Data Scientist III - FCRM Risk Modeling

TD • Boston, MA

1d • $96,130 - $155,950

About The Position

The Data Scientist III provides technical leadership across the Analytics function, which may have an enterprise-wide mandate. The role applies deep technical knowledge and expertise in interactions with clients and stakeholders, explaining complex data analysis. It works within TD’s US Financial Crime Risk Modeling & Advanced Analytics team to develop, maintain, and enhance enterprise AML/CTF models and AI solutions that support regulatory compliance, internal policies, global strategies, emerging-risk needs, and industry practices. The team’s work includes customer rating, sanctions screening, transaction monitoring, emerging risk, model performance monitoring, analytics, and reporting.

The position is accountable for significant business management areas with enterprise-wide impact, requires broad managerial and specialized expertise, and handles complex initiatives involving cross-functional processes. It works independently on technical data management analysis, design, and support across projects of varying complexity, focuses on longer-range functional planning, and may manage multiple projects. The role works closely with business owners and technical partners to translate business problems into scalable data science solutions, communicate insights to stakeholders, improve processes, and help maintain effective risk management and governance.

Requirements

• At least 5 years of relevant experience, or qualifying higher-degree education and research tenure.
• Proficiency in Python and SQL.
• Strong foundation in regression, classification, machine learning models, and anomaly detection techniques.
• Applicants must be U.S. citizens or U.S. lawful permanent residents and must not require current or future TD work visa sponsorship.
• Ability to work independently on analysis, design, and support of technical data management solutions and complex initiatives.

Nice To Haves

• Undergraduate or advanced technical degree, such as in mathematics, physics, engineering, finance, or computer science; a graduate degree is preferred.
• Experience in financial crimes or compliance risk analytics.
• Hands-on experience with generative AI applications, including fine-tuning or prompting large language models.
• Ability to build analytical solutions using LLM APIs and use generative AI applications to develop data-labeling solutions.

Responsibilities

• Work with business owners to identify opportunities and act as an ambassador for data science.
• Understand business context and data infrastructure, and translate business problems into viable data science solutions.
• Extract and prepare data using programming languages and techniques, apply statistics and advanced analytics, and derive insights from large datasets.
• Visualize and communicate analytical findings to decision-makers and stakeholders with varying levels of technical understanding.
• Collaborate with data and business analysts, software engineers, data engineers, and application developers to build scalable, sustainable solutions with long-term business value.
• Provide analytical thought leadership and stay current on data mining and data science developments.
• Suggest improvements to business processes using insights to increase effectiveness and efficiency.
• Educate the organization on hypothesis testing, statistical validation, and the principles and mathematics behind data science.
• Translate current information and emerging developments into continuous improvement activities.
• Follow applicable enterprise frameworks and methodologies; ensure programs, policies, and practices meet business needs and internal and external requirements.
• Participate in cross-functional and enterprise initiatives as a subject matter expert, identifying risks and guiding complex situations.
• Monitor service, productivity, and efficiency, and implement process and performance improvements.
• Lead, facilitate, or implement remediation plans for performance, risk, or governance issues.
• Manage relationships across business lines and control functions, aligning work with enterprise and regulatory requirements.
• Monitor emerging issues, trends, and regulatory changes and assess their potential impact.
• Support a culture of risk management and control aligned with risk appetite.
• Contribute to a collaborative team environment, communicate project status and relevant information, and participate in knowledge transfer and team development.
• Mentor others and share knowledge, experience, and best practices.
• Build productive relationships with internal and external business partners and stakeholders.
• Participate in performance management, professional development, and cross-training activities.
• Act as a brand ambassador for the business area and the bank.

Benefits

• Base salary and variable compensation or incentive awards, potentially including cash and/or equity awards through an incentive plan.
• 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, training, mentoring, and reward and recognition programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed