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Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$122,304 - $199,680 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Analytics, Insights, & Artificial Intelligence

Job Description:

Department Overview** **:

ORM Lead Business Insights Specialist, Stress Testing & Scenario Analysis will serve as a key resource leading ORM’s stress testing and scenario analysis program. This role requires ability to execute advanced quantitative modeling along with managing high-stakes regulatory governance.

The Lead Business Insights Specialist acts as an advisor to business leaders and stakeholders. This role provides comprehensive analytical support, interpretation of complex data, BI or analytics outcomes to generate multidimensional insights that drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations.

Depth & Scope** **:

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

Enterprise domain/functional and deep specialized knowledge at the enterprise, business, regulatory and industry levels

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

Typically deals with senior/executive management

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

May manage and prioritize multiple projects at a given time

May interact with any hierarchy level up to executive leaders and external vendors

Primary Accountabilities** **:

Regulatory Execution: Lead the end-to-end delivery of the ORM Stress Testing Program, ensuring all regulatory requirements for operational risk losses and capital are met within required timelines.

Scope: Manage the execution of:

US Regulatory: Dodd-Frank Act Stress Testing (DFAST) and Comprehensive Capital Analysis and Review (CCAR).

Canadian Regulatory: OSFI Macro Stress Test (MST).

Internal: Annual Enterprise-wide Stress Test (EWST) and ad-hoc requests.

Scenario Analysis: Lead the development and implementation of the Scenario Analysis program, ensuring alignment with enterprise standards and regulatory requirements.

Methodology & Documentation: Aid in the development and execution of the methodology, procedures, and documentation for operational risk stress testing programs.

Collaboration: Partner extensively with key stakeholders to ensure program success, including Model Development and Model Validation, ORM Internal Loss Event Data team, Enterprise Capital Stress Testing, US CCAR Governance team, Finance, Regulators, and External Consultants

Advanced Analytics: Utilize Python to handle large datasets and apply modeling techniques such as Loss Distribution Approach (LDA), Regression Modeling, and Scenario Analysis to forecast losses.

Process Automation: Design and deploy Power Automate flows to streamline data collection from stakeholders (e.g., Scenario Analysis workshops) and automate approval workflows.

Reporting & Visualization: Build and maintain Power BI dashboards to visualize stress test results and scenario impacts for senior management and the US CCAR Governance team.

Preferred Qualifications** **:

5+ years of experience in stress testing (CCAR/DFAST), operational risk modeling, or capital planning.

Experience with OSFI (Canada) regulatory requirements is a strong asset, in addition to US Fed requirements.

Master’s degree in a quantitative discipline (Finance, Statistics, Economics, Data Science).

Proficient in data manipulation (Pandas) and statistical modeling.

Advanced skills in Power BI (reporting) and Power Automate (workflow optimization).

Deep understanding of operational risk capital methodologies (LDA, Monte Carlo, Frequency/Severity modeling).

Proven ability to manage regulatory relationships and defend methodologies to Model Validation and Audit.

Strong leadership skills to oversee a focused team of professionals.

Education & Experience** **:

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

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

Customer Accountabilities** **:

Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs

Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience

Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business

Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate

Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations

Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution

Provides day-to-day support and delivery of analytics

Shareholder Accountabilities** **:

Represents functional area as a business insights & analytics specialized expert

Synthesizes complex and vast amount of information and translates into actionable insights and strategy

Builds business requirements and facilitates project execution to develop insights

Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value

Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers

Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly

Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand

Provides business explanation for anomalies/outliers identified during analysis

Works with business functions and analytics teams to transition business requirements to analytics requirements

Trains business users on how to integrate analytics into decisions

Leverages knowledge of data capabilities to build and deliver insights

Develops analysis to corroborate initial proof of concept

Executes on data requests accurately and within a timely manner

Identifies and investigates data/analytics related issues

Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)

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

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

Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts

Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities** **:

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest

Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit

Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques

Participates in personal performance management and development activities, including cross training within own team

Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities

Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices

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

Contributes to a fair, positive and equitable environment that supports a diverse workforce

Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements** **:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

Domestic Travel – Occasional

International Travel – Never

Performing sedentary work – Continuous

Performing multiple tasks – Continuous

Operating standard office equipment - Continuous

Responding quickly to sounds – Occasional

Sitting – Continuous

Standing – Occasional

Walking – Occasional

Moving safely in confined spaces – Occasional

Lifting/Carrying (under 25 lbs.) – Occasional

Lifting/Carrying (over 25 lbs.) – Never

Squatting – Occasional

Bending – Occasional

Kneeling – Never

Crawling – Never

Climbing – Never

Reaching overhead – Never

Reaching forward – Occasional

Pushing – Never

Pulling – Never

Twisting – Never

Concentrating for long periods of time – Continuous

Applying common sense to deal with problems involving standardized situations – Continuous

Reading, writing and comprehending instructions – Continuous

Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (http://hrportal.ehr.com/tdtotalrewards)

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 [email protected] . 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.