Data Scientist II

Why Work with Us?

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 ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank’s size, complexity, and risk profile. In this role, you’ll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise, we’re looking for someone with an entrepreneurial mindset—someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.

Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you’ll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

The Fair Banking Compliance team oversees the governance and analytical processes to assure that predictive models and lending practices are fair and responsible. The Fair Banking Compliance analytics team is seeking a qualified Data Scientist II who will perform the quantitative analysis, model development, model review and related research to meet the business requirements of the team. This is a critical role in the oversight and review of models to ensure fair banking compliance. The incumbent of this role must have a strong working knowledge of building quantitative models, performing data analysis, recommending statistical tests, researching metrics and presenting results of data analysis. The role requires excellent verbal and written communication skills to communicate effectively with business partners.

Key Responsibilities:

• Develop\Review models (traditional regressions, AI/ML and Gen AI based) to ensure fair banking compliance
• Perform quantitative analysis to identify fair lending risks
• Identify potential alternative ways to mitigate fair lending bias arising from models/policies
• Develop specialized analytical tools for projects or ongoing use
• Compile and generate ad-hoc analytical reports
• Lead research efforts, applying expertise in statistical analysis and modeling
• Provide advisory support to line of business model owners regarding best practices for compliance guided by policies and industry standards/methods
• Lead cross-functional teams or projects with significant complexity
• Independently manage end-to-end functional programs
• Use sophisticated analytical mindset to exercise judgement and identify solutions
• Communicate complex results to non-technical audience
• Work autonomously as the lead and guide others within the area of expertise
• Independently handle multiple projects and prioritize based on changing business needs

Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.

Education & Experience:

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

Desired Skills & Experience:

• Doctorate degree in a quantitative field (e.g., Statistics, Economics, Mathematics, Computer Science, Engineering)
• Research experience is a plus.
• Strong statistics knowledge is required.
• Entrepreneurial spirit, strong attention to detail, ability to take the lead on projects, in depth interest in solving complex business problems with data and passion for spreading a culture of change towards data-driven decision making
• Demonstrated experience in development of predictive models using Python
• In-depth knowledge of quantitative models and statistical analysis, Experience working with AI/ML and Gen AI based models. Proficiency in Python is required
• Experience working with databases/datasets and data visualization tools (Tableau/Power BI)
• Strong communications skills, both written and verbal. Strong presentation skills; ability to communicate technical matters in a non-technical way & clearly present complex and sensitive issues

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.