Home Mortgage Disclosure Act (HMDA) Data Integrity Testing Specialist – Fair Banking Compliance

Work Location:

Hours:

Pay Details:

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 candidates 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:

Job Description:

Why Work with Us

At TD Bank US Compliance were on a mission to build a more resilient and scalable compliance risk management function. As part of our team youll play a key role in reshaping compliance structures and processes driving innovation at every level. Here each team member has a chance to make a tangible impact both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program its about creating a culture of compliance that will cascade throughout the organization.

The Ideal Candidate

The ideal candidate will thrive in a fast-paced setting as we build a new compliance structure that aligns with the banks size complexity and risk this role youll need to be strategic tactical collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise were looking for someone with an entrepreneurial mindsetsomeone who can roll up their sleeves takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic evolving landscape are essential as the US Compliance team redefines the banks compliance program and structure.

Most importantly the right candidate is seeking an intellectual challenge has a desire to learn and is committed to building something impactful from the ground up. At TD Bank youll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

Department Overview

The TD Bank Fair Banking & Compliance Analytics Team is seeking a skilled professional to perform complex data integrity reviews within deadlines to ensure the accuracy and completeness of Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR) dataprior to annual filing to the Consumer Financial Protection Bureau (CFPB). You will leverage your HMDA background to produce accurate reporting of findings identified in data integrity reviews which are provided to Senior Management across Business and Compliance you will provide HMDA compliance support to Residential Lending Small Business & Commercial and/or Capital Market business linesand partner with the Compliance Unit Advisory teams to present objective guidance to the business lines promoting strong Compliance controls and processes that are in effect to mitigate inherent associated risk.

Additional responsibilities will include assisting in response to periodic examinations by regulatory agencies and internal audit ad-hoc requests related to the HMDA LAR business specific inquiries and reviewing policies procedures and other business line documents to ensure compliance with regulatory requirements.

The above details are specific to the role which is outlined in the general description below. Please review Desired Skills & Experience below as you consider this opportunity.

Our team currently operates under a hybrid work model with employees expected to work in the office two days per week. Starting in November 2025 this expectation will increase to four days per week. Please note that due to limited office space the exact timing of this transition may vary depending on availability and individual circumstances.

Job Description Summary:

The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMarts in conjunction with deep business subject matter expertise to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations.

Depth & Scope:

• Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others
• Provides seasoned specialized knowledge advice and/or guidance to various stakeholders and team members
• Scope of role may have enterprise impact
• Focuses on short to medium - term issues (e.g. 6-12 months)
• Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise
• Oversees and/or independently performs tasks from end-to-end
• May interact with any hierarchy level up to executive leaders and external vendors

Education & Experience:

• Undergraduate degree or advanced technical degree preferred (e.g. math physics engineering finance or computer science) Graduates degree preferred with either progressive project work experience or;
• 5 year of relevant experience; higher degree education and research tenure can be counted

Desired Skills & Experience:

• Advanced knowledge of HMDA reporting requirements strongly preferred
• Advanced knowledge of Wiz SaaS strongly preferred.
• Advanced knowledge of Encompass strongly preferred.
• Proficiency in Microsoft Office applications. Advanced Excel strongly preferred.
• Solid knowledge of Residential Lending and/or Small Business/Commercial Lending compliance advisory standards procedures laws rules regulations and controls
• Solid knowledge of broader enterprise lending platforms (i.e. Encompass nCino Fidelity) and data sources with ability to interpret data
• Skill in using analytical software tools data analysis methods and reporting techniques
• Ability to pay high attention to details and deliver under tight timeframes with multiple key stakeholders with different needs/requirements
• Strong written and verbal communication skills including a demonstrated ability to clearly provide reports that identify and quantify risk
• Ability to work independently and prioritize and manage own workload to deliver quality results and meet assigned timelines

Customer Accountabilities:

• Leads on the interpretation of complex business issues generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs
• Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience
• Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business
• Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate
• Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations
• Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution
• Provides day-to-day support and delivery of analytics

Shareholder Accountabilities:

• Represents functional area as a business insights & analytics specialized expert
• Synthesizes complex and vast amount of information and translates into actionable insights and strategy
• Builds business requirements and facilitates project execution to develop insights
• Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value
• Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers
• Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly
• Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand
• Provides business explanation for anomalies/outliers identified during analysis
• Works with business functions and analytics teams to transition business requirements to analytics requirements
• Trains business users on how to integrate analytics into decisions
• Leverages knowledge of data capabilities to build and deliver insights
• Develops analysis to corroborate initial proof of concept
• Executes on data requests accurately and within a timely manner
• Identifies and investigates data/analytics related issues
• Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls segregation of duties transaction approvals and physical control of assets)
• 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.

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Who We Are:
TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well 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 . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.