Data Scientist III

Build complaint intelligence and reporting capabilities using advanced analytics, machine learning, NLP, and LLM approaches in a compliance-focused data science role.

Responsibilities

• Design and develop modern complaint intelligence capabilities that transform complaint data into actionable insights for compliance and risk mitigation, including identification of potential customer harm
• Create and maintain a robust inventory of complaint dashboards, reporting, and analytics products using Power BI, Python, SQL, R, Excel, and PowerPoint to deliver decision-ready information to TD partners
• Apply advanced analytics, machine learning, NLP, and LLM capabilities to identify complaint trends, emerging risks, themes, root causes, and customer impact to inform compliance strategies
• Launch new complaint data products and analytical tools end-to-end: requirements gathering, design, development, testing, implementation, and ongoing maintenance
• Provide oversight of 1LOD complaint data handling including complaint taxonomy, data methodology, data quality, data completeness, data lineage, controls, and data interpretation
• Translate complex analytical results from complaint data into business narratives through insights, visualizations, dashboards, and presentations tailored to different audiences
• Ensure responsible AI with human-in-the-loop approaches aligned to TD policies, procedures, and governance requirements
• Lead or complete complex initiatives requiring seasoned specialist knowledge and/or integration of cross-functional processes
• Work independently on analysis, design, and support of technical data management solutions across projects of varying complexity and size
• Perform longer-range planning for the functional area (for example, 12 months or greater) and manage/prioritize multiple projects at a time
• Partner with business owners to identify opportunities and act as an ambassador for data science
• Stay current on developments in data mining and the application of data science; provide analytical thought leadership
• Solicit and share ideas to improve business processes using data-driven insights focused on effectiveness and efficiency
• Educate the organization on hypothesis testing and statistical validation approaches, and help explain the principles and math behind the “scientist” process to support alignment
• Adhere to enterprise frameworks/methodologies related to business-area activities and ensure programs/policies/practices meet business needs and comply with internal/external requirements
• Participate in cross-functional/enterprise initiatives as a subject matter expert, including risk identification and guidance for complex situations
• Monitor service and productivity and implement continuous process/performance improvements where opportunities exist
• Lead/facilitate and/or implement action and remediation plans to address performance, risk, and governance issues
• Actively manage relationships across business lines, corporate functions, and control functions to ensure alignment with enterprise and/or regulatory requirements
• Maintain a risk management and control culture aligned with risk appetite and support a positive team environment through timely communication
• Support knowledge transfer via mentorship, sharing best practices, and contributing to team capability development
• Support personal performance management and development activities, including cross training
• Serve as a brand ambassador for the business area/function and the bank internally and/or externally

Requirements

• 5+ years of relevant experience (higher degree education and research tenure can be counted)
• Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance, or computer science); graduate’s degree preferred with progressive project work experience
• 5+ years of experience in Data Science, Advanced Analytics, and Business Intelligence, preferably within banking or financial services
• Advanced technical and analytical expertise in Python, R, SQL, machine learning, statistical analysis, NLP, and working with large and complex datasets
• Strong business intelligence and data visualization skills, including practical experience with Power BI and/or Tableau, plus Excel and PowerPoint for executive dashboards and data summaries
• Proven experience applying AI and advanced analytics to unstructured data, including NLP, LLMs, generative AI, text classification, theme classification, and human-in-the-loop accountability best practices
• Strong capabilities in compliance, data governance, data quality, and stakeholder management
• Ability to work independently on analysis/design/support of technical data management solutions across projects

Technologies

• Power BI
• Python
• SQL
• R
• Excel
• PowerPoint
• Machine Learning
• NLP
• LLMs
• Generative AI
• Text classification
• Theme classification
• Tableau

Benefits

• Base salary and variable compensation/incentive awards (eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan)
• Health and well-being benefits
• Savings and retirement programs
• Paid time off (Vacation PTO, Flex PTO, Holiday PTO)
• Banking benefits and discounts
• Career development
• Reward and recognition

Work Location

• Charlotte, North Carolina, United States of America
• Onsite

Hours

• 40 hours

Pay Details

• $96,130 - $155,950 USD (per year)

Line of Business

• Analytics, Insights, & Artificial Intelligence

Work Authorization

• This role is not eligible for TD work visa support or sponsorship (for example, H-1B, F-1 OPT/STEM OPT, TN, or other work visa)
• Applicants must be either a US Citizen or have a US Resident Green Card authorization, without current or future need for TD sponsorship

Physical Requirements

• Domestic travel: Occasional
• International travel: Never
• Sedentary work: Continuous
• Multiple tasks: Continuous
• Operating standard office equipment: Continuous
• Responding quickly to sounds: Occasional
• Sitting: Continuous
• Standing: Occasional
• Walking: Occasional
• Moving safely in confined spaces: Occasional
• Lifting/Carrying (under 25 lbs.): Occasional
• Lifting/Carrying (over 25 lbs.): Never
• Squatting: Occasional
• Bending: Occasional
• Kneeling: Never
• Crawling: Never
• Climbing: Never
• Reaching overhead: Never
• Reaching forward: Occasional
• Pushing: Never
• Pulling: Never
• Twisting: Never
• Concentrating for long periods of time: Continuous
• Applying common sense to deal with problems involving standardized situations: Continuous
• Reading, writing and comprehending instructions: Continuous
• Adding, subtracting, multiplying and dividing: Continuous