Actuarial Analyst III

TD; Montreal (administrative region); On-site; CAD 100,000 - 130,000; Full time

Job summary

TD Insurance in Montréal, Quebec, is seeking an Actuarial Analyst for the Pricing Analytics team. You will design and implement end-to-end predictive models to optimize risk selection and drive strategic decisions across the Property and Casualty insurance lifecycle.

Collaborate with actuaries, data scientists and ML specialists, develop ML solutions, ensure governance, and communicate findings to stakeholders.

Qualifications

• Actuarial experience in Property & Casualty insurance (min 4 years).
• Bachelor degree in Actuarial Sciences or related field.
• Proficiency in programming, preferably Python.
• Understanding of modern ML techniques in insurance contexts.
• Strong analytical, decision-making and problem-solving skills.
• Excellent communication and teamwork abilities.

Responsibilities

• Develop and maintain actuarial predictive models using advanced statistical techniques and machine learning algorithms.
• Collaborate with Pricing teams to understand business requirements and present findings to stakeholders.
• Support model governance efforts and ensure compliance with internal and external requirements.
• Write clean, efficient, and maintainable code following industry best practices and coding standards.
• Monitor model performance and implement improvements based on emerging techniques and business needs.
• Manage multiple modeling projects while meeting deadlines and maintaining detailed technical documentation.

Skills

Actuarial experience

Python programming

Machine learning

Analytical thinking

Communication skills

Teamwork

Education

Bachelor's degree in Actuarial Sciences

Tools

Python

Databricks

Snowflake

Spark

AWS

Azure

GCP

Job description

Pay Details 100 000 $/$100,000 - 130 000 $/$130,000 CAD

Work Location Montréal, Quebec, Canada

Hours 35

Line Of Business Data & Analytics

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, geographical 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.

Job Description

The Pricing Analytics team is dedicated to leveraging advanced data analytics to develop sophisticated predictive models that drive strategic decision-making across all phases of the Property and Casualty Insurance lifecycle. Our mission is to optimize risk selection and maintain market leadership through data-driven insights and innovative solutions.

As an Actuarial Analyst working within the Pricing Analytics team, you will collaborate with actuaries, data scientists and applied machine learning scientists in delivering cutting-edge analytical solutions alongside the TDI Pricing team.

You will contribute to designing and implementing end-to-end machine learning solutions, from data preprocessing and feature engineering to model architecture design and inference pipeline development. In this role, you will help challenge conventional approaches and participate in reframing business problems through an innovative lens. You will support the team in leveraging cutting-edge methodologies and technologies to transform traditional insurance use cases into breakthrough solutions.

• Develop and maintain sophisticated actuarial predictive models using advanced statistical techniques and machine learning algorithms
• Collaborate with Pricing teams to understand business requirements and present findings to stakeholders
• Support model governance efforts and ensure compliance with internal and external requirements
• Write clean, efficient, and maintainable code following industry best practices and coding standards.
• Monitor model performance and implement improvements based on emerging techniques and business needs
• Manage multiple modeling projects while meeting deadlines and maintaining detailed technical documentation

Job Requirements

• At least 4 years of actuarial experience in Property & Casualty insurance
• Bachelor degree in Actuarial Sciences or related field
• Proficiency and interest for programming, preferably python
• Base understanding of modern machine learning techniques and their practical applications in insurance contexts
• Advanced analytical, decision-making and problem solving skills
• Client-focused and aptitude for teamwork
• Outstanding communication skills with ability to articulate complex technical concepts to varied audiences, from technical teams to senior leadership
• Excellent time management skills with a proven ability to meet deadlines.
• Autonomous and perseverant; shows initiative and creativity in their work
• Recognized for their thoroughness and the quality of their work

Preferred Qualifications

• Marked progress on professional actuarial exams (CAS or CIA)
• P&C pricing experience
• Experience with cloud computing platforms (AWS, Azure, or GCP)
• Knowledge of modern data architecture and big data technologies (Databricks, Snowflake, Spark, etc.)

Who We Are

As part of TD Bank Group, one of Canada's largest financial institutions, at TD Insurance, we care for Canadian families, making it easy to get the best advice, protection, and support in their moments of need, always.

TD Insurance offers a wide range of products, including General Insurance and Life and Health. Everyday, we strive to make every interaction, product and experience remarkably human and refreshingly simple for more than four million customers who count on us.

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 a base salary, variable compensation, and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec Only)

Ce poste n’exige pas la maîtrise d’une langue autre que le français.