively seeks opportunities to improve delivery of work with high attention to quality standards * Actively takes ownership of own career and aspirations. Seeks out diverse feedback to continuously develop and enhance skills * Positively embraces change * Adheres and participates in TD's Shared Commitments * Models quality service at every Customer interaction * Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience * May train and act as a mentor to newer colleagues Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel - Occasional International Travel - Never Performing sedentary work - Frequent Performing multiple tasks - Continuous Operating standard office equipment - Continuous Responding quickly to sounds - Continuous Sitting - Frequent Standing - Frequent Walking - Frequent Moving safely in confined spaces - Occasional Lifting/Carrying (under 25 lbs.) - Occasional Lifting/Carrying (over 25 lbs.) - Occasional Squatting - Occasional Bending - Occasional Kneeling - Occasional Crawling - Occasional Climbing - Occasional Reaching overhead - Occasional Reaching forward - Occasional Pushing - Occasional Pulling - Occasional Twisting - Occasional 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: Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank. Develop network of external referral sources/centers of influence (COI's) in order to attract new clients. Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio. Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality. Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.

Jacksonville, Florida, United States of America **Hours:** 40 **Pay Details:** $72,280 - $108,160 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:** Governance & Control **Job Description:** The Senior Governance & Control Analyst-Issues Governance provides specialized business governance and control guidance and support for a business or functional area and implements policies/processes and/or initiatives to meet business governance and control objectives. May provide complex reporting, analysis, testing and assessments at the functional or enterprise level and is generally a lead or SME for a given area/function. **Depth & Scope:** + SME level professional role requiring in-depth business knowledge/expertise in own domain/field of specialty and working knowledge of broader related areas + Integrates the broader organizational context into advice and solutions within own area + Understands a certain aspect of the industry, competition and the factors that differentiate the organization + Applies best practices to implement process, product or service improvements + Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs + Contributes to setting standards within area of expertise + Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders + Uses advanced methods to contribute to new solutions and recommend standards against which others will operate + Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels + Works independently as a SME or lead and guides others within area of expertise **Education & Experience:** + Undergraduate degree preferred + Broad and deep knowledge of business and risk and control environment + 5+ years of relevant experience + Proficient knowledge of governance, risk and control procedures, strategies & tactics + Proficient Knowledge of current and emerging trends + Skill in mentoring/ coaching others + Skill in using analytical software tools, data analysis methods and reporting techniques + Skill in using computer applications including MS Office + Ability to communicate effectively in both oral and written form + Ability to work collaboratively and build relationships + Ability to work successfully as a member of a team and independently + Ability to exercise sound judgment in making decisions + Ability to analyze, research, organize and prioritize work while meeting multiple deadlines + Ability to process and handle confidential information with discretion **Preferred Qualifications:** + Experience in Governance and Control risk + Experience in Issues Governance/Management + Experience in Excel and/or Sharepoint **Customer Accountabilities:** + Provides specialized business governance and control related advice/support to management/leadership and respective teams for area(s) of specialization + Leads on the implementation of governance and control initiatives in support of the overall business/function strategy + Manages a set of business governance and control work activities requiring coordination across multiple areas + Reviews processes and controls and connects the dots across issues and control deficiencies in order to increase standardization of solutions, processes and controls + Supports/manages the integrated implementation of policies/processes/procedures/changes across multiple functional areas + Provides subject matter expertise to projects/initiatives, and participates in identifying, designing and testing solutions and supporting implementation activities **Shareholder Accountabilities:** + Ensures programs/policies/practices are well-managed, meet business needs/priorities, and comply with internal/external requirements + Exercises discretion in managing communication/correspondence, information and all matters of confidentiality + Conducts research projects; supports the development/delivery of materials and presentations to management or broader audience + Adheres to enterprise frameworks or methodologies that relate to activities for own business area + May lead work streams by acting as a project lead/SME for medium-scale projects/initiatives in accordance with project management methodologies + Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite + Is knowledgeable of and complies with Bank Code of Conduct **Employee/Team Accountabilities:** + Participates as a member of the team, supports a positive work environment and ensures timely communication + Supports team by regularly enhancing knowledge/expertise in own area and participates in knowledge transfer + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Keeps others informed about the status/progress of projects + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices + Contributes to a fair, positive and equitable environment + Acts as a brand ambassador for your business area/function and the Bank **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 with small business clients (-$5MM in revenue size) designed to generate new deposit, loan, treasury and other fee income and related business for the line of business while meeting any of the Bank's assigned and/or prospective business customers' needs. Manages relationships with small business banking clients through a consistent process of outreach, nurturing and growth. Establishes strong referral network and relationships with 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 to Business Banking and Middle Market, treasury management, Highland Capital, FiServ and ADP, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintain professional network relationships and strengthen community ties. Serves on CRA Board or committee to help strengthen communities and meet Bank's CRA objectives. Interview loan applicants, completing applications and gathering required documentation in order to have a full understanding of the customer's financial picture. Educates the borrower on business line process, structure, and set expectations.

New York, New York, United States of America **Hours:** 40 **Pay Details:** $119,110 - $193,550 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:** Audit **Job Description:** The Senior Audit Manager is accountable for providing specialized in-depth audit expertise and responsible for contributing to the planning, risk assessment and execution of audits and related processes enterprise and/or division wide. **Depth & Scope** + Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required + May support audits for a particular business, function or project as a subject matter expertise + Highly specialized expert with in-depth knowledge to manage audits for multiple, significant complex businesses, functional areas and/or global business lines + Directs, oversees, plans and executes efficient and effective audits to ensure appropriate coverage for areas of expertise + May leads and execute audits and has an overall responsibility for the completion of the audit + Evaluates internal and external risks for assigned business lines + Communicates recommendations and process improvements to management in area(s) of expertise + Monitors business line projects + May contribute to, and/or review, area(s) of expertise in the final audit report following CAE review and approval + Provides meaningful recommendations to audit procedures and programs + Completes Post Audit Feedback Form for self + Communicates status and escalate issues + Clears review notes following each review + Participates in post-audit critique meeting + Participates in completion of the quarterly Control Dashboard process + Reviews reports from QA team, peer reviews and Regulator feedback and makes necessary enhancements, as required + Contributes to completion of the annual RAP and Annual Audit Plan for assigned area(s) + Key member in Centers of Excellence + Participates in continuous monitoring/call program + May participates on or leads various projects/ division initiatives as needed + Demonstrates TD leadership Core Values + Recognizes team members' contributions + Strong presentation skills when delivering training and presentation at the division level, industry conferences, workshops, etc. **Education & Experience:** + Undergraduate degree required + 10+ years of relevant experience \#LI-AMCBCorporate **Travel** **Domestic Travel:** Frequent 34-66% **International Travel:** Never 0% **Physical Requirements** **Performing multiple tasks:** Continuous 67-100% **Operating standard office equipment:** Continuous 67-100% **Responding quickly to sounds:** Occasional 1-33% **Sitting:** Continuous 67-100% **Standing:** Occasional 1-33% **Walking:** Occasional 1-33% **Moving safely in confined spaces:** Occasional 1-33% **Lifting/Carrying (under 25 lbs.):** Occasional 1-33% **Lifting/Carrying (over 25 lbs.):** Never 0% **Squatting:** Occasional 1-33% **Bending:** Occasional 1-33% **Kneeling:** Never 0% **Crawling:** Never 0% **Climbing:** Never 0% **Reaching overhead:** Never 0% **Reaching forward:** Occasional 1-33% **Pushing:** Never 0% **Pulling:** Never 0% **Twisting:** Never 0% **Concentrating for long periods of time:** Continuous 67-100% **Reading, writing and comprehending instructions:** Continuous 67-100% **Adding, subtracting, multiplying and dividing:** Continuous 67-100% **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.

Southfield, Michigan, United States of America **Hours:** 40 **Pay Details:** $86,840 - $130,000 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:** Product Management **:** **Job Description Summary** The Program/Product Development Manager in Auto Lending is responsible for overseeing the design, development, and implementation of new lending products and programs tailored to the automotive finance market. This role bridges the gap between business strategy, technology, and customer needs to deliver innovative solutions that drive growth, efficiency, and customer satisfaction within the auto lending division. **Depth & Scope:** + Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas + Accountable for either a single major functional area with a mass or niche product/segment suite and moderate level of complexity with a range of complex attributes + Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations + Provides expertise and advice on unique distribution issues (i.e. primarily 3rd party channels) for niche/customized products/segments + Has advisory/consultative accountability for functional areas that are not directly managed + Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions + Uses sophisticated analytical thought to exercise judgement and identify solutions + Impacts the achievement of sub-function or business line objectives within the area accountable for + Develops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition + Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives + Oversees and ensures the clear and effective delivery of products and services to the customer + Acts as a Subject Matter Expert for product-related inquiries + May lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact + Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; Analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; Facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth + Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives + Leads and facilitates problem solving sessions with partners and vendors + Designs end to end process for development, implementation, use, reporting and feedback on developed products and segments + Directs and coordinates market research to determine underlying customer needs - input to development process + Participates in the day to day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiatives + Adheres to enterprise frameworks or methodologies that relate to activities for own business area + Delivers financial results for the product/product suite via operation of all available levers: pricing, margin, volume etc., creates and delivers business cases to achieve strategic business results (acquisition, retention, customer experience, engagement and market share) + Supports Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentations, (product reviews, planning and forecasting, strategic review sessions) + Conducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplace + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Refines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics + Ensures effective product policies and processes are established to support business processes align with risk appetite + Oversees product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables + Champions the development of the annual business plan and the monthly/quarterly forecast process + Contributes to and supports partner led projects as identified + Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards + Identifies and manages risks (market, credit, operational) associated with the product/segment + Develops/maintains productive working relationships with distribution channel owners + Is knowledgeable of and complies with Bank and Industry Codes of Conduct + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Education & Experience:** + Undergraduate degree or product management certificate and/or + 7+ years relevant experience + Previous Product experience typically required + Advanced knowledge of and ability to conduct product research, product analysis and development, forecasting, pricing, competitive intelligence + Knowledge of current and emerging competitor and market trends + Ability to lead, plan, implement and evaluate program/project activities to ensure completion of product initiatives + Ability to forecast and contribute to strategic direction of the product management function and provide advice to senior leadership + Ability to communicate effectively in both oral and written form + Ability to work collaboratively and build relationships across teams and functions + Ability to work successfully as a member of a team and independently + Ability to exercise sound judgement in making decisions + Ability to analyze, organize and prioritize work while meeting multiple deadlines + Skill in preparing and managing budgets and P&L + Knowledge of and/or skill in using analytical software tools, data analysis methods and reporting techniques + Skill in using computer applications including MS Office + Ability to handle confidential information with discretion **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 + 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 - $173,160 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: Product Management Job Description: The Analytics and Business Support Specialist plays a critical role in driving data-driven decision-making and operational excellence across the organization. This position is responsible for analyzing business data, generating actionable insights, and providing comprehensive support to various departments. The ideal candidate possesses strong analytical skills, a deep understanding of business processes, and the ability to communicate complex findings clearly to both technical and non-technical stakeholders. Depth & Scope: * Recognized as a strategic thinker with significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas * Accountable for major functional areas with mass or niche products/segment suite and high levels of complexity and attributes * Generally accountable for a significant product management area that typically has enterprise wide impact or accountability * Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels * Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work * May lead on product programs and projects on behalf of the business * Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field * Develops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition * Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives * Oversees and ensures the clear and effective delivery of products and services to the customer * Acts as Subject Matter Expert for product-related inquiries * May lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact * Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth * Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives * Leads and facilitates problem solving sessions with partners and vendors * Designs end to end process for development, implementation, use, reporting and feedback on developed products and segments * Directs and coordinates market research to determine underlying customer needs - input to development process * Participates in the day to day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiatives * Adheres to enterprise frameworks or methodologies that relate to activities for own business area * Delivers financial results for the product/product suite via operation of all available levers: pricing, margin, volume etc., creates and delivers business cases to achieve strategic business results (acquisition, retention, customer experience, engagement and market share) * Supports Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentations, (product reviews, planning and forecasting, strategic review sessions) * Conducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplace * Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques * Refines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics * Ensures effective product policies and processes are established to support business processes align with risk appetite * Oversees product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables * Champions the development of the annual business plan and the monthly/quarterly forecast process * Contributes to and supports partner led projects as identified * Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards * Identifies and manages risks (market, credit, operational) associated with the product/segment * Develops/maintains productive working relationships with distribution channel owners * Is knowledgeable of and complies with Bank and Industry Codes of Conduct * Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Education & Experience: * Undergraduate degree or product certificate and/or * 10+ years relevant experience * Previous Product experience required * Experience in leading strategy strongly recommended * Advanced knowledge of and ability to conduct product research, product analysis and development, forecasting, pricing, competitive intelligence * Knowledge of current and emerging competitor and market trends * Advanced ability to lead, plan, implement and evaluate program/project activities to ensure completion of product initiatives * Ability to forecast and contribute to strategic direction of the product management function and provide advice to senior leadership * Ability to establish goals and objectives that support the strategic plan * Skill in mentoring, coaching and performance management * Ability to communicate effectively in both oral and written form * Ability to work collaboratively and build relationships across teams and functions * Ability to work successfully as a member of a team and independently * Ability to exercise sound judgement in making decisions * Ability to analyze, organize and prioritize work while meeting multiple deadlines * Skill in preparing and managing budgets and P&L * Knowledge of and/or skill in using analytical software tools, data analysis methods and reporting techniques * Skill in using computer applications including MS Office * Ability to handle confidential information with discretion 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 * 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.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $72,280 - $117,520 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:** Financial Crime Risk Management **:** **Department Overview:** The U.S. FCRM Monitoring & Testing Team is responsible for maintaining a dynamic, risk-based, 2LoD testing process designed to periodically review the design and operating effectiveness of key processes and controls and assess compliance with relevant key laws, rules, and regulations. The Testing Team staff are objective and separate from FCRM Program execution activities and responsible for an Annual Test Plan comprised of mandatory and risk-based testing of financial crime risks owned by the first and second lines of defense. **Job Description Summary:** The Senior FCRM Testing Analyst executes independent testing of FCRM controls / systems for assigned businesses, and operational units across the Bank to evaluate the effectiveness of these controls in covering associated risk. This role is capable of independently executing and having responsibility for various activities (e.g., test plan development, executing test steps) throughout the testing lifecycle within agreed timelines. **Depth & Scope:** + Works Independently as a subject matter expert regarding assigned testing areas and objectives, including related regulatory requirements + Develops testing documentation and results reporting in-line with testing requirements + Understands the use of controls for managing financial crimes risk and applies this understanding to independently evaluate controls effectiveness and develop recommendations for enhancement + Undertakes and completes a variety of projects and initiatives as part of the testing function **Education & Experience:** + Undergraduate degree or equivalent work experience + 5+ years experience **Preferred Skills:** + A deep knowledge of Anti-Money Laundering (AML) processes + Detailed Testing of Risk and Controls related to Bank Secrecy Act (BSA), AML, Sanctions and Anti-Bribery & Anti-Corruption + Strong communication and written skills and the ability to work with and influence Senior Stakeholders + Ability to multi-task and work on more than one review at a time **Customer Accountabilities:** + Executes testing engagement work in accordance with established standards to achieve completion within targeted timelines + Conducts skilled analytical research and analysis as part of the assigned testing objectives + Works collaboratively with key partners throughout the testing engagement + Presents objective and independent opinion on the adequacy of processes and controls in accordance with regulatory and internal requirements + Executes follow-up of findings raised from testing reviews in accordance with established standards + Provides subject matter expertise on FCRM controls and processes and/or input to projects/initiatives as a representative for area of the FCRM testing function + Proactively identifies matters which require additional attention, further escalation, or review, and liaises with the appropriate groups to resolve **Shareholder Accountabilities:** + Prioritizes and manages own workload to deliver quality results and meet assigned timelines + Contributes to the analysis, due diligence, and implementation of initiatives within defined assignments + Adheres to internal policies, standards and procedures, methodologies, and applicable regulatory requirements + Understands the operations of the business unit / area being tested and to identify potential FCRM risks and apply information to complete + Clearly and concisely documents research as required to understand requirements specific to an engagement + Keeps abreast of emerging trends / developments and changes to regulatory framework, internal policies, and standards + Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions + Actively manages relationships within and across various business lines, corporate and/or control functions, and ensures alignment with enterprise and/or regulatory requirements + Effectively communicates results to FCRM Testing management and the stakeholders + Maintains a culture of risk management and control, supported through FCRM testing **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 and participates in knowledge sharing with the team and/or 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 potential cross training within own team + Keeps team members informed and up to date about the status / progress of projects and/or all relevant or useful information related to day-to-day activities + 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: $111,760 - $166,400 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: Risk Management : Job Description Summary: The Risk Manager II provides dealer performance review and governs Dealer Oversight committee. The Risk Manager II identifies risk issues and solutions to satisfy audit and regulatory requirements. The Risk Manager II also establishes KPIs and provides hands-on data analytics to streamline auto decisioning rules and Credit policy changes. The Risk Manager II manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization. The Risk Manager II provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the manager. Auto finance background strongly preferred. Depth & Scope: * Performs functions noted for Risk Manager I * Generally an expert at the enterprise or group business level * Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations * Interfaces with teams beyond risk in a cross-functional manner * Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations Education & Experience: * Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below * 10+ years' experience required * Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages * Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS * Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker * Strong analytical and problem solving skills are required to interpret data and draw conclusions * Flexibility to adapt to rapidly changing requirements * Extremely strong attention to detail with ability to manage a range of tasks and prioritize * Proven ability to develop and maintain productive business/peer relationships * Superb written and verbal communication skills * Experienced in developing and presenting recommendations to Senior Management 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.

Job Description You're stepping into a fantastic opportunity with New York Life as a Life Insurance Sales Agent. Here, you'll not only enhance your skills in life insurance but also have the chance to expand into retirement and investment planning. We're looking for a committed professional who thrives on achieving goals and delivering exceptional customer service. If you have a knack for connecting with people and superior prospecting skills, you're poised for success in this role. This is your chance to kickstart a rewarding career, building meaningful relationships and making a significant impact. You'll be in business for yourself, but never by yourself, with the full support and backing of a company with over 170 years of industry success. At New York Life, we pride ourselves on our inclusive culture and commitment to professional growth. You'll enjoy comprehensive benefits, including health, vision, and dental insurance, 401(k) matching, and ongoing training and education. Our outstanding company culture ensures you're part of a supportive team that values both your personal and professional development. We empower our agents to build a strong financial future for themselves and their clients, backed by our proven track record of excellence and financial strength. If you're ready to embark on this journey, let's make a difference together. Compensation: $60,000 - $80,000 at plan earnings Responsibilities: Cultivate and maintain strong relationships with clients, ensuring their financial security and peace of mind. Identify and assess clients' needs to tailor life insurance solutions that align with their goals. Engage in proactive outreach to potential clients, expanding your network and growing your client base. Provide expert guidance on retirement and investment planning, empowering clients to make informed decisions. Collaborate with team members to share insights and strategies, fostering a supportive and growth-oriented environment. Stay informed about industry trends and product offerings to deliver the most relevant and up-to-date advice. Conduct regular reviews with clients to adjust their plans as needed, ensuring ongoing satisfaction and trust in our services. Qualifications: Experience in sales or customer service, with a focus on building lasting client relationships. Ability to assess clients' financial needs and tailor life insurance solutions accordingly. Proven track record of achieving sales targets and expanding client networks. Strong communication skills to provide clear, expert guidance on retirement and investment planning. Ability to work independently while collaborating effectively with team members. Commitment to staying informed about industry trends and product offerings. Proficiency in conducting regular client reviews to ensure satisfaction and trust in services provided. About Company As a mutual company with no investors or outside owners, New York Life is uniquely aligned with clients' interests and priorities. We have over 170 years of industry success. We offer: Hybrid Opportunity Health/vision/dental 401(k) matching Outstanding company culture Training/education Some of our accolades include: A promise to work with you to build a strong financial future for both you and your clients #67 on Fortune 100 in 2021 A leading company with many agents qualifying for MDRT2 each year Highest possible financial strength ratings currently awarded to any life insurer: Standard and Poor's (AA+); A.M. Best (A++); Moody's (Aaa); and Fitch (AAA). 2MDRT (Million Dollar Round Table) is recognized throughout the industry as the standard of excellence in life insurance sales performance. New York Life Insurance Company is an EOE M/F/Veteran/Disability/Sexual Orientation

Hours: 40 Pay Details: $68,640 - $102,960 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: Risk Management : Job Description Summary The Risk Portfolio Analyst III provides skilled analytical research, analysis, and project-oriented support. Analyzes the quality of key risk components of assigned retail credit portfolios. Provides analysis of portfolio risks and makes recommendations to Senior Management regarding the direction of future lending activities. Interacts with external accountants and regulators; the Federal Reserve, Office of Controller of Currency (OCC), and Office of the Superintendent of Financial Institutes (OSFI) and interacts with Risk and Analytical professionals at TDCT and TDBFG. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Risk Portfolio Analyst is responsible to effectively manage, monitor and control risk of the retail lending segments within TD Bank. Depth & Scope: * Performs functions noted for Risk Portfolio Analyst II * Manages complex analytical initiatives and interacts with TDCT Risk and Retail Lending lines of businesses * Works independently and interacts with internal/external accountants, auditors and bank regulators * Directs credit activities relating to risk exposure, credit policy, and credit underwriting changes to Senior Money-out Executives * Mentors junior level analysts * Oversees the retail credit portfolio analysis in support of financial, regulatory and risk management requirements * Provides guidance and assists staff with most complex aspects of work as necessary * Shares knowledge with others in the group * Contributes to and supports achievement of department/business unit goals * Acts as subject matter expert in assisting the Manager of Risk Analytics during the analysis for the US Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios * Acts as a lead in other risk management related duties or special projects and performs additional duties as necessary * Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio * Supports results of analytical initiatives on portfolio modeling (including Basel), Stress Testing, migration analysis, and Allowance for Loan and Lease Losses (ALLL) * Develops analytical white papers for assigned portfolio considering current economic environments * Forecasts impact to assigned portfolio * Determines risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs * Establishes oversight of business lines compliance/risk controls and periodically evaluates risk mitigation efforts to make adjustments as risk/department influences change * Ensures TD Bank maintains successful audits and exams within all areas Education & Experience: * Bachelor's degree required, Graduate Degree preferred or progressive work experience in addition to experience below * 7 Years of related experience * Strong PC skills including proficiency in a variety of PC-based analytical and reporting software packages * In depth knowledge of portfolio analysis techniques and processes * Extensive analytical skills and practical knowledge of descriptive statistics * Excellent research skills required for industry analysis * Excellent written and verbal communication skills * Experienced in presenting to Senior Executives and Board of Directors 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.

Job DescriptionOur mission is to provide financial security and peace of mind through our insurance, annuity, and investment solutions. We act with integrity and humanity in all our interactions with our policy owners, business partners, and one another. Grounded in both confidence and humility, we serve as stewards for the long term. We are here for good, reflecting both the permanence of New York Life and our commitment to do the right thing in business and society. Everything we do has one overriding purpose: to be there when our policy owners need us. If you are a leadership-oriented individual who is ready to take your financial career to the next level as a partner in our general office, we have an opportunity for you! New York Life Insurance Company is currently hiring managers for its Fast Track Partner Program, a training in which participants start as financial professionals who gain first-hand experience in the field. Completion of the program requirements can lead to a transition into management as an associate partner. If this sounds like a fit for you, apply today! Training, Support, and Professional Development: New York Life offers a comprehensive three-year training program, marketing support, as well as prospecting and technical assistance. Our programs give you the ability to work with highly successful, established agents and managers who assist you in developing a clientele. New York Life provides the resources and ongoing support you would expect from a Fortune 100 company. About New York Life: New York Life is among the strongest and most respected financial companies in the world. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by each of the four major rating companies: A.M. Best (A++), Standard & Poor's (AA+), Moody's Investors Service (Aaa), and Fitch (AAA)¹. For 65 consecutive years, we have led the Million Dollar Round Table with more members than any other insurance or financial institution in the world². New York Life has been recognized as one of the “World's Most Admired Companies” by Fortune Magazine for 2019. Financial Advisors offer investment advisory services through Eagle Strategies LLC, a Registered Investment Adviser. Registered Representatives offer securities through NYLIFE Securities LLC (member FINRA/SIPC), A Licensed Insurance Agency - Equal Opportunity Employer M/F/D/V 1 - Full-time agents and their dependents are immediately eligible for medical, dental, vision, long-term disability, and group term life insurance. New York Life reserves the right to amend or terminate any benefit plans, in whole or in part, at any time. 2 - Source: Individual Third Party Ratings Reports as 7/30/18. 3 - MDRT (Million Dollar Round Table) is recognized throughout the industry as the standard of excellence in life insurance sales performance. SOURCE: MDRT as of 7/1/2019 4 - Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),” Fortune magazine, 6/1/19. For methodology, please see ******************************************* $75,000 At Plan Earnings Responsibilities: Become an associate partner on the management team after successfully completing all program requirements Determine financial solutions for clients within a breadth of relevant products and services such as life insurance, fixed and variable annuities, mutual funds, and more Gain hands-on experience as a financial professional helping clients develop a long-term strategy to achieve their financial goals Hone your skills and facilitate success as a manager by participating in our intensive, six-month Associate Partner Training Program Select, hire, and grow your financial professionals team as an associate partner Your first year You'll learn firsthand about a financial professional's role and day-to-day work by working as a financial professional for the first year of your career journey with New York Life. We will provide you with complete training, access to digital tools, and a comprehensive product suite. Training and resources You will receive top-notch training that will give you an understanding and appreciation for the strength and value of New York Life. Beyond this training and support, New York Life will provide access to the resources you need to succeed day-to-day, including experts on hand to answer your questions and a suite of digital sales, prospecting, and marketing tools that will help you attract and retain clients with web, social, and email content. Product Solutions You will learn about our robust products and services that can help clients and their families achieve their financial goals. Together with its subsidiaries, New York Life provides a range of competitive insurance and financial products, including life insurance, annuities, long-term care insurance, disability income insurance, and investment products such as mutual funds through our broker-dealer, NYLIFE Securities LLC (member of FINRA and SIPC), a Licensed Insurance Agency. You will be required to hold securities licenses and FINRA registrations and affiliate with NYLIFE Securities as a registered representative before you can offer investment products. Your Transition to a Field Manager Role After meeting specific requirements for the first 12 months as a financial professional, you will enter a specialized six-month Associate Partner training program. We'll help you to lead and build your team of financial professionals. Throughout your career journey with New York Life, you'll continue to have opportunities to grow and be promoted to increasingly senior levels of management. Qualifications: Must have financial services industry and/or insurance industry experience Bilingual in Spanish, Portuguese, or another language is a plus Some sales experience needed Seeking a rewarding and challenging career as a goal-oriented, highly motivated financial professional Working knowledge of cultural markets is helpful We're looking for people who want to make a lasting impact on the financial well-being of individuals, families, and small businesses-motivated people who can answer yes to one of the following questions: Do you have sales or managerial experience in another industry? Have you previously run a business? Do you have an MBA or other equivalent degree? In the Accelerated Path to Management Program, you'll start off as a financial professional, learning how to sell our products, build client relationships, and meet specific requirements before transitioning into a management role. You'll then undergo a six-month intensive training program designed to prime you for success as a manager. You will use that experience to understand how to recruit and coach others to succeed. About Company As a mutual company with no investors or outside owners, New York Life is uniquely aligned with clients' interests and priorities. We have over 170 years of industry success. We offer: Hybrid Opportunity Health/vision/dental 401(k) matching Outstanding company culture Training/education Some of our accolades include: A promise to work with you to build a strong financial future for both you and your clients #67 on Fortune 100 in 2021 A leading company with many agents qualifying for MDRT2 each year Highest possible financial strength ratings currently awarded to any life insurer: Standard and Poor's (AA+); A.M. Best (A++); Moody's (Aaa); and Fitch (AAA). 2MDRT (Million Dollar Round Table) is recognized throughout the industry as the standard of excellence in life insurance sales performance. New York Life Insurance Company is an EOE M/F/Veteran/Disability/Sexual Orientation

Responsibilities include, but are not limited to: Responsible for providing exceptional customer service in accordance with Valley's mission statement. Ability to engage customers with friendly and professional service. Knowledge of all Bank products and services and ability to educate and demonstrate customers on such, as well as cross sell various products and services. Ability to present a confident and professional demeanor to establish trust and gain knowledge from the customer. Analyze needs and recommend appropriate products and services. Meets with customers to analyze financial needs and maximize sales opportunities. Offers all bank products and assists with other service needs, opens new accounts, i.e., checking, savings, certificate of deposit and IRAs, discusses/sells loan products to existing and prospective customers and possesses knowledge of on-line banking and mobile banking abilities to promote and demonstrate to customers. Responsible for meeting customer expectations and achieving service quality standards. Participates/oversees the sales referral process ensuring customer financial needs are met and assists management in coaching and mentoring branch staff members. Ability to perform all transactions required by a customer and use appropriate technology to provide services most effectively and efficiently. Maintain and balance a cash box. Ability to utilize technology such as Teller Scanning Equipment, Cash Recycling and Cash Dispensing machines and support customers in the use of Coin Machines. Act as Vault Teller ensuring adequacy of Branch cash for daily transactions by assisting the branch staff in ordering and shipping currency - coin and controlling - distributing cash to Tellers in prescribed limits. Assists in community events (i.e., Habitat for Humanity) etc. Participates in and supports CRA initiatives, activities and programs. Report all significant matters, issues and unusual customer activity to Manager maintaining personal knowledge of compliance and regulatory requirements. Maintains knowledge and compliance with the Bank's Code of Conduct and all policies and procedures.

Southfield, Michigan, United States of America **Hours:** 40 **Pay Details:** $110,760 - $166,400 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:** Personal & Commercial Banking **:** **Job Description Summary** The Senior Manager, Collections Strategy and Dealer Monitoring collaborates with Collections/Loan Servicing to propose and implement Collections Champion/Challenger strategy that helps the business improve overall Collections effectiveness. The Senior Manager, Collections Strategy and Dealer Monitoring also oversees Collections related scorecards and models and provide recommendations to enhance overall model performance. The Senior Manager, Collections Strategy and Dealer Monitoring develops, coordinates, manages, and produces the analytical environment for TDAF Retail Loan Credit portfolios to achieve Financial (measurement, forecasts and business budgets) and Credit estimates that collections strategy and effectiveness and monitoring dealers from a portfolio perspective. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Senior Manager, Collections Strategy and Dealer Monitoring effectively manages the collections strategy and effectiveness and dealer portfolio performance providing all Risk Analytic Reporting for Credit Risk Management. They are also the point of contact for various other TDBG risk management areas needing support for Collections Strategy and Dealer Monitoring. Strong understanding of Auto finance and scorecard/modeling strongly preferred. **Depth & Scope** + Mentors and supervises retail credit risk analysts, provides leadership direction and answering questions as needed + Provides guidance and assists staff with most complex aspects of work as necessary + Resolves escalated issues and problems by conferring with senior management, staff in other internal departments, outside contacts and others as necessary + Oversees and is responsible for all collections strategies and dealer portfolio monitoring activities + Oversees analytics and modeling to determine potential dealers whose portfolio is performing outside of expectations + Recommends and builds concessions to dealer oversight committee related to high risk, non-performing dealers + Oversees retail credit collections and portfolio analysis in support of financial, regulatory and risk management requirements + Participates in and supports several decision-making committees for the retail credit and portfolio management approaches + Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio + Quantifies and analyzes risk exposure characteristics for retail credit portfolios and impacts on collections strategies and dealer monitoring + Researches, evaluates and develops credit policy for acquiring and managing a retail credit portfolio that is within the TD Enterprise Risk Appetite and meets the business objectives and targets + Researches, evaluates, develops, tests and applies quantitative models and methodologies for analyzing risk exposures, acquisition and collection strategies + Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of risk factors present in retail credit products based on changes in collections strategies and dealer monitoring strategies + Develops and documents systems/tools to automate calculations used in determining risk exposures + Develops and implements statistical models and tools used in collections strategies + Researches and recommends standards for internal/external systems used to calculate and measure risk exposures + Recommends credit policy and underwriting standard modifications where warranted. Measures and monitors the organizations credit risk exposure and provides guidance in portfolio review and strategy + Establishes oversight of business lines compliance/risk controls and periodically evaluate risk mitigation efforts to make adjustments as risk/department influences change. Ensures TD Bank maintains successful audits and exams within all areas + Ensures effective compliance with all job-relevant State and Federal regulations, including, but not limited to Employee policies, procedures, CRA EEO/ AA, as well as with all job relevant Risk Management and Corporate standards + Manages complex analytical initiatives and interacts with TDBFG Analysts, Finance, Credit, Sales, Marketing and Retail Lending lines of businesses + Provides leadership, support, and guidance to Senior Management, Credit Analysts, Finance, Credit, Small Business, and Retail Lending Lines of Business **Education & Experience:** + Bachelors degree required; Graduate degree preferred + 10+ Years of related experience + Significant experience required in Credit Risk Management and modeling disciplines + Strong quantitative and statistical skills to determine sound, defensible approaches to forecasts and analyses + Strong written and verbal communication skills + Experience in change management related to the adoption of new business processes + Extensive experience in organizing and presenting credit portfolio results and allowance requirements to Senior Management Committees, External Analysts, Auditors, Regulators, and Board of Directors + Industry analysis and presentation experience **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.

Wilmington, Delaware, 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:** Risk Management **Job Description:** **Department Overview:** Team provides a strong focus on governance, control, and risk management behaviors that align with TD's policies and practices. The Risk Manager I will lead or participate in the identification, development, and implementation of new initiatives, operating workflows, and operational efficiencies, potentially leading special project teams or cross-functional workgroups. Additionally, the Risk Manager I will assist in enhancing credit risk assessment capabilities to identify and maintain profitable business opportunities with both new and existing clients. This includes performing detailed analyses, interpreting information, and making recommendations to senior management on critical strategies, including non-standard and ad-hoc requests. This involves creating regular reports on results of implemented strategies, utilizing appropriate quantitative methods and management information systems (MIS), and making recommendations to increase efficiencies and revenue while managing credit risk. The Risk Manager I will work cross-functionally with teams outside of risk and collaborate with internal audit and external regulators to ensure that documentation for all work processes is complete and up-to-date. The Risk Manager I is expected to ensure sound credit control by proactively managing risks within the bank's guidelines and fostering effective communication with relevant teams and stakeholders. The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools. **Depth & Scope:** + Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices + Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups + Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients + Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management + Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis + Effectively works cross-functionally with teams outside of risk + Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date + Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank + Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups **Education & Experience:** + Bachelor's degree required; Graduate degree preferred + 5+ years' experience required + Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages + Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS + Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc. + Strong analytical and problem solving skills are required to interpret data and draw conclusions + Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background + Excellent written and verbal communication skills + Experienced in developing and presenting recommendations to Senior Management **Preferred Qualification:** + Python experience + Financial services or banking industry experience + Risk Management regulatory requirement experience. + Knowledge of advanced statistical methods and data analysis techniques **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Occasional + Performing sedentary work - Frequent + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Frequent + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Occasional + Squatting - Occasional + Bending - Occasional + Kneeling - Occasional + Crawling - Never + Climbing - Never + Reaching overhead - Occasional + Reaching forward - Occasional + Pushing - Occasional + Pulling -Occasional + Twisting - Occasional + 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 - Frequent 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.