Data Scientist III

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$96,130 - $155,950 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:

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact – both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization.

The Ideal Candidate

The Data Scientist III within the Fair and Responsible Banking 2LOD Complaints Team at TD will help to build the next generation of complaint intelligence and reporting capabilities.  The ideal candidate will possess strong data science, analytics, visualization, and leading technology skills with a practical understanding of compliance, risk, and data governance.  This role will be at the forefront of transforming complex customer complaint data into actionable insights that support US Compliance stakeholders, senior management, and multiple committees across TD.  The successful candidate will be comfortable interfacing with a myriad of complaint data stakeholders, translating business needs into scalable complaint data products, tools, and reports, as well as embracing AI enabled capabilities, including Machine Learning, NLP, and LLMs while fostering clear human in the loop controls, transparency, and governance.

Key Responsibilities

• Design and develop modern complaint intelligence capabilities that transform complaint data into meaningful, action insights to inform compliance, risk mitigation, and identify potential customer harm.

• Develop and maintain a robust inventory of complaint dashboards, reporting, and analytics products using software tools such as Power BI, Python, SQL, R, Excel, and PowerPoint to deliver decision ready information to TD partners.

• Apply advanced analytics, machine learning, NLP, and LLM capabilities to identify complaint trends, emerging risks, themes, root causes, and customer impact to inform compliance strategies.

• Launch new complaint data products and analytical tools from requirements gathering, design, development, testing, implementation, and ongoing maintenance.

• Provide effective oversight of 1LOD complaint data handling including complaint taxonomy, data methodology, data quality, data completeness, data lineage, controls, and data interpretation.

• Translate complex analytical findings from complaint data into compelling business narratives, tailoring insights, visualizations, dashboards, and presentations to different audiences.

• Ensure responsible AI and human in the loop approaches consistent with TD policies, procedures, and governance requirements.

The above details are specific to the role which is outlined in the Job Description Summary below. Please review the Desired Skills and Experience section below as you consider this opportunity.

Job Description Summary

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

Depth & Scope:

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

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

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

• Position typically deals with senior/executive management

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

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

• May manage and prioritize multiple projects at a given time

Education & Experience:

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

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

Desired Skills & Experience:

• 5+ years of experience in Data Science, Advanced Analytics, and Business Intelligence, preferably within banking or financial services.

• Advanced technical and analytical expertise including Python, R, SQL, machine learning, statistical analysis, NLP, and working with large and complex datasets.

• Strong business intelligence and data visualization skills with practical experience using Power BI and or Tableau, Excel, and PowerPoint skills to develop executive level dashboards and data summaries.

• Proven experience applying AI and advanced analytics to unstructured data, including NLP, LLMs, Generative AI, text classification, theme classification, and incorporating best practices for human in the loop accountability.

• Strong compliance, data governance, data quality, and stakeholder management capabilities.

Customer Accountabilities:

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

• Is familiar with the business context and data infrastructure and can translate business problems to viable data science solutions

• Uses a wide range of programing languages (e.g. Python) and techniques for extracting and preparing data, applying statistics and various advanced analytics, along with business acumen to extract insights from the big data

• Visualizes insights from the data to tell and illustrate stories that clearly convey the meaning of results to decision-makers and stakeholders at every level of technical understanding

• Collaborates with other partners, such as data and business analysts, software engineers, data engineers, and application developers to develop scalable and sustainable data science solutions that retains long term benefit to the business

Shareholder Accountabilities:

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

• Solicits and offers ideas for improving business processes through insights with the objective of improving effectiveness and efficiency

• Educates the organization on approaches, such as testing hypotheses and statistical validation of result

• Helps the organization understand the principles and the math behind the scientist process to drive organizational alignment

• Translates up to date information into continuous improvement activities that enhances performance

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

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

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

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

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

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

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

• Maintains a culture of risk management and control, supported by effective

• processes in alignment with risk appetite

Employee/Team Accountabilities:

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

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

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

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

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

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

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

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

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

Physical Requirements:

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

• Domestic Travel – 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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.

 

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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.