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.Job DescriptionThis 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 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.Department OverviewThe US FCRM Data Analytics team supports financial crime risk management through ad hoc analytics, internal audit and regulatory data requests, BAU reporting, machine learning, and advanced analytical solutions. This role will focus on complex analytics initiatives requiring strong technical skills, AML knowledge, AI/ML expertise, and the ability to independently translate business requirements into actionable analysis. The successful candidate will work with large and complex datasets to develop analytics, reporting, and AI-driven solutions that support risk management, regulatory commitments, investigative teams, and strategic business initiatives.Depth & ScopeGenerally 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 & ExperienceUndergraduate 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 countedPreferred SkillsStrong SQL, Python, Databricks, Oracle, Azure, and cloud data platform experience.Experience with machine learning, generative AI, large language models (LLMs), agentic AI, prompt engineering, and AI-powered business solutions.AML, Financial Crime, Compliance, Audit, Risk, or Transaction Monitoring experience.Experience with AML and transaction related system architectures preferred.Experience supporting ad hoc analytics, internal audit, and regulatory data requests.Strong data validation, reconciliation, testing, documentation, and analytical problem-solving skills.Ability to independently drive analysis from concept through delivery.Strong organization, communication, and stakeholder management skills.Customer AccountabilitiesWorks 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 programming 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 AccountabilitiesAnalytical 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 AccountabilitiesParticipates 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 interestProvides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unitKeeps current on emerging trends/developments and grows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationshipsContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand ambassador for your business area/function and the bank, both internally and/or externallyPhysical RequirementsNever: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – Occasional