• Lead the data science and analytics strategy for underwriting transformation software products, from problem framing through production deployment. • Design and operationalize causal, predictive, and scenario-based analytical capabilities supporting underwriting, pricing, and risk decisions. • Partner closely with Product Management and Engineering to embed analytics and reporting into core product workflows. • Define, track, and report product, operational, and business metrics and OKRs aligned to organizational and underwriting transformation goals. • Establish scalable reporting frameworks and dashboards that provide transparency into product performance, financial impact, and delivery outcomes. • Deliver executive-ready insights that clearly articulate progress, risks, and tradeoffs. • Provide technical leadership in causal inference and counterfactual analysis to assess underwriting and pricing changes. • Ensure analytical models are interpretable, validated, and production-ready. • Facilitate continuous, cross-functional communication across Product, Engineering, Underwriting, Finance, Actuarial, and Executive teams. • Build trusted partnerships with stakeholders at all organizational levels, serving as a strategic thought partner for data-driven decisions.

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $96,130 - $155,950 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Analytics, Insights, & Artificial IntelligenceJob Description: 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. Department Overview: The US Financial Crime Risk Modeling & Advanced Analytics team within US Financial Crime department is responsible for developing, maintaining, and enhancing the Enterprise Anti-Money Laundering / Counter-Terrorism Financing (AML/CTF) models/AI solutions to comply with regulatory requirements/changes and internal policies, support TD's global AML/CTF strategies, address emerging risks, and be in accordance with best industry practice. We are seeking talented data scientists to join us to innovate, drive, and support initiatives and business as usual operations in multiple functional areas including, but not limited to, customer rating, sanctions screening, transaction monitoring, emerging risk, model performance monitoring, analytics and reporting. Depth & Scope: - Generally accountable for a significant business management area that typically has enterprise-wide impact or accountability - Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels - Undertakes and completes a variety of complex initiatives requiring seasoned specialist knowledge and/or the integration of cross functional processes - Position typically deals with senior/executive management - Works independently on activities related to analysis, design and support of technical data management solutions on various projects ranging in complexity and size - Focuses on longer-range planning for functional area (e.g. 12 months or greater) - May manage and prioritize multiple projects at a given time Education & Experience: - 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 Preferred Skills: - Strong foundation in regression, classification, and machine learning models and anomaly detection techniques - Proficiency with Python and SQL is a must - Experience in Financial Crimes / Compliance Risk Analytics is a plus - Hands-on experience with GenAI applications is a strong plus, including but not limited to fine-tuning or prompting LLMs, ability to build analytical solutions using LLM APIs, and use GenAI applications to develop data labeling solutions Customer Accountabilities: - 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 programing 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 Shareholder Accountabilities: - 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 Employee/Team Accountabilities: - 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 Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% - Domestic Travel – Occasional - International Travel – Never - Performing sedentary work – Continuous - Performing 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 The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. #LI_AMCBCorporate Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Fully remote | Complete engagement job Founded in Palo Alto by Dr. Andrew Ng and Israel Niezen, Factored helps U.S. companies build and scale world-class AI, ML, and Data teams, powered by the top 1% of LATAM talent, with a defining purpose: To empower brilliant humans, unleash their potential, and amplify their impact in the world. At Factored, you’ll be part of a community that values learning, ownership, and authenticity, where your growth is personal and your ideas matter. We’re transparent, curious, and collaborative. We strive for excellence, celebrate diversity, encourage curiosity, and build an environment where you can truly thrive. We are currently looking for an exceptionally talented Senior Data Scientist - Time Series Specialist to join our team and help build cutting-edge solutions at the intersection of manufacturing and advanced analytics. In this role, you will design and deploy scalable ML systems that detect anomalies, uncover root causes, and transform complex manufacturing and test log data into actionable insights that drive product quality and operational efficiency. Functional Responsibilities: - Design and implement ML and statistical models for anomaly detection on large-scale manufacturing test logs and machine outputs. - Work with high-volume time series and structured machine log data, meeting low-latency requirements in production environments. - Build both real-time (live line) detection pipelines and post-hoc failure analysis and root cause analysis workflows. - Translate domain expertise into scalable, production-ready systems, ensuring reliability, observability, and performance. - Continuously evaluate and apply emerging techniques in machine learning and time series analysis to improve model performance and robustness. Qualifications: - 4+ years of experience in Data Science, Machine Learning, or a related field. - Hands-on experience building anomaly detection models, ideally within manufacturing or industrial environments. - Strong experience working with high-frequency time series data, including feature engineering for sequential signals. - Proficiency in Python and SQL, with experience using ML libraries such as TensorFlow, PyTorch, or scikit-learn. - Solid understanding of machine learning, statistical modeling, and data analysis techniques. - Proven ability to work with large-scale datasets under low-latency constraints in production or near-production environments. - Experience translating models into production systems (e.g., basic ML deployment, experiment tracking, or CI/CD workflows) is a plus. - Strong communication skills in English (B2–C2), with the ability to clearly explain complex technical concepts and collaborate across teams. Our Benefits: - Ownership through equity participation. - Annual company retreat. - Education bonus for continuous learning. - Company-wide winter break. - Paid time off. - Optional in-person events and meetups. - Tailored career roadmaps. - High-performance culture. At Factored, we believe that passionate, smart people expect honesty and transparency, as well as the freedom to do the best work of their lives while learning and growing as much as possible. Great people enjoy working with other passionate, smart people, so we believe in hiring right, and are very selective about who joins our team. Once we hire you, we will invest in you and support your career and professional growth in many meaningful ways. We hire people who are supremely intelligent and talented, but we recognize that intelligence is not enough. Perhaps more importantly, we look for those who are also passionate about our mission and are honest, diligent, collaborative, kind to others, and fun to be around. Life is too short to work with people who don’t inspire you. We are a transparent workplace, where EVERYBODY has a voice in building OUR company, and where learning and growth are available to everyone based on their merits, not just on stamps on their resume. As impressive as some of the stamps on our resumes are, we recognize that human talent and passion exist everywhere, and come from many backgrounds, so stamps matter much less than results. All of us are dedicated doers and are highly energetic, focusing vehemently on execution because we know that the best learning happens by doing. We recognize that we are creating OUR COMPANY TOGETHER, which is not only a high-performing fast-growing business but is changing the way the world perceives the quality of technical talent in Latin America. We are fueled by the great positive impact we are making in the places where we do business and are committed to accelerating careers and investing in hundreds (and hopefully thousands) of highly talented data science engineers and data analysts. In short, our business is about people, so we hire the best people and invest as much as possible in making them fall in love with their work, their learning, and their mission. When not nerding out on data science, we love to make music together, play sports, play games, dance salsa, cook delicious food, brew the best coffee, throw the best parties, and generally have a great time with each other.

• Analyze large and complex datasets to uncover actionable insights and support data-driven decisions. • Develop, implement, and optimize machine learning models and algorithms using Python. • Leverage GCP Data and AI services to build scalable data solutions and predictive analytics. • Write efficient SQL queries and perform query optimization for data extraction and manipulation. • Collaborate with cross-functional teams to understand business challenges and translate them into analytical solutions. • Design and implement data pipelines to support machine learning processes. • Create clear and insightful data visualizations and reports for stakeholders. • Stay up to date with emerging trends and technologies in data science and AI.