TD Bank jobs in Wilmington, DE

**Role Type:** Internship/Co-op **Work Term:** Summer/Term 3 Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $27.00 - $27.00 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. **Job Description:** The AMCB Summer Intern supports their Line of Business in the development and execution of work projects to support the Business' goals & objectives. The Summer Intern embodies TD's Shared Commitments and customer-focused culture. **Consumer Banking ** TD is the 8th largest bank in the U.S. with over 10 million customers and more than 1,200 convenient locations from Maine to Florida. Within Consumer Banking, we focus on delivering financial products and services to our customers, including checking and savings accounts, personal loans, mortgages, and credit cards. Our goal is to help people manage their finances effectively and achieve their financial goals through personalized service and innovative solutions. We are responsible for the strategy, design, management, and delivery of deposit and lending products. Consumer Banking interns will work in one of the following groups: + **Consumer Deposit & Payment Products (CDPP)** is responsible for the strategy, design and management of TD's deposit products, including checking accounts, saving accounts and CDs. + **Credit Cards & Unsecured Lending (CCUL)** is responsible for the bank's branded credit cards, unsecured personal loans, and strategic partnerships with companies like Target and Nordstrom to offers credit cards to their customers. + **Real Estate Secured Lending (RESL)** provides residential lending products, including mortgages and home equity products. + **Distribution** manages the store network and leads the strategy for store transformation, sales and advice, and customer experience. + **Digital Performance** assesses the performance of digital and mobile platforms used by our customers and small businesses and identifying enhancement opportunities. + **Consumer Business Excellence** identifies critical activities to determine opportunities for cost, controls, and customer experience optimization across the Consumer Bank. + **Wealth** offers products and advisory services for mass affluent, high net worth, and institutional clients. Consumer Banking is offering in-person internship opportunities in Mount Laurel, NJ and Wilmington, DE. Interns will be required to be in-office 4 days a week. **Depth & Scope:** **AMCB Summer Internship Experience** TD Bank, America's Most Convenient Bank **_ _** , offers an Internship Program with an unparalleled experience - where you'll gain valuable insight into our vision to Build The Better Bank, while also strengthening the core skills and knowledge you'll need to launch a successful career. Our 10-week, non-rotational program consists of: + A fun-filled, high-energy introduction to TD Bank, America's Most Convenient Bank **_ _** + A variety of professional experiences and development training + Extensive networking opportunities and interactions with senior leaders + A dedicated support network, including a formal peer-mentoring program + An active role in community service projects + Opportunity to join our rotational analyst program upon graduation and participate in our 6 Week Innovation Challenge, VR experience and variety of learning & development opportunities. **Education & Experience:** + Pursuing post secondary degree in business-related disciplines + Knowledge of Microsoft tools (Outlook, Teams, Word, PowerPoint, Excel) + Excellent interpersonal skills, problem solving and analytical skills + Ability to take initiative and accountability of your actions + Demonstrated leadership qualities + Strong written and oral communications skills + Detail oriented with an ability to handle multiple tasks + Ability to work independently and collaboratively + You must be work authorized in the United States on a permanent basis without the need for employer sponsorship + Anticipated graduation between December 2026 to June 2027 preferred **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 - Frequent + Walking - Frequent + 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 - 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. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

The Executive Associate Program is designed for 2nd year MBA students who seek to accelerate their career within M&T Bank. Program hires will undergo an immersive leadership experience designed to develop leadership competencies and strategic capabilities. Throughout the first year, the incoming cohort will be introduced to Program alumni, bank wide leadership, and collaborate with peers to drive change to support the vision and goals of the Bank. **Primary Responsibilities:** + Perform project and/or management related assignments in such functional areas as Treasury, Trust and Investment Services, Credit, Finance, Retail Banking, Commercial Banking, and Technology and Banking Operations. + Work directly with senior leaders in completion of assignments. + Perform other related assignments as requested by management. **Scope of Responsibilities:** Perform project/management related assignments in field of expertise within the Executive Associate Program. **Supervisory/ Managerial Responsibilities:** None **Education and Experience Required:** Completed MBA from an accredited business school. Minimum two years professional, full time work experience. Demonstrated leadership potential, as evidenced through previous work experience, extracurricular activities, or community involvement Excellent communication and interpersonal skills, with the ability to collaborate effectively with individuals at all levels of the organization Strong analytical and problem-solving skills, with the ability to think strategically and critically analyze complex business challenges Strong project management skills and the ability to handle multiple priorities and deadlines Work visa sponsorship not offered for this role M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $100,000 - $171,000. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above encompasses all geographic locations. The pay rate specific to your location will fall within this range and is available from your recruiter. **Location** Wilmington, Delaware, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

This is a unique opportunity to join the writing team at RED, Vanguard's in-house agency that sits within Personal Investor Marketing. Our mission is to connect with individual investors through clear, compelling, and compliant communications that reinforce Vanguard's brand and values. As an in-house creative group, RED partners with business stakeholders to execute campaigns that balance creativity with regulatory rigor-ensuring every message is accurate, engaging, and aligned with strategic goals. As a copywriter on this team, you'll play a key role in shaping high-profile content that informs and inspires investors. You'll collaborate closely with designers, content strategists, and creative strategists to develop creative concepts and produce polished communications across channels. This position calls for a blend of strategic thinking and strong writing skills, with opportunities to influence content from initial concept through final execution. This role: Brainstorms and develops creative concepts with clients and colleagues incorporating a deep understanding of the business and industry. Gathers comments and feedback from editors, editorial and content managers, subject matter experts, and other relevant parties. Provides insightful feedback to content submitters. Maintains up-to-date knowledge of assigned industry and of Vanguard products, processes, and/or services. Researches new topics as necessary. Demonstrates initiative and creativity in identifying and meeting client needs. Serves as mentor to less experienced writers by providing specific feedback on their copy, story ideas, new media formatting, and interviewing skills. Contributes and oversees content creation from the planning or draft stage to completion. Assists with evaluating and fine-tuning project scope, content strategy, requirements, and deadlines. Responds to edits and changes from subject matter experts with flexibility, while maintaining quality and accuracy. Teaches and sets Vanguard writing style and standards. Participates in special projects and performs other duties as assigned. Qualifications: Minimum five years related work experience. Undergraduate degree or equivalent combination of training and experience. Special Factors Sponsorship Vanguard is not offering visa sponsorship for this position. About Vanguard At Vanguard, we don't just have a mission-we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best. How We Work Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.

Originate, underwrite, negotiate, close and service commercial real estate loans of large dollar amount and high complexity. **Primary Responsibilities:** + Provide a high level of customer service to an existing customer base, + attending to the needs of commercial finance clients seeking loans, prospecting, underwriting and originating new loans. + Participate in the management of the existing portfolio based on departmental objectives. + Restructure adversely-graded loans and foreclose problem loans, performing activities designed to preserve the loan principal, gather interest as possible and prevent the loan from being charged-off. + Call on potential and existing customers to develop new business and increase existing business. + Perform special projects such as recruiting, due diligence, and acquired portfolio absorption. **Scope of Responsibilities:** The position has extensive contact with customers, extending credit and providing Bank services. Communication with attorneys to coordinate closing, service existing credits, and work out problem loans. **Education and Experience Required:** Bachelors degree or equivalent in work experience. Seven (7) to ten (10) years commercial real estate lending experience. Working knowledge of personal computers and software utilized by department. Excellent written and verbal communication skills with an orientation toward customer service. Ability to interact with all levels of personnel. Credit analysis skills. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $136,000.00 - $226,600.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Wilmington, Delaware, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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:** Data & Analytics **Job Description:** The Data Steward I provides data governance expertise and manages and / or executes data governance activities for a business or function. The role executes on business data strategy and deliverables in alignment with Data Policy, Standards and Strategy. The role also provides reporting, analysis, and assessments to support data governance within their business area or function. Appointed as a Data Steward for their business. **Depth & Scope:** + Subject matter expert level professional role requiring in-depth knowledge / expertise with respect to data governance and data asset risk management for a given business line and working knowledge of broader related areas + Analyzes current and emerging data related risks in day-to-day activities, operations, products and services within the Business, to ensure activities are within TD's Risk Appetite and policies + Governs and manages data under their stewardship, acting as a focal point for data governance within the Line of Business + Ensures their Line of Business (LOB) adheres to data related policies, standards and meets requirements set out by the Enterprise Data and Information Management Policy and Standards + Creates, designs, implements, and maintains LOB-specific processes, templates, and appropriate mitigating controls, to support enterprise data policy and standards and ensure effective management and control of LOB data + Ensures data-related activities are compliant with applicable laws and regulations + Provides 1st line oversight of LOB data management activities, including metadata and data quality management, data retention and disposition within BAU processes, projects, programs and change initiatives + Escalates data risks and issues and analyzes and provides advice to business owners in developing and implementing action plans for data risk mitigation and issue resolution + Works in partnership with control partners (i.e., Technology Risk Management, Legal, Privacy, Office of the Chief Data Officer (OCDO), LOB First Line of Defense partners, etc.) to protect the Bank's data assets + Creates and delivers training programs and tools, and provides advice, to ensure the governance and oversight of data + Helps define the Line of Business data strategy + Promotes a strong data risk management culture + Acts as a subject matter expert within their own area of specialty or a resource for others + Leads projects of moderately to complex risks 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 + Impacts a range of functional programs and operations across own and related teams + Analyzes guidelines, standards, policies and results of analysis to inform decision making at senior levels + Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels + Works independently as the senior technical lead and guides others within area of expertise + Analyzes and leads problem resolution for complex issues at all levels + Participates in project meetings/working sessions to provide advice on data governance requirements + Independently completes data impact assessments and provides direct input to project teams in how to appropriately safeguard and manage data. + Performs data quality analysis and assessment for critical business data and reports breaches through risk escalation forums. + Analyzes key business processes for the appropriate level of data controls, and advises on additional/revised controls if applicable. + Analyzes and documents metadata to support adherence to internal requirements and external regulatory requirements + Manages data risk across lifecycle of data element (production, movement and consumption) i.e., pRCSA review and approval + Establishes and maintains thought leadership of data driven considerations within the LOB as well as other 1B functions + Influences business to continuously review for emerging risks and provides advice on possible regulatory implications of risks and issues. + Proficiency in working across stakeholder teams to reach consensus on various topics in support of sound data management practices. + Analyzes business processes that are causing data quality issues and determines root cause for issues and business processes to prevent future issues. + Determines appropriate rules to evaluate the data quality at a data element level. + Works directly with senior members of project teams to confirm data governance requirements are delivered. Makes calculated compromises in support of projects to meet delivery dates while also delivering optimal data governance. + Provides input in how data management policies are operationalized within the line of business. + Analyzes key business processes for robustness of data controls and advises on changes/enhancements. + Advises on issues/challenges that should be taken into account within future business objectives. + Performs in-depth root cause analysis for data quality issues on behalf of management and stakeholder teams. **Education & Experience:** + Undergraduate degree or technical certificate + 5+years of relevant experience + Proficient knowledge of data governance/data management practices, enterprise data policy, standards &strategy + Proficient knowledge of M&A due diligence process, LOB data strategy, data risk management, and data life cycle management + Knowledge of current and emerging competitor and market trends + Skill in using analytical software tools, data analysis methods and reporting techniques + Skill in mentoring/coaching others + 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 judgement in making decisions + Ability to analyze, organize and prioritize work while meeting multiple deadlines + Ability to handle confidential information with discretion **Preferred Qualifications:** + Experience with Data governance surrounding projects & data issues, governance control, and risk + Operational Risk experience + Familiarity with KPI's and metrics + Excellent attention to detail + Strong organizational and time management skills + Strong communication skills (written and verbal) **Customer Accountabilities:** + Provides guidance to the Business on identification of critical data and critical data elements + Provides guidance and oversight on the business' metadata management and data quality tasks + Provides guidance and oversight on the business' data retention and disposition tasks + Partners with technology and architecture stakeholders to drive effective data activities for business + Acts as a SME and/or research and analyze data issues, remediate and implement changes in various data councils and other forums on behalf of their business + Provides specialized data governance / management advice / support to management / leadership and respective teams for area(s) of specialization with industry, external and internal, enterprise and business awareness; understands trends, identifies issues and opportunities and provides recommended action to management + Leads on the implementation of initiatives in support of the overall data policies, standards, and strategy + Manages a set data governance work activity requiring coordination across multiple areas + Supports / manages the integrated implementation of policies / processes / procedures / changes in across multiple functional areas + Provides data governance expertise and/or input to projects/initiatives as a representative for area of specialization, and where necessary participate in identifying, designing and testing solutions and supporting implementation activities + Participates in Segment Data Council meetings + Supports the identification of business data owners and business data SMEs for the LOB + Facilitates socialization and training of the LOB data governance and data management community on data policies, procedures, tools, and templates **Shareholder Accountabilities:** + Supports the stewardship of data in accordance with the Enterprise Data Policy, Standards and Strategy + Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s) + Ensures respective programs / policies / practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities + Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate + Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations + Conducts internal and external research projects; support the development / delivery of presentations / communications to management or broader audience + Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs / policies / practices + Monitors service, productivity and assesses efficiency levels within own function and implements continuous process / performance improvements where opportunities exists + Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Participates fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest + Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit + Keeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices. + Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships. + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

About this job: At Vanguard, we have a client-first mentality that we live and breathe every day through our mission, “to take a stand for all investors, to treat them fairly, and to give them the best chance for investment success.” Our Client Relationship Associates fulfill our mission by helping our clients through life's biggest moments - from buying their first home to preparing for retirement. In this role, you will connect with clients via inbound phone calls to assist with their account-related needs. If you have a passion for serving others, building your skillset, and giving every investor the best chance for investment success, join our team of “crew” as a Client Relationship Associate! At Vanguard, we believe in supporting our “crew” personally through all life stages. Total potential compensation for this role is between $74,500 - 77,500 ($52,000 - 55,000 base salary based on licenses held plus up to a one-time $12,500 bonus and eligible partnership and promotional bonuses) within your first year upon obtaining the required licensing and achieving performance standards. Responsibilities: We are here to simplify the world of investing, meet our clients where they are, and ensure they feel supported when they call in to Vanguard. As a Client Relationship Associate, you will: Partner with our clients via inbound phone calls to assist them with a wide range of financial inquiries, from account maintenance to identifying and resolving issues. Lead with empathy and a problem-solving mindset to help uncover client needs and provide timely and accurate solutions to clients. Collaborate with internal departments through various strategic initiatives to continuously improve the client and “crew” experience. What it takes: You don't have to be a financial expert to be an advocate for our clients! We welcome, and encourage, individuals from all backgrounds and experiences -- the most important things you need are a passion for serving others and a thirst for knowledge. We have seen most success from individuals with: Strong interpersonal and client relationship management (CRM) skills to engage with our clients and our “crew.” Customer-facing and/or in-bound phone experience. A learner's mindset and an appetite for financial acumen. Undergraduate degree or equivalent combination of experience, preferred. This job requires a Series 7 and 63 regulatory license and/or registration (e.g. FINRA, state, SFC). These will be determined by Compliance based on role-specific duties. How we will help: Choosing the next step in your career path can be a difficult decision - we are here to support you to ensure you thrive professionally from the moment you join. Our training, development, culture, and benefits are designed with “crew” in mind. We will provide you with: Fully paid training, coaching, and continuous support needed to pass the SIE and FINRA Series 7 & 63 Access to learning and development resources to equip, and empower, you with the skillset to continuously improve and problem solve in collaboration with your peers and business partners Hands-on coaching by purpose-driven leaders to help you excel in your current role, and prepare you for the next Acumen building on our products and services to equip you with the expertise necessary to have meaningful conversations with our clients Special Factors: Please note new hires may need to be full jurisdiction registered in all US states and territories. Vanguard is not offering visa sponsorship for this position. About Vanguard We are Vanguard. Together, we're changing the way the world invests. Because when you invest with courage, when you invest with clarity, and when you invest with care, you have the chance to get so much more in return. We invest with purpose - and that's how we've become a global market leader. Here, we grow by doing the right thing for the people we serve. And so can you. We want to make success accessible to everyone. This is our opportunity. Let's make it count. Special Factors Sponsorship Vanguard is not offering visa sponsorship for this position. About Vanguard At Vanguard, we don't just have a mission-we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best. How We Work Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.

Advance your career and our mission At Vanguard, serving people is at the heart of our core purpose to take a stand for all investors, to treat them fairly, and to give them the best chance for investment success. That starts with you. As a Sales Consultant, you'll be an advocate for our retail investors and the voice of our organization. You'll provide an exceptional sales experience and support investors who have chosen or are considering investing with Vanguard. Our “crew,” as we call our employees, live the mission of doing the right thing for our investors every day. This is your opportunity to be part of that community. In this role, you will: Connect with retail clients and prospects through an inbound phone channel, engage in a meaningful conversation to understand their needs, and position the Vanguard products and services that they can use to meet their goals and objectives. Educate clients and prospects on Vanguard's products and services including financial planning, cash management, and funds/ETFs and position appropriate solutions based upon the uncovered client needs. Identify investors' non-Vanguard assets, conduct advanced needs analysis of clients' financial situation, and provide clients with Vanguard's value proposition to win additional business. Own the relationship during the sales process. Manage a book of clients and prospects that have not yet committed to Vanguard by engaging them through phone and digital channels to complete the sale. Make success accessible to everyone Are you passionate about serving others? Then let's step forward together to change the way the world invests. We treat our clients and crew with care and compassion. Combine those values with a growth mindset, grit, determination, and learning agility -- and you could launch a dynamic career. We'll be there to support you as you turn your ambitions into action. What it takes Undergraduate degree or equivalent combination of training and experience. Minimum of one-year related work experience. Sales experience preferred. This job requires a regulatory license and/or registration (e.g. FINRA, NASAA). The SIE, Series 7, and Series 66 are required to be obtained within department guidelines. The SIE is a mandatory requirement of the job and must be obtained no later than 14 calendar days before identified start date Ability to deliver an exceptional investor experience. Ability to consistently drive strong sales outcomes. Ability to manage internal relationships with key business partners to complete the sale. Experience and comfort in dealing with ambiguity and ability to apply conceptual thinking. Excellent oral and written communication skills. Strong problem-solving and time management skills. Comfort with phone and digital channels in which clients engage with Vanguard. Contact center experience preferred. Special Factors Vanguard is not offering visa sponsorship for this position. If you are offered and accept this position, and you do not have the necessary FINRA licenses for the role, then you must obtain the required licenses within the specified period of time. Additionally, if you are not currently registered with FINRA in any capacity, prior to moving into this licensed role, you will be asked to provide authorization for Vanguard to conduct a credit and criminal check in accordance with the FINRA regulations. The salary range for this position is $60,000-$75,000. Special Factors Sponsorship Vanguard is not offering visa sponsorship for this position. About Vanguard At Vanguard, we don't just have a mission-we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best. How We Work Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.

_This role offers a hybrid work schedule at our Buffalo, NY Tech Hub._ Searches for application and system weaknesses that are exploitable, and partners with technology, cybersecurity, and risk teams to remediate any found weaknesses. Partners with technology leaders to train engineering and infrastructure teams to develop new applications and systems securely to ensure weaknesses are removed prior to implementation or software deployment. **Primary Responsibilities:** + Complete penetration testing or red team/adversarial exploitation exercises of web applications, Application Programming Interfaces (APIs), hardware, and mobile. + Perform reconnaissance, social engineering, initial access, and post-exploitation activities across internal and external environments. + Develop and deploy custom payloads, exploits, and tools for use during engagements, including client-side, server-side, and lateral movement scenarios. + Contribute to purple team exercises by sharing red team findings and collaborating with detection engineering and incident response teams to improve defensive capabilities. + Document detailed findings, attack paths, and security gaps with clear recommendations for mitigation and risk reduction. + Stay current on emerging TTPs, CVEs, and adversary tradecraft, especially in the context of web and cloud exploitation techniques. + Define testing methods to meet the scope and goals of assigned penetration tests. + Understand breach and attack simulation solutions and work with the team to validate controls effectiveness. + Effectively educate and train Cybersecurity teams on new tactics, techniques, and procedures to ensure technology applications and services are not at risk of compromise or will leak information. + Collaborate across Cybersecurity and Technology teams to leverage intelligence sources, identify new threats, improve tool usage and workflow, and mature monitoring and response capabilities. + Identify areas of opportunities in daily tasks to advance penetration testing skills and regularly learn new tactics, techniques, procedures to assess risk and implement and validate controls as necessary. + Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Scope of Responsibilities:** + Engages in regular interaction with senior management and associated staff within Internal Audit, Compliance, Risk Management, and Technology. + Exercises judgement in selecting methods, techniques, and evaluation criteria in obtaining results. Exerts significant latitude in determining objective of assignment. Work is accomplished with limited direction. + Intermediate working knowledge of penetration testing and red team tools. + Advanced knowledge of networking and network protocols. + Intermediate working knowledge of operating systems and scripting and/or coding. + The position provides guidance and mentoring to less experienced team members. **Education and Experience Required:** + Bachelor's degree and a minimum of 5 years' relevant work experience, or in lieu of a degree, a combined minimum of 9 years' higher education and/or work experience. + Prior experience penetration testing and red team tools to be able to simulate attacker tactics, techniques, and procedures. + Advanced knowledge of networking and network protocols + Intermediate working knowledge of operating systems and scripting and/or coding **Education and Experience Preferred:** + Bachelor's degree in an applicable discipline such as Computer Science, Cybersecurity, or Information Technology + Extensive understanding of information security concepts (both technical and organizational requirements) + Highly ethical and expected to maintain a level of professionalism at all times + Intermediate working knowledge in social engineering, application security (web and mobile), physical methods, lateral movement, threat analysis, internal and external network architecture, and a wide array of commercial and bring-your-own (BYO) products. + Excellent ability to strategically learn new technical skills, and apply broadly across systems, tools, and processes + Experience training penetration tester to ensure they have intermediate knowledge of penetration testing and red team concepts, tools, and ability to simulate attacker tactics, techniques, and procedures + Strong ability to analyze and draw reliable conclusions based on large volumes of quantitative data from diverse sources + Penetration testing-specific or Cybersecurity domain-related industry-recognized certification M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $121,698.75 - $202,831.26 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Wilmington, Delaware, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Core Responsibilities 1. Develops, implements, monitors change and communication plans for large-scale HR change initiatives and/or program workstreams that drive transformation, adoption, and behavioral change. 2. Contributes expertise and leads a business engagement plan, including ways of assessing readiness and feedback. Partners across HR, business leaders, departments/divisions, and program teams to align on strategy and secure stakeholder buy-in. Provides insight into the best practices and common obstacles based on prior change management experiences. 3. Manages communication and stakeholder engagement. Develops and delivers clear and consistent messaging about changes, fosters open communication channels, and actively engages with leaders, crew, and other stakeholder groups to mitigate change related risks and ensure readiness. 4. Builds and maintains effective relationships. Proactively fosters communication between internal and external stakeholders. Influences key decisions across stakeholder groups. 5. Proactively identifies, manages, and mitigates risks and any related issues. Communicates solutions on key issues or projects to management and stakeholders 6. Develops measurement processes for change management success that help business partners do self-assessments based on communicated maturity models. 7. Builds and maintains productive working relationships with various project team members, consultants and stakeholders at both the executive and operational level. 8. Builds and maintains productive working relationships with various project team members, internal partners and stakeholders at both the executive and operational level. 9. Participates in special projects and performs other duties as assigned. Critical skills Excellent communication, stakeholder management and interpersonal skills. Adept at managing situations in which there are conflicting views and priorities across a complex network of stakeholders. Strategic thinking and planning: Ability to articulate a clear vision for change, align HR initiatives with organizational goals, and create actionable plans for implementation. Ability to convert ideas into action through organization and targeted planning. Knowledgeable in human behavior and change management principles: Capable of identifying potential resistance to change, creating strategies to address it, and assisting crew during transitions. Skilled at advising HR leaders and initiative teams on strategies to reduce change related risk and ensure success. Persuasion, Influence and Presence: Demonstrates cultural competence and authenticity to earn HR leaders' trust and respect, effectively challenging the status quo even without formal authority. Adaptability and flexibility: Exhibits a proactive approach to adjusting strategies in response to feedback, emerging data, and changing conditions, reflecting strong resilience within dynamic and challenging environments Qualifications Minimum of five years related work experience. Three years of change management practitioner experience. Experience supporting change management efforts for large-scale, complex enterprise-level initiatives with changes across people, processes and technology Professional certification in Change Management (Prosci or similar) preferred Undergraduate degree or equivalent combination of training and experience required. Graduate degree preferred. Special Factors Sponsorship Vanguard is not offering visa sponsorship for this position. About Vanguard At Vanguard, we don't just have a mission-we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best. How We Work Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.

Group Benefit Solutions delivers comprehensive insurance and absence management solutions for mid-sized and large companies. Our work fosters a healthier, happier, and more secure workforce, contributing to New York Life's legacy of being there when we're needed most. Here, you'll design, implement, and support these solutions directly impacting employees' lives. At our core, we provide financial security and peace of mind to people through our absence, accident, disability, voluntary benefits, and life insurance solutions. Click here to learn more about Group Benefits solutions. As the Regional Market Manager for Philadelphia, you will oversee a team of sales representatives who are responsible for revenue growth and market penetration in the assigned territory. As part of this growth you will help to build and maintain strong long term relationships with key producer partners for our Absence, Disability and Life products and deliver on all sales and activity goals. You will establish business plans for your region and represent New York Life Group Benefit Solutions in the Life Absence and Disability employee benefits market. What You'll Do: * Manages a team of professional sales employees within the King of Prussia office. Recruits and develops sales talent to meet and exceed sales objectives. * Establishes, manages, and maintains effective long-term relationships with key Producers (Brokers/Consultants) within the assigned territory to ensure quality partnerships and access to opportunities. * Conducts site visits and Capabilities Meetings with assigned Producers to achieve sales targets. * Develops and executes plans to increase/gain opportunities and introduce products/services, management, and other resources to targeted Producer (Brokers/Consultant) Partners. Responsible for individual sales and production from selected agencies. * Develops and executes sales plans to increase sales revenue and market share for assigned territory and producers. * Develops and maintains collaborative relationships with internal stakeholders to achieve sales objectives focused on the organization's overall strategy. * Develops and maintains a strong understanding of all products, services, and operational structure to enhance the ability to identify and target sales growth opportunities and utilize solution selling techniques. * Positively contributes to the organization through market intelligence, feedback, and process improvement recommendations. * Performs in a manner that supports a positive company image, in compliance with all required rules and regulations, and is ethical in all considerations. * Manages expense budget. * Maintains knowledge on current and emerging market changes/trends for assigned area(s) of responsibility, assesses the impact, and collaborates with management to incorporate in current and future solutions. * Maintains sales call data in appropriate systems and/or completes sales reports. * Meets or exceeds all sales goals for assigned territory. * As a key resource, provides information and solutions by educating internal and external partners on the company's products, services, and capabilities. * Supports Relationship Management retention efforts and looks for opportunities to cross-sell and cross-partner with appropriate stakeholders. * Carries out duties in compliance with all state and federal regulations, licenses, and guidelines. What You'll Bring: Bachelor's Degree in business administration or related field, 5 - 7+ years' experience successfully selling Group Benefits to large and small employers, or an equivalent combination of education and experience Life and Health Licenses will be required in all areas assigned Job Knowledge & Skills * Self-motivated * Demonstrated Successful Sales Record * Ability to work with internal and external stakeholders * Proficiency in Underwriting, risk analysis and associated financials * Excellent presentation, oral, written, and interpersonal communications skills * Action/Results oriented * Strong background in Employee Benefits, specifically Absence Mgt, Disability and Life * Ability to influence outcomes Organizational Competencies Acting with Integrity, Communicating Effectively, Pursuing Self-Development, Serving Customers, Supporting Change, Supporting Organizational Goals, Working with Diverse Populations Leader Competencies Acting as a Champion for Change, Demonstrating Initiative, Developing Talent, Managing Performance It is recommended that all qualified candidates apply to this posting as soon as possible. Residents of Colorado are hereby notified that the deadline to apply is 3 days from the Posting Date listed above. #LI - EM1 #LI - HYBRID Pay Transparency Salary range: $350,000 (base salary + sales incentive) Overtime eligible: Exempt Discretionary bonus eligible: No Sales bonus eligible: Yes Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program. Actual base salary within that range will be determined by several components including but not limited to the individual's experience, skills, qualifications, and job location. In addition to base salary, employees may also be eligible to participate in an incentive program. Our Benefits We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work. Click here to discover more about our comprehensive benefit options or visit our NYL Benefits Site. Our Diversity Promise We believe in a diverse workforce because it is our mission to advocate for the financial security and success of people in every community. This is why diversity, equity, and inclusion (DEI) are guiding principles that are embedded in our brand and our culture. Click here to learn more about how we have been recognized for our leadership. Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of ******************** Job Requisition ID: 92967 #GBS

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time, hyrid career opportunity on our Business Loan Center team that can sit anywhere within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC. Provide underwriting of commercial credit requests in the Business Loan Center. The position will have loan approval authority and will actively participate in the loan decisioning process, applying appropriate risk management strategies in compliance with the bank's risk appetite and policies and regulatory requirements. Responsibilities Actively participates as the primary decision maker in the loan decision process for the Business Loan Center Assists in the execution of the corporation and the banks' risk appetite. Ensures that all pertinent risks have been identified and assessed, including but not limited to credit, legal, regulatory, compliance, and operational, and that appropriate controls are established in order to mitigate these risks. Ensure that loan presentations adequately assess the risks inherent in the borrower and the loan request. Assigns risk ratings in accordance with BLC procedures. Responsible for efficient and timely decision making for more complex loan requests submitted to the BLC and assisting in the efficient and effective operation of the BLC. Actively participates in communication between the Relationship Manager and customer where appropriate. Provides guidance and feedback to RMs and credit analysts in the BLC underwriting and decisioning process. Maintains thorough knowledge of Fulton's credit appetite, underwriting standards, credit quality, policies and regulatory compliance requirements in addition to systems and procedures necessary for the BLC underwriting and decisioning process. Partners with special assets group on problem loan identification. Practices early identification and effective mitigation strategies on problem loans. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: Business or Accounting. (Required) Experience 7 or more years Banking /Financial experience. (Required) 7 or more years Commercial Credit Underwriting, Analysis and Lending authority experience. (Required) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $99,200.00 - $165,300.00 annually. Additional Compensation Components This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Hours: 40 Pay Details: $24.00 - $33.50 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 Teller Manager leads a team of service colleagues promoting a positive customer and colleague experience and provides day-to-day team leadership, and work direction to ensure effective and efficient delivery of service/advice activities and/or solutions while maintaining compliance and regulatory guidelines. The role will lead, coach and develop colleagues toward achieving overall store results to include operational excellence, store advice and referral goals, and personal development objectives. Depth & Scope: * Leads and supports a team of service colleagues in achievement of a positive customer and colleague experience and provides day-to-day team leadership, work direction to ensure effective and efficient delivery of service/advice activities and/or solutions while maintaining operational compliance in store cash controls and procedures as well as regulatory guidelines * Leads all activities related to the Teller line from Operations to sales and servicing; including Teller Coaching and performing effective lobby leadership * Leads a team in completing day-to-day processes/transactions/activities, involving multiple steps and systems * Requires knowledge and understanding of a range of products and services, processes and systems in a set of focus areas, where transactions could be characterized by low to moderate risk * Responsible for Vault Management, including the auditing, reporting, and balancing of the Store Currency and transactions. Manages the Store currency levels, tracks currency shipments and deliveries. * Requires process management knowledge and a good understanding of the business and operational function areas supported as they lead the operational standards of the Store, including but not limited to cash handling, control of negotiable items, preventing fraud, managing controllable expenses, promoting integrity, Customer privacy and colleague safety * Engages Customers, assesses needs, responds by providing service(s) or guidance * Closely monitors workflows, prioritizing tasks and delegating duties and responsibilities and work focus time horizon is generally short term * Coaches Teller team on financial transactions, customer experience, effective referral opportunities * Plans, organizes and coordinates the activities for own area and resolves operational issues * Manages team requiring workforce to decision on acceptable level of risk - specifically low risk potential (loss/reputational) transactions and/or requests * Provides decision making authority of issues managed generally limited to non-standard issues or exceptions * Provides leadership on day to-day issues on the Teller line, determining the most appropriate course of action for resolution, or escalates as required * Leads by example and coaches Teller team on achieving individual performance metrics * Partners with Store Leadership to achieve both store and individual performance metrics * Ensures accurate use of all equipment by staff Education & Experience: * Undergraduate degree preferred and/or * 2+ years of relevant experience * Excellent organization, interpersonal and communication skills * Sound judgment in decision making and problem solving * Demonstrated knowledge of Banking Compliance Regulations Customer Accountabilities: * Shared accountability with Store Leaders for Lobby Leadership * Acts as a contributor in achieving an overall Legendary Customer experience in the Store * Leads, coaches, and proactively models exceptional service at every customer interaction in the lobby and on the frontline * Responsible for maintaining optimal colleague scheduling to ensure customer demands and compliance requirements are met * Supports and coaches frontline colleagues on effective customer complaint resolution * Assists with maintaining a professional and inviting space in all common areas of the Store, adhering to premises, marketing, and/or regulatory guidelines; particularly, this role helps ensure that the lobby and frontline meet internal/external policies and/or regulatory requirements * Leads the execution of the Store LEI plan/objectives; supports the execution of the Store advice plan/objectives * Leads and coaches frontline team on advice giving strategies and overall product and services acumen * Leads and coaches on advice delivery to improve the customer experience and overall profitability of the Bank * Works collaboratively with TD Partners to ensure all Customers are serviced in the channel best suited to their needs * Ownership/oversight of simple to complex daily Store administrative duties * Decisions more advanced teller transactions as well as processes teller transactions that range from routine to advanced, including check cashing, large withdrawals, deposits, and loan payments, in accordance with Bank policies and procedures Shareholder Accountabilities: * Manages the service team promoting a positive customer and colleague experience * Leads and develops a team of service colleagues, provides coaching on delivering effective customer service, product, advice conversations and/or advice-giving service; supports service and advice strategies and tactics to improve the overall customer experience * Responsible for cash control of the store. Leads and enforces proper cash control procedures to bolster security and eliminate fraud and cash loss * Coaches to ensure customer issues are handled appropriately through customer problem resolution guidelines and personally participates in the negotiation and resolution where necessary; empowers senior service team to act as a point of escalation for customer concerns, and takes personal ownership when concerns cannot be managed at junior levels * Contributes to the execution and achievement of the team and the Store's customer experience targets by coaching/modeling appropriate attributes and behaviors * May assist Regional Operational Officers in audits and various operational reviews Employee/Team Accountabilities: * Leads and supports a high performing team; provides ongoing feedback, coaching and input on performance reviews, coaches and develops colleagues and ensures performance management activities are undertaken and completed for all colleagues * Contributes to the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner * Ensures colleagues are in compliance with all Regulatory and AMCB policies, procedures and guidelines of conduct (regarding customer interactions, products and services, etc.) * Manages colleagues in compliance of all policies, procedures and guidelines * Supports, mentors and coaches team members in their professional development * Creates and fosters a cohesive team and promotes a strong colleague experience * Shares knowledge, information, skills, and subject matter expertise among the team and ensures the timely communication of issues and encourages good working relationships with other functions and teams * Onboards team members to ensure a positive experience and proficiency in role * Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes * Participates in the recruitment and selection process for all hires to ensure a highly diverse, qualified workforce to achieve business objectives * 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 champion 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 - Frequent Performing multiple tasks - Continuous Operating standard office equipment - Continuous Responding quickly to sounds - Continuous Sitting - Occasional Standing - Continuous 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.

Hours: 20 Pay Details: $21 - $26.25 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 Teller I works in a TD Store location and plays a key role in delivering legendary customer experiences while processing everyday banking transactions with accuracy and efficiency while also educating customers on TD's products and services or referring them to a partner for specialized solutions. Depth & Scope: Executes TD's Brand promise to customers by consistently executing appropriate behaviors to deliver a Legendary Customer experience in the Store Performs customer transactions including deposits, withdrawals, loan and safe deposit box payments efficiently Processes cash transactions such as cashing checks, verifying currency, balancing cash drawer, and night deposits with a high level of accuracy Responds to and resolves customer inquiries and concerns using standard procedures and escalating to management as necessary Engages in lobby leadership by orchestrating customer flow, warmly welcoming customers, and guiding appropriately Understands customer preferences with banking (when and how they want) and educates customers on self-service/digital options that meet their needs Acts as an advocate for the customer by conducting needs-based conversations; offering financial & digital solutions, and/or referring the customer to appropriate partner to provide solutions Makes sound decisions and provides timely problem resolution, escalating more difficult issues to management 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 Verifies customers' identities by following customer authentication policies & procedures Balances cash drawers Automated Teller machines (ATMs) and Teller Cash Dispensers (TCDs)/ Teller Cash Recyclers (TCRs) as necessary Adheres to safe deposit box procedures/operations and guidelines Responsible and accountable for cash drawers and vaults including maintaining appropriate cash limits and securing cash at all times Accountable for ensuring confidential customer information is securely stored throughout the day Understands the importance of and follows dual control Follows all security and audit measures to minimize potential loss Utilizes bank tools and processes to detect, address and prevent fraud Expected to complete all required in-classroom training and on-line training by established due dates Education & Experience: High school diploma or GED 6 months work related experience preferred; or equivalent can be demonstrated through any of the following: volunteering, education, military experience Ability to work during operating hours to include weekends, evenings, holidays as scheduled Demonstrated Customer Service skills preferred Strong organizational skills Detail-oriented Ability to function in a fast-paced and changing environment Excellent communication skills with ability to be concise, clear and consistent 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 -Occasional Standing - Continuous 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.

**Role Type:** Internship/Co-op **Work Term:** Summer/Term 3 New York, New York, United States of America **Hours:** 40 **Pay Details:** $67.00 - $67.00 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. **Job Description:** * Please only apply to no more than two lines of business. The US Graduate Leadership Intern Program is a 10-week internship that prepares you for the fulltime 2-year direct to impact development program and will accelerate your potential and place you at the center of a real-world transformational challenge, aimed at bettering the lives of the clients, colleagues, and communities we serve. This role provides specialized analytics, insights and research and/ or execution on projects and special initiatives. Demonstrates, and develops day-to-day leadership with meaningful contributions to the overall strategy within their functional area. This role will interact with partners and clients as required. This program is designed to attract, develop, and retain top talent within TD. After successful completion of this program, colleagues will be supported into their next role at TD. The Products and Services Management Interns will sit in the Credit Cards and Unsecured Lending business, reporting into the Credit Management team. Management Interns in our Graduate Program will develop customer-focused strategies and solutions leveraging advanced data science, predictive analytics and AI-based tools to assist customers in their financial journey. **Key initiatives may include:** Innovation Projects that leverage alternate data and advanced analytical/predictive tools, including AI algorithms, to acquire customers and/or help them manage their financial journey. Impact TD's bottom line by executing account level Net Present Value (NPV) frameworks to drive optimal business decisions. Build predictive models using Machine Learning/AI techniques to improve accuracy in predicting customer behaviors, such as response to offers, attrition, credit default, fraud. Utilize the above-mentioned predictive models to develop tailored strategies that recommend relevant products/solutions/offers to our customers, or mitigate credit, fraud risks, in the process making sound financial decisions. **Depth & Scope:** + Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders + Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs + Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels + Integrates the broader organizational context into advice and solutions within own area + Understands the industry, competition and the factors that differentiate the organization + Applies best practices to implement process, product or service improvements + Acts as a subject matter expert within their own area of specialty or a resource for others + Contributes to setting standards within area of expertise + Uses advanced methods to contribute to new solutions and recommend standards against which others will operate + Impacts a range of functional programs and operations across own and related teams + Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels + Works independently as the senior technical lead and guides others within area of expertise **Education & Experience:** + Pursuing a Graduate Degree in related field + 5+ years of related experience + Demonstrated leadership experience, a history of delivering strong results, and high aspirations and motivation for career progression to senior leadership roles **Preferred Qualifications:** + Current graduate students with studies in **Finance, Business, Data Science,** **Economics, Econometrics,** **Computer Science, or** **relevant quantitative disciplines** **.** + Curious problem-solvers with a passion forproduct, business process, credit strategy transformation,leveraginglatesttechnology,platformsand tools, including AI capabilities. + Strong collaboratorwhocan **create** **customer-focused** **solutions** and drive **project execution** to build best-in-class productsandcutting-edgecapabilitiesthat will deepen customer relationshipsand drive sustainable growth forthebank. + **Champions** **process change** thatoperateswith a **Risk control mindset.** + Ability to definekey performance/success metrics, **build measurement frameworks** **,** and ensure data integrity. + Strong **quantitative** and **statistical** skills,with the ability to translate data intoactionablebusiness insights. + Knowledge ofcomputerprogramming skillsin data analytics,e.g.Python, R, anddatavisualizationtools,e.g.Tableau, Power BI. **Customer Accountabilities:** + Completes business objectives set together with leadership as outlined at the start of the program + Develops detailed, accurate, and timely research and reporting supported by insightful commentary + Conducts internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience + Conducts meaningful analysis at the functional or broader organizational level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices + Identifies/implements process improvements to automate, streamline, and increase of analysis and decisions + Represents business on cross-functional/cross-product working groups, projects, and forums + Works with key business partners on strategic initiatives + Liaison between internal stakeholders and external advisors, where appropriate + Manages and prioritize multiple projects, working with discretion and confidentiality + Advises and present senior management and influence decisions + Invests in personal development and growth + May be customer/client facing, and may be required to provide solutions for escalated inquiries or concerns **Shareholder Accountabilities:** + Adheres to organizational frameworks or methodologies that relate to activities for our business area + Ensures respective programs/policies/practices are well managed, meets business needs/priorities, and complies with internal/external requirements. + Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate + Ensures business operations are in compliance with applicable internal and external requirements ( e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + Protects the interests of the organization - identify and manage risks, and escalate non-standard, high risk activities as necessary + Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations + Monitors service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements + Leads / facilitates and/or implements actions/remediation plans to address performance/risk/governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with organizational and/or regulatory requirements + Keeps abreast of emerging issues/trends and evolving regulatory climate, and assess potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Participates fully as a member of the team, support a positive work environment that promotes service to the business, innovation, and teamwork and ensure timely communication of issues/points of interest + Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit + Remains current on trends, and grow knowledge of the business, related tools, technology and techniques + Committed to curiosity and a growth mindset and a hunger to innovate with purpose + 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/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. + Contributes to a fair, positive and equitable environment that supports a diverse workforce. + Act as a brand ambassador for your business area/function and the bank, internally and 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.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $95,264 - $155,376 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Analytics, Insights, & Artificial Intelligence **Job Description:** **Job Summary:** The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. **Depth & Scope:** + Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others + Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members + Scope of role may have enterprise impact + Focuses on short to medium - term issues (e.g. 6-12 months) + Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise + Oversees and/or independently performs tasks from end-to-end + May interact with any hierarchy level up to executive leaders and external vendors **Education & Experience:** + Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; + 5+ year of relevant experience; higher degree education and research tenure can be counted **Customer Accountabilities:** + Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs + Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience + Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business + Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate + Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations + Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution + Provides day-to-day support and delivery of analytics **Shareholder Accountabilities:** + Represents functional area as a business insights & analytics specialized expert + Synthesizes complex and vast amount of information and translates into actionable insights and strategy + Builds business requirements and facilitates project execution to develop insights + Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value + Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers + Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly + Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand + Provides business explanation for anomalies/outliers identified during analysis + Works with business functions and analytics teams to transition business requirements to analytics requirements + Trains business users on how to integrate analytics into decisions + Leverages knowledge of data capabilities to build and deliver insights + Develops analysis to corroborate initial proof of concept + Executes on data requests accurately and within a timely manner + Identifies and investigates data/analytics related issues + Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest + Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices + Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Group Benefit Solutions delivers comprehensive insurance and absence management solutions for mid-sized and large companies. Our work fosters a healthier, happier, and more secure workforce, contributing to New York Life's legacy of being there when we're needed most. Here, you'll design, implement, and support these solutions directly impacting employees' lives. At our core, we provide financial security and peace of mind to people through our absence, accident, disability, voluntary benefits, and life insurance solutions. Click here to learn more about Group Benefits solutions. About This Job LAUNCH your career with New York Life Group Benefit Solutions as a Full-Time Underwriting Analyst! LAUNCH, which stands for Leadership and Underwriting for New Career Hires, is designed to help you accelerate your underwriting career and establish early professional success. LAUNCH focuses on comprehensive technical training, hands-on learning, mentor support, and professional development opportunities. As part of our Group Benefit Solutions Underwriting team, you will have a direct impact on the financial results of our business while helping us deliver on a longstanding commitment of providing financial protection and peace of mind to the millions we serve. As an Underwriting Analyst, you will develop skills across several business competencies including: Risk Management & Assessment * Assess the risk and underwrite prospective and enforce clients within Group Benefit Solutions product portfolio: Life, Accident, Disability, Absence Administration, and Voluntary Benefits * Communicate pricing, profitability, and risk profile of clients with internal matrix partners * Contribute directly to company financial goals through risk decisions while balancing and maintaining favorable financial outcomes at a broader book of business level Collaboration & Consultation * Partner with other underwriting team members to effectively solve problems both internal and external to Group Benefit Solutions Underwriting * Negotiate with matrix partners to find creative and collaborative solutions that create long-term value for both our clients and our organization Professional Development & Leadership * Active engagement and involvement in the LAUNCH Program over the course of your first year * Continuous learning and development through both structured and non-structured training opportunities beyond your first year * Develop a growth mindset that embraces challenges, learns from and applies feedback, and finds inspiration from the success of team members Time & Priority Management * Act with a sense of urgency to meet assigned deadlines for specified tasks * Ability to use sound judgement when prioritizing several tasks at once What You'll Do As a Full-Time Underwriting Analyst in the LAUNCH Program, you can expect a structured start to your career that includes foundational training during your first year. Below is a sample timeline of what you can expect in year one and beyond: Your First Year * Participate in structured training sessions in the LAUNCH Program focusing on technical training and professional development opportunities. These sessions will consist of both classroom and hands-on learning opportunities that establish a solid foundational knowledge of underwriting concepts and principles. * Following each session, you will apply the concepts and principles learned in the program by working on active business opportunities that will eventually become larger and more complex. You will work alongside your mentor as you gain independence in your daily work and decision-making skills. After Your First Year * You will have completed the LAUNCH Program and will continue directly contributing to our business goals and results as an underwriter. * You will be assigned to support a sales region, manage an enforce book of business, and own more of the daily decision-making process. * You will continue to participate in training opportunities to enhance your underwriting knowledge through organizational Group Benefit Solution training sessions, coaching, and feedback from mentors and managers. * In addition to your core Underwriting responsibilities, there also exist many project opportunities that will allow you to engage with and build a network of peers both within Underwriting and across other New York Life departments. Where You'll Work The Underwriting Analyst position is in the Philadelphia Underwriting hub. The Philadelphia hub is in the heart of the city at Two Liberty Place surrounded by all the wonderful things Philly has to see and do. The Philadelphia hub is the largest Group Benefit Solutions Underwriting hub with a diverse group of talented individuals with a variety of backgrounds and experience levels. Over the years, we have continually grown our Philadelphia team through on campus recruiting efforts at several local universities Qualifications To join our dynamic team as a Full-Time Underwriting Analyst, you should have: * Bachelor's degree in the following majors and/or minors are preferred: Risk Management, Economics, Finance, Accounting, Mathematics, Data Analytics, Business Management, or a related field * Strong analytical and problem-solving skills * Preferred 3.0 GPA or higher * High comfort level with math/numbers * Excellent verbal and written communication skills * A passion and dedication to becoming a leader within the financial services industry * Strong business acumen along with leadership and innovative thinking skills with a focus on customer-centricity * Some travel may be required ( Pay Transparency Salary range: $60,000 Overtime eligible: Nonexempt Discretionary bonus eligible: Yes Sales bonus eligible: No Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program. Actual base salary within that range will be determined by several components including but not limited to the individual's experience, skills, qualifications, and job location. In addition to base salary, employees may also be eligible to participate in an incentive program. Our Benefits We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work. Click here to discover more about our comprehensive benefit options or visit our NYL Benefits Site. Our Commitment to Inclusion At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life's leadership in this space. Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of ******************** Job Requisition ID: 92486 #GBS

**Role Type:** Internship/Co-op **Work Term:** Summer/Term 3 New York, New York, United States of America **Hours:** 40 **Pay Details:** $67.00 - $67.00 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. **Job Description:** * Please only apply to no more than two lines of business. The US Graduate Leadership Intern Program is a 10-week internship that prepares you for the fulltime 2-year direct to impact development program and will accelerate your potential and place you at the center of a real-world transformational challenge, aimed at bettering the lives of the clients, colleagues, and communities we serve. The Retail Distribution team is transforming TD Bank's Retail franchise, which requires a reimagining of our work practices to effectively accelerate our progress. Management Interns in our Graduate Program will have the opportunity to make a significant impact on our customers, colleagues, and communities by **integrating AI** to redefine the way we work. **Key Initiative May Include:** + **Digital** **Onboarding** **-** **re-imagine** **the** **digital** **onbo** **arding** **experiences** **from** **shopping** **to** **applying** **to** **set-** **up and** **use** **across our** **consumer and small** **business** **customers** **.** + **Adoption** -increase digital adoptionby building outsolutions to migrate self-serve transactions from our Stores to digital throughfrictionless digital experiences. + **Engagement** - create hyper-personalized and relevant interactions, through nudges, SMS and in-app offers that drive customer value and increase shareholder value. + **AI Enablement** **-** leverage leading technologies to create Intelligent Virtual Assistants who can service and guide customers based on transactions and interactions across our mobile app. **Depth & Scope:** + Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders + Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs + Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels + Integrates the broader organizational context into advice and solutions within own area + Understands the industry, competition and the factors that differentiate the organization + Applies best practices to implement process, product or service improvements + Acts as a subject matter expert within their own area of specialty or a resource for others + Contributes to setting standards within area of expertise + Uses advanced methods to contribute to new solutions and recommend standards against which others will operate + Impacts a range of functional programs and operations across own and related teams + Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels + Works independently as the senior technical lead and guides others within area of expertise **Education & Experience:** + Pursuing a Graduate Degree in related field + 5+ years of related experience + Demonstrated leadership experience, a history of delivering strong results, and high aspirations and motivation for career progression to senior leadership roles **Preferred Qualifications:** + Current graduate students with studies in **Finance, Business, Data Science, Computer** **Science, or** **Robotics and Cognitive Science related fields** . + Curious problem-solvers with a passion for **digital trends, and innovative AI capabilities** . + Strong collaborator that can **create solutions** and drive **project execution.** + **Process engineer** that operates with a **Risk control mindset.** + Ability to define KPI's and **build measurement frameworks** and ensure data integrity + Strong **quantitative** and **statistical** skills with the ability to translate data into business insights. **Customer Accountabilities:** + Completes business objectives set together with leadership as outlined at the start of the program + Develops detailed, accurate, and timely research and reporting supported by insightful commentary + Conducts internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience + Conducts meaningful analysis at the functional or broader organizational level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices + Identifies/implements process improvements to automate, streamline, and increase of analysis and decisions + Represents business on cross-functional/cross-product working groups, projects, and forums + Works with key business partners on strategic initiatives + Liaison between internal stakeholders and external advisors, where appropriate + Manages and prioritize multiple projects, working with discretion and confidentiality + Advises and present senior management and influence decisions + Invests in personal development and growth + May be customer/client facing, and may be required to provide solutions for escalated inquiries or concerns **Shareholder Accountabilities:** + Adheres to organizational frameworks or methodologies that relate to activities for our business area + Ensures respective programs/policies/practices are well managed, meets business needs/priorities, and complies with internal/external requirements. + Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate + Ensures business operations are in compliance with applicable internal and external requirements ( e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + Protects the interests of the organization - identify and manage risks, and escalate non-standard, high risk activities as necessary + Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations + Monitors service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements + Leads / facilitates and/or implements actions/remediation plans to address performance/risk/governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with organizational and/or regulatory requirements + Keeps abreast of emerging issues/trends and evolving regulatory climate, and assess potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Participates fully as a member of the team, support a positive work environment that promotes service to the business, innovation, and teamwork and ensure timely communication of issues/points of interest + Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit + Remains current on trends, and grow knowledge of the business, related tools, technology and techniques + Committed to curiosity and a growth mindset and a hunger to innovate with purpose + 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/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. + Contributes to a fair, positive and equitable environment that supports a diverse workforce. + Act as a brand ambassador for your business area/function and the bank, internally and 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.

Portland, Maine, 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:** Data & Analytics **Job Description:** The Data Steward I provides data governance expertise and manages and / or executes data governance activities for a business or function. The role executes on business data strategy and deliverables in alignment with Data Policy, Standards and Strategy. The role also provides reporting, analysis, and assessments to support data governance within their business area or function. Appointed as a Data Steward for their business. **Depth & Scope:** + Subject matter expert level professional role requiring in-depth knowledge / expertise with respect to data governance and data asset risk management for a given business line and working knowledge of broader related areas + Analyzes current and emerging data related risks in day-to-day activities, operations, products and services within the Business, to ensure activities are within TD's Risk Appetite and policies + Governs and manages data under their stewardship, acting as a focal point for data governance within the Line of Business + Ensures their Line of Business (LOB) adheres to data related policies, standards and meets requirements set out by the Enterprise Data and Information Management Policy and Standards + Creates, designs, implements, and maintains LOB-specific processes, templates, and appropriate mitigating controls, to support enterprise data policy and standards and ensure effective management and control of LOB data + Ensures data-related activities are compliant with applicable laws and regulations + Provides 1st line oversight of LOB data management activities, including metadata and data quality management, data retention and disposition within BAU processes, projects, programs and change initiatives + Escalates data risks and issues and analyzes and provides advice to business owners in developing and implementing action plans for data risk mitigation and issue resolution + Works in partnership with control partners (i.e., Technology Risk Management, Legal, Privacy, Office of the Chief Data Officer (OCDO), LOB First Line of Defense partners, etc.) to protect the Bank's data assets + Creates and delivers training programs and tools, and provides advice, to ensure the governance and oversight of data + Helps define the Line of Business data strategy + Promotes a strong data risk management culture + Acts as a subject matter expert within their own area of specialty or a resource for others + Leads projects of moderately to complex risks 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 + Impacts a range of functional programs and operations across own and related teams + Analyzes guidelines, standards, policies and results of analysis to inform decision making at senior levels + Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels + Works independently as the senior technical lead and guides others within area of expertise + Analyzes and leads problem resolution for complex issues at all levels + Participates in project meetings/working sessions to provide advice on data governance requirements + Independently completes data impact assessments and provides direct input to project teams in how to appropriately safeguard and manage data. + Performs data quality analysis and assessment for critical business data and reports breaches through risk escalation forums. + Analyzes key business processes for the appropriate level of data controls, and advises on additional/revised controls if applicable. + Analyzes and documents metadata to support adherence to internal requirements and external regulatory requirements + Manages data risk across lifecycle of data element (production, movement and consumption) i.e., pRCSA review and approval + Establishes and maintains thought leadership of data driven considerations within the LOB as well as other 1B functions + Influences business to continuously review for emerging risks and provides advice on possible regulatory implications of risks and issues. + Proficiency in working across stakeholder teams to reach consensus on various topics in support of sound data management practices. + Analyzes business processes that are causing data quality issues and determines root cause for issues and business processes to prevent future issues. + Determines appropriate rules to evaluate the data quality at a data element level. + Works directly with senior members of project teams to confirm data governance requirements are delivered. Makes calculated compromises in support of projects to meet delivery dates while also delivering optimal data governance. + Provides input in how data management policies are operationalized within the line of business. + Analyzes key business processes for robustness of data controls and advises on changes/enhancements. + Advises on issues/challenges that should be taken into account within future business objectives. + Performs in-depth root cause analysis for data quality issues on behalf of management and stakeholder teams. **Education & Experience:** + Undergraduate degree or technical certificate + 5+years of relevant experience + Proficient knowledge of data governance/data management practices, enterprise data policy, standards &strategy + Proficient knowledge of M&A due diligence process, LOB data strategy, data risk management, and data life cycle management + Knowledge of current and emerging competitor and market trends + Skill in using analytical software tools, data analysis methods and reporting techniques + Skill in mentoring/coaching others + 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 judgement in making decisions + Ability to analyze, organize and prioritize work while meeting multiple deadlines + Ability to handle confidential information with discretion **Preferred Qualifications:** + Experience with Data governance surrounding projects & data issues, governance control, and risk + Operational Risk experience + Familiarity with KPI's and metrics + Excellent attention to detail + Strong organizational and time management skills + Strong communication skills (written and verbal) **Customer Accountabilities:** + Provides guidance to the Business on identification of critical data and critical data elements + Provides guidance and oversight on the business' metadata management and data quality tasks + Provides guidance and oversight on the business' data retention and disposition tasks + Partners with technology and architecture stakeholders to drive effective data activities for business + Acts as a SME and/or research and analyze data issues, remediate and implement changes in various data councils and other forums on behalf of their business + Provides specialized data governance / management advice / support to management / leadership and respective teams for area(s) of specialization with industry, external and internal, enterprise and business awareness; understands trends, identifies issues and opportunities and provides recommended action to management + Leads on the implementation of initiatives in support of the overall data policies, standards, and strategy + Manages a set data governance work activity requiring coordination across multiple areas + Supports / manages the integrated implementation of policies / processes / procedures / changes in across multiple functional areas + Provides data governance expertise and/or input to projects/initiatives as a representative for area of specialization, and where necessary participate in identifying, designing and testing solutions and supporting implementation activities + Participates in Segment Data Council meetings + Supports the identification of business data owners and business data SMEs for the LOB + Facilitates socialization and training of the LOB data governance and data management community on data policies, procedures, tools, and templates **Shareholder Accountabilities:** + Supports the stewardship of data in accordance with the Enterprise Data Policy, Standards and Strategy + Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s) + Ensures respective programs / policies / practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities + Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate + Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations + Conducts internal and external research projects; support the development / delivery of presentations / communications to management or broader audience + Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs / policies / practices + Monitors service, productivity and assesses efficiency levels within own function and implements continuous process / performance improvements where opportunities exists + Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Participates fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest + Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit + Keeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices. + Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships. + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Clementon, New Jersey, United States of America **Hours:** 20 **Pay Details:** $22 - $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. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.