Data Scientist - Financial Crime Customer Risk (AML/KYC)

TD Bank•Greenville, NY

1d•Onsite

About The Position

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 have authorization to work in the United States without current or future need for TD sponsorship. TD's Financial Crime Risk Management (FCRM) organization protects the Bank, its customer and the broader financial system from money laundering, terrorist financing, sanctions evasion, and related criminal activity. Within FCRM, the Know Your Customer (KYC) program ensures the Bank maintains a current, accurate understanding of its customers and the risk they present. The US KYC Customer Risk Rating (CRR) team is the analytical core of that program: we design, enhance, and operate the model and data pipelines that assign each customer a risk rating – the rating that drives due-diligence intensity, review cadence, and downstream compliance activity across the enterprise. The team combines data science, data engineering, and regulatory acumen, working primarily in Oracle SQL, Python, and Azure/Databricks, and partners closely with model risk, compliance testing, and technology stakeholders. 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.

Requirements

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
Advanced SQL in Oracle or comparable enterprise RDBMS, including performance tuning of large production queries
Hands-on experience with Azure, Databricks, and Spark-based analytics at scale
Delivering analytics to non-technical stakeholders
Experience operating in a model-governed environment – model change documentation, impact analysis, and supporting validation
Experience supporting regulatory exams or internal audit requests
Must have authorization to work in the United States without current or future need for TD sponsorship

Nice To Haves

Experience in AML/BSA, KYC, sanctions, or broader financial crime compliance; familiarity with customer risk rating methodologies

Responsibilities

Provides technical leadership across the overall Analytics function which may have an enterprise mandate.
Provides deep technical knowledge and expertise in client interactions to explain complex data analysis related material.
Works closely with business owners to identify opportunities and serves as an ambassador for data science.
Is familiar with the business context and data infrastructure and can translate business problems to viable data science solutions.
Uses 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 data.
Visualizes 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 understanding.
Collaborates 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 business.
Analytical thought leadership and stays current on developments in data mining and the application of data science.
Solicits and offers ideas for improving business processes through insights with the objective of improving effectiveness and efficiency.
Educates the organization on approaches, such as testing hypotheses and statistical validation of result.
Helps the organization understand the principles and the math behind the scientist process to drive organizational alignment.
Translates up to date information into continuous improvement activities that enhances performance.
Adheres to enterprise frameworks or methodologies that relate to activities for business area.
Ensures respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities.
Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations.
Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist.
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.
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.