TD Bank

Data Scientist II

TD Bank • $81K — $115K *
Montreal, QC H1A 0A1In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Undergraduate or graduate degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative field.
  • 3-5+ years of experience in data science, machine learning, statistical modeling, or advanced analytics.
  • Strong hands-on proficiency in Python, SQL, machine learning, statistical analysis, feature engineering, and data visualization.
  • Experience developing and evaluating predictive models in a business or production-oriented environment.
  • Strong presentation, written communication, and stakeholder management skills.
  • Ability to explain technical methods, model results, limitations, and business impact to different audiences.
  • Ability to independently manage development activities across multiple initiatives in a fast-paced environment.

Responsibilities

  • Develop, validate, and optimize machine learning and statistical models for fraud detection and risk use cases.
  • Lead end-to-end model development activities including data discovery, exploratory analysis, and performance evaluation.
  • Evaluate internal models against vendor models using appropriate fraud and risk metrics.
  • Build reproducible and well-documented analytical workflows using Python, SQL, and enterprise data platforms.
  • Perform model monitoring, stability analysis, and issue investigation to identify risks and gaps.
  • Prepare model documentation and analytical evidence for governance reviews and lifecycle management.
  • Analyze customer and fraud behaviour to identify trends and feature opportunities.

Benefits

  • Work with cutting-edge analytics and artificial intelligence in a key area of financial risk.
  • Collaborate with cross-functional teams to drive impactful business solutions.
  • Opportunity for continuous improvement and development of internal modeling standards and frameworks.
  • Hands-on role with significant exposure to technical and non-technical stakeholders and audience.
  • Diverse environment in Montreal with potential language support opportunities.
Full Job Description
Work Location:
Montréal, Quebec, Canada

Hours:
37.5

Line of Business:
Analytics, Insights, & Artificial Intelligence

Pay Details:
$81,600 - $115,200 CAD

Job Description:

Role Overview

The Data Scientist II will be responsible for developing, validating, and optimizing internal fraud and authentication models that support TD's objective of expanding proprietary risk capabilities and reducing reliance on external vendor models. The role covers the end-to-end model development lifecycle, including data discovery, feature engineering, experimentation, model evaluation, documentation, business impact assessment, and productionization support.

This is a hands-on development role with significant responsibility for presenting results and communicating with technical and non-technical stakeholders. The successful candidate will partner with Strategy, Engineering, Product, Data, Model Validation, and Risk teams to translate business challenges into scalable analytical solutions.

Key Responsibilities

  • Develop, validate, and optimize machine learning and statistical models for fraud detection, authentication, identity verification, account opening, account takeover, scam detection, and related risk use cases.


  • Lead end-to-end model development activities, including data discovery, exploratory analysis, data preparation, feature engineering, experimentation, model training, hyperparameter tuning, performance evaluation, and business impact assessment.


  • Evaluate internal models against vendor models and existing business strategies, using appropriate fraud and risk metrics such as capture rate, false-positive rate, lift, precision, recall, stability, and customer friction.


  • Build reproducible and well-documented analytical workflows using Python, SQL, and enterprise data platforms, and support implementation and productionization with Engineering, FICO, MLOps, and platform teams.


  • Perform model monitoring, stability and segmentation analysis, performance diagnostics, and issue investigation to identify degradation, data gaps, and remediation actions.


  • Prepare model documentation and analytical evidence for Model Validation, Model Risk Management, governance reviews, approvals, and lifecycle management.


  • Analyze customer, authentication, and fraud behaviour to identify emerging trends, risk gaps, feature opportunities, and areas where internal models can improve detection coverage.


  • Prepare and deliver executive-ready presentations, technical documentation, reports, and business impact summaries for technical and non-technical audiences.


  • Lead cross-functional discussions to align stakeholders on data requirements, model scope, success criteria, risks, dependencies, timelines, implementation considerations, and next steps.


  • Contribute to continuous improvement of internal modeling standards, reusable analytical frameworks, development practices, and proprietary fraud and authentication capabilities.


Qualifications Required

  • Undergraduate or graduate degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative field.


  • 3-5+ years of experience in data science, machine learning, statistical modeling, or advanced analytics.


  • Strong hands-on proficiency in Python, SQL, machine learning, statistical analysis, feature engineering, and data visualization.


  • Experience developing and evaluating predictive models in a business or production-oriented environment.


  • Strong presentation, written communication, and stakeholder management skills.


  • Ability to explain technical methods, model results, limitations, and business impact to different audiences.


  • Ability to independently manage development activities across multiple initiatives in a fast-paced environment.


Preferred / Strong Assets

  • Previous experience with Model Validation (MV), model risk, model governance, or independent model review processes.


  • Experience in fraud analytics, authentication, cybersecurity, financial crime, identity verification, or digital banking.


  • Experience developing fraud, risk, or customer behaviour models using highly imbalanced datasets.


  • Experience with Azure Databricks, Azure Machine Learning, MLOps pipelines, Streamlit, FICO platforms, or other cloud-based analytics environments.


  • Experience supporting model implementation, production deployment, performance monitoring, and lifecycle management.


  • Familiarity with graph analytics, network analysis, or advanced AI techniques is an asset.


  • modeling capabilities.


Language Requirement (Quebec only):
Maîtrise d'une langue autre que le français pour offrir du soutien ou traiter avec des employés ou des collègues qui ont besoin de services et de soutien dans une langue autre que le français.

About TD Bank

TD Securities offers a range of advisory and capital market services to its clients. The company's range of services includes research, investment banking, capital markets, and global transaction banking. Research consists of commodity and equity research. Investment banking consists of mergers, acquisitions, industry expertise, and credit origination. Global transaction banking consists of trade finance, cash management, and correspondent banking. TD Securities was founded in 1855 and is based in Ontario.

TD Bank Careers

Join the vibrant team at TD Bank, one of North America's leading financial services organizations, where innovation, leadership, and growth go hand in hand. At TD Bank, we are committed to fostering a culture of diversity and inclusion, making it an ideal place for ambitious professionals to thrive. Work You’ll Do At TD Bank, your professional journey is bolstered by a robust support system. From your first interview to every career milestone, you will find opportunities for growth and leadership. Our team is dedicated to helping you develop the skills necessary for success in the ever-evolving financial sector. TD Bank offers a variety of job opportunities across multiple fields, from customer service to investment banking. Each position at TD Bank is a chance to contribute to our culture of innovation and exceptional client service. Internship Programs Kickstart your career with a TD Bank internship. Our programs provide invaluable industry exposure and hands-on experience, making them a perfect starting point for students and recent graduates eager to make their mark in the banking industry. Interns at TD Bank enjoy the unique opportunity to work alongside seasoned professionals, gaining insights that are crucial for future employment. Benefits and Growth TD Bank is deeply committed to the well-being and continuous growth of our team members. We offer competitive benefits packages that cover health, finance, and family care. Our employees enjoy comprehensive health insurance, retirement plans, and generous paid time off, among other perks. Moreover, TD Bank encourages professional development through various training programs, including leadership development and diversity training. These initiatives ensure that our team remains at the forefront of industry standards and best practices. Join Our Team Explore the numerous career paths available at TD Bank and discover how your skills and interests align with our mission. We are actively hiring and continually looking for talented individuals who are passionate about banking and customer service. Networking and Professional Development At TD Bank, we believe in the power of networking and collaboration. Our employees have access to a wide range of networking events, workshops, and seminars that promote career development and professional growth. These platforms not only enhance your professional skills but also expand your industry connections. Stay Connected Keep up to date with the latest at TD Bank Careers by subscribing to our job alert emails. Tailor your subscription to match your career preferences and get the latest news, insider tips, and job opportunities delivered straight to your inbox. Explore job opportunities at TD Bank and be part of a team that values hard work, creativity, and a diverse workplace culture. Your next great career move is just a click away. SEARCH TD BANK JOBS Join us at TD Bank and let your ambition lead you to a rewarding career filled with opportunities to learn, grow, and innovate.
Learn more about TD Bank
Size
90,000 employees
Market Cap
$117.9 billion
Industry
Finance & Insurance
Net Income
-$6.9 million
5 Year Trend
+6.6%
* Ladders Estimates

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