Applied Machine Learning Scientist I (US)

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.

As the backbone of our financial system financial institutions have rich large-scale datasets and are rapidly adopting models to improve customer experience and drive business performance including AI and machine learning. While models are increasingly pervasive across society many outstanding questions and challenges must be answered to ensure that model outcomes are fair and this position you will play a key role in ensuring the appropriate application of models and positioning TD as an industry leader in Responsible and Ethical AI.

This role focuses on the intersection of fairness transparency and accountability in Artificial Intelligence and Machine Learning (AI/ML). The successful candidate will contribute to ensuring that models are developed and deployed responsibly with outcomes that are explainable trustworthy and aligned with ethical standards. Financial institutions rely on large-scale datasets and advanced analytics to enhance customer experience and business performance making rigorous oversight this position you will play a key role in evaluating models addressing emerging challenges related to responsible AI and supporting the appropriate application of analytical solutions while helping position the organization as a leader in ethical and compliant AI practices.

TEAM DESCRIPTION

The successful candidate will join the Fair Banking Compliance Model Review team which is responsible for ensuring that the banks models are fair transparent and responsibly applied. This role requires a strong working knowledge of building Generative AI and machine learning models performing data analysis recommending appropriate statistical tests and metrics for bias detection and researching emerging fairness methodologies. The incumbent will present and document analytical findings and communicate effectively with business partners through strong written and verbal skills. This position plays a critical role in the independent oversight and review of models to support fair banking compliance.

Key Responsibilities:

• Review machine learning AI and Generative AI models across TD to identify potential fairness and bias risks.

• Represent Compliance in major projects initiatives and enterprise engagements.

• Perform quantitative analyses to identify fair lending risks associated with model development and use.

• Identify and recommend alternative approaches to mitigate fair lending bias arising from models.

• Develop specialized analytical tools to support project-specific needs or ongoing review activities.

• Compile analyze and generate ad-hoc analytical reports for internal stakeholders.

• Lead research efforts by applying advanced statistical analysis and modeling expertise.

• Provide advisory support to line-of-business model owners on compliance best practices aligned with internal policies and industry standards.

• Lead cross-functional teams or initiatives involving significant complexity.

• Independently manage end-to-end functional programs and deliverables.

• Apply sound judgment and a sophisticated analytical mindset to identify risks and recommend solutions.

• Communicate complex analytical findings clearly to non-technical audiences.

• Operate autonomously as a subject matter expert while mentoring and guiding others within the area of expertise.

• Manage multiple concurrent projects and priorities in a dynamic business environment.

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

Job Profile Summary

The Applied Machine Learning Scientist I is responsible for providing technical expertise on advance analytics and machine learning across a broad range of analytics functions including data and modelling frameworks tools technology processes and procedures.

This role has a contributing role in the development of AI/ML systems and provides actionable insights to solve business problems.

Depth & Scope:

• Works autonomously and is accountable for sound knowledge in a given AI/ML area and of various AI/ML frameworks tools processes and procedures as well as organization issues best practices and business/organization standards

• Sound knowledge of applications systems innovation design activities best practices business/organization standards

• Solves complex problems takes new perspectives on existing solutions

• Independently performs tasks from end-to-end to deliver quality results and meet timelines

• May work under guidance of more senior roles

Education & Experience:

Undergraduate degree required advanced technical degree preferred (e.g. math physics engineering finance or computer science) Graduates degree preferred with either progressive project work experience

Desired Skills & Experience

• Masters degree in computer science machine learning AI engineering statistics data science mathematics or related field and 2 years of relevant work experience in either developing or validating Generative AI LLMs NLP and other Deep Learning models. PHD with specialization in ML AI or Statistics is a plus.

• In-depth knowledge of AI/ML methodologies concepts and theory including Generative AI Deep Learning modern Natural Language Processing (NLP) Retrieval-Augmented Generation (RAG) Transformers Diffusion models etc.

• Experience with Deep Learning and Generative AI technology stacks and libraries such as PyTorch PromptFlow LangChain HuggingFace etc.

• Motivated to stay up to date with the latest advancements in Generative AI machine learning and cloud technologies.

• Academic or industry research experience in Responsible AI fairness or model evaluation

• Proficient in one or more scripting/programming languages such as Python.

• Familiarity with cloud platforms (e.g. Azure AWS) and big data technologies (e.g. PySpark Hadoop).

• Knowledge of machine learning explain-ability/interpretability algorithms.

• Excellent verbal and written communication skills and stakeholder management abilities (position requires writing and reviewing reports of a technical nature).

• Strong critical and analytic thinking skills.

• Excellent time / project management and multitasking skills with minimal supervision.

• Ability to work independently and collaboratively in a fast-paced dynamic environment.

• Publications in relevant conference and journals and research in GenAI/LLM field is a plus.

• Ability to implement AI/ML algorithms from academic research papers is a plus.

Customer Accountabilities:

• Provides expertise on mathematical concepts for the broader analytics team and inspires the adoption of advanced analytics and machine learning across the organization

• Interprets the meaning of new strategic directions and sets objectives and measurements Implements monitoring and feedback systems to evaluate progress and identifies ways of making continuous improvements

• Gathers and analyzes information or data on current and future trends of best practices

• Seeks information on areas impacting the progress of organizational and process issues

Shareholder Accountabilities:

• Adheres to enterprise frameworks or methodologies that relates to activities for our business area

• Ensures respective programs/policies/practices are well managed meets business needs complies with internal and external requirements and aligns with business priorities

• Consistently exercises discretion in managing correspondence information and all matters of confidentiality; escalates issues where appropriate

• 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)

• Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations

• Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience

• Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions make recommendations assess the effectiveness of programs/policies/practices

• 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.

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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 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 95000 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:
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.

If youre 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.

Were 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 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.