Business Insights Specialist (US)- Decision Science -Deposits

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $ 96,130 - $144,190 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: The Finance – Decision Science team is dedicated to delivering new account profitability analytics for several US Consumer products. These analytics play a key role in evaluating marketing investments, business cases, and providing actionable insights that move the business forward. To achieve this, the team leverages strong foundations in data and automation, enabling highly segmented frameworks that support sophisticated analysis. Our group works closely with both business and marketing teams, collaborating to optimize campaigns and strategies that drive profitable growth. 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. Overseers 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. Preferred Qualifications Strong expertise in profitability analysis for consumer banking products, including deposit and lending portfolios. Proven ability to communicate complex analytical findings through effective data visualization and compelling business storytelling. Experienced at financial analysis and financial model-building with strong technical skills (Excel, VB, Power BI) Some coding a plus: SAS, SQL, PySpark, Python Hands on experience with Microsoft co-pilot 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 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 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. 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