Data Scientist III (US) - FCRM

TD Bank•Mount Laurel, NJ

1d•Onsite

About The Position

The Data Scientist III provides technical leadership across the Analytics function and deep technical expertise in client interactions, explaining complex data analysis. This role supports development and delivery of Financial Crimes Risk Management (FCRM) analytics and reporting, including Transaction Monitoring metrics, executive and governance reporting, and ad hoc analytical requests. It works with large, complex datasets to translate business requirements into accurate, actionable reporting and insights for senior management, regulators, and FCRM stakeholders. The role develops and maintains reporting logic using SQL, Databricks, and Python, and owns deliverables from requirements through development, validation, documentation, and final delivery. Strong analytical discipline, documentation, and quality control are critical. The position works independently on complex initiatives and technical data-management solutions, often involving cross-functional processes and senior or executive management. It may manage and prioritize multiple projects, contribute to longer-range functional planning, and serve as an enterprise or functional expert. The role collaborates with business owners and partners to identify opportunities, translate business problems into data-science solutions, prepare and analyze data, visualize findings, and communicate insights to stakeholders with varying technical backgrounds. It also contributes to analytical thought leadership, process improvement, risk and governance management, regulatory alignment, and team development. Applicants must be U.S. citizens or U.S. lawful permanent residents and must not require current or future TD sponsorship. This role is not eligible for TD work-visa support or sponsorship.

Requirements

U.S. citizenship or U.S. lawful permanent residency; must not require current or future TD sponsorship.
Strong hands-on experience with SQL, Databricks, and Python.
Strong analytical and quality-control skills, including data reconciliation, issue identification, and independent validation of results.
Strong documentation skills, including documentation of requirements, query logic, testing and validation evidence, procedures, and changes.
Ability to translate ambiguous business questions and ad hoc requests into clear analytical solutions.
Ability to communicate complex findings clearly to senior management and non-technical stakeholders.
Strong organizational skills and ability to manage recurring reporting and competing ad hoc priorities.
Undergraduate degree or advanced technical degree preferred; relevant fields include mathematics, physics, engineering, finance, or computer science.
Graduate degree preferred, with progressive project-work experience or at least five years of relevant experience; higher-degree education and research tenure may count toward experience.

Nice To Haves

Experience in Financial Crimes, AML, Transaction Monitoring, Compliance Risk Analytics, or regulatory reporting.
Experience developing executive, governance, regulatory, and analytical reporting from complex datasets.
Knowledge of AML and Transaction Monitoring.
Graduate degree.

Responsibilities

Support the development and delivery of FCRM analytics and reporting, including Transaction Monitoring metrics, executive and governance reporting, and ad hoc analysis.
Translate business requirements and ambiguous questions into accurate, actionable reporting and analytical solutions using complex datasets.
Develop and maintain reporting logic using SQL, Databricks, and Python.
Own deliverables from requirements gathering through development, validation, documentation, and final delivery.
Perform data reconciliation, identify issues, and independently validate results to maintain quality and accuracy.
Document business requirements, query logic, testing and validation evidence, procedures, and changes.
Communicate complex findings and analytical results clearly to senior management, regulators, FCRM stakeholders, and non-technical audiences.
Work with business owners to identify opportunities and translate business problems into viable data-science solutions.
Extract and prepare data, apply statistics and advanced analytics, and visualize insights to inform decision-makers.
Collaborate with data and business analysts, software engineers, data engineers, application developers, and other partners on scalable, sustainable solutions.
Provide analytical thought leadership and stay current on developments in data mining and data science.
Promote process improvements and educate the organization on hypothesis testing, statistical validation, and the principles behind data-science methods.
Ensure programs, policies, and practices meet business needs, internal and external requirements, and business priorities.
Participate in cross-functional and enterprise initiatives as a subject-matter expert, identifying risks and providing guidance for complex situations.
Monitor service, productivity, and efficiency, and implement process and performance improvements.
Lead or facilitate action and remediation plans addressing performance, risk, or governance issues.
Maintain relationships across business lines and control functions and support alignment with enterprise and regulatory requirements.
Keep abreast of emerging issues, trends, and regulatory requirements and assess potential impacts.
Participate fully as a team member, share project status and relevant information, contribute to knowledge transfer and team development, and mentor others.
Manage and prioritize multiple projects and contribute to longer-range planning for the functional area.

Benefits

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
Reward and recognition
Variable compensation or incentive awards, potentially including cash and/or equity awards
Training programs
Online learning platform
Mentoring programs