Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$95,264 - $155,376 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 Intelligence

Job Description:

The Fraud Modeling/Forecasting Specialist (with Graph Data Expertise) leverages a solid understanding of graph theory and advanced analytics to develop innovative fraud detection models and strategies across multiple products. Responsibilities include close collaboration with cross-functional teams to design, implement, and monitor fraud mitigation solutions, using cutting-edge graph technologies such as Databricks and TigerGraph. The position entails analyzing complex data structures, identifying trends, and continuously looking for new opportunities and data sources to enhance fraud detection capabilities. The ideal candidate will have strong experience in fraud detection, a deep understanding of graph databases, and a passion for solving complex problems in a rapidly changing environment.

This is a Remote career opportunity with less than 10% travel requirements.

Monday-Friday 8:00am to 5:00pm Eastern Standard Time

Depth & Scope:

• Acts as a subject matter expert integrating cross function understanding within their own field of specialty

• Works autonomously and accountable for acting as a lead within a specialized analytics function and may provide work direction to others

• Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members

• Expert at utilizing data sources across the organization with ability to integrate data across multiple platforms

• Works effectively across multiple business units with numerous stakeholders to deliver advanced analytics solutions

• Scope of role may have business segment and/or enterprise impact

• General focus on broad range of complex issues that may span from medium – long term issues (e.g. 6-12 months)

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 Experience:

• Graph Theory Expertise: Strong knowledge of graph algorithms and their practical applications in fraud detection

• Graph Databases: Experience with graph databases such as TigerGraph, Neo4j, as well as cloud platforms like Databricks for graph analytics.

• Fraud Detection: In-depth understanding of different types of fraud (e.g., account takeover, money laundering, transaction fraud) and the ability to apply graph-based models for identifying suspicious patterns.

• Data Analysis and Visualization: Ability to perform data wrangling, data exploration, and visualization of complex graph structures to highlight fraud risks and trends. Tools such as Python, R, SQL, Tableau, or Power BI may be used for these tasks.

• Machine Learning & Statistical Analysis: Expertise in building machine learning models for fraud detection, including supervised/unsupervised models, and familiarity with anomaly detection techniques specific to graph data.

• Big Data Processing: Experience with distributed computing platforms like Spark (via Databricks) for processing large datasets in a graph context.

Customer Accountabilities:

• Works closely with business management on data modelling requests/activities to ensure alignment with overall strategies

• Leads the activities related to delivery of data deliverables - data package, data model, and data mappings

• Responsible for reading business and technical requirements to ensure data deliverables meet business needs

• Conducts walkthroughs of all data deliverables to aid approval/sign-off process with internal stakeholders

Shareholder Accountabilities:

• Adheres to enterprise frameworks or methodologies that relate 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

• 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, makes recommendations, assesses 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.

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 deliver legendary customer experiences to 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 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 you’ve 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, we’re 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:
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. 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 we’re committed to helping you identify opportunities that support your goals.

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

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.