Data Scientist

Data Scientist IIIWork Location: Charlotte, North Carolina, United States of AmericaHours: 40Pay Details: $96,130 - $155,950 USDTD 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 IntelligenceJob 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 CandidateThe 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 ResponsibilitiesDesign 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.This role is not eligible for TD work visa support or sponsorship (e.g., H-1B, F-1 OPT/STEM OPT, TN or other work visa authorizations). Applicants must be either a US Citizen or have a US Resident Green Card authorization, without current or future need for TD sponsorship.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 SummaryThe 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 accountabilityEnterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levelsUndertakes and completes a variety of complex initiatives requiring seasoned specialist knowledge and/or the integration of cross functional processesPosition typically deals with senior/executive managementWorks independently on activities related to analysis, design and support of technical data management solutions on various projects ranging in complexity and sizeFocuses on longer-range planning for functional area (e.g. 12 months or greater)May manage and prioritize multiple projects at a given timeEducation & 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 or5+ year of relevant experience; higher degree education and research tenure can be countedDesired 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 scienceIs familiar with the business context and data infrastructure and can translate business problems to viable data science solutionsUses 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 dataVisualizes 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 understandingCollaborates 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 businessShareholder Accountabilities:Analytical thought leadership and stays current on developments in data mining and the application of data scienceSolicits and offers ideas for improving business processes through insights with the objective of improving effectiveness and efficiencyEducates the organization on approaches, such as testing hypotheses and statistical validation of resultHelps the organization understand the principles and the math behind the scientist process to drive organizational alignmentTranslates up to date information into continuous improvement activities that enhances performanceAdheres to enterprise frameworks or methodologies that relate to activities for business areaEnsures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business prioritiesParticipates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situationsMonitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities existLeads/facilitates and/or implements action/remediation plans to address performance/risk/governance issuesActively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirementsKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impactsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteEmployee/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