Auto Complex Claims Advisor II (On-site)

TD Bank Group; Markham; On-site; CAD 56,000 - 83,000; Full time

Benefits offered by this job

Accommodation available

Interview accommodations

Job summary

TD Insurance, part of TD Bank Group, is seeking a Complex Auto Property Damage Advisor in Markham to manage high-exposure auto claims end-to-end, with strong analysis, negotiation, and documentation. You will balance customer experience, risk, and timely resolution.

You will collaborate with legal counsel, vendors, appraisers, repair facilities, and internal partners, evaluating liability and coverage, establishing reserves, and ensuring fair, defendable outcomes while growing expertise in

Qualifications

• 3-5+ years of automobile claims handling experience.
• Strong knowledge of auto claims, liability assessment, and settlement practices.
• Proven ability to manage complex claims and make sound decisions.
• Strong analytical, investigative, negotiation, and communication skills.
• Ability to manage competing priorities while maintaining quality.
• Post-secondary education and CIP designation is considered an asset.

Responsibilities

• Deliver a customer-first experience through empathy, professionalism, and clear communication.
• Provide timely updates and guidance throughout the claims process.
• Negotiate claim settlements and total loss resolutions within established authority levels.
• Establish and maintain appropriate reserves throughout the life of the claim.
• Maintain accurate, detailed, and defensible claim documentation.
• Manage a diverse portfolio of complex claims while meeting quality and service expectations.
• Collaborate with legal counsel, vendors, appraisers, repair facilities, and internal stakeholders to achieve timely claim resolution.
• Identify risk, coverage concerns, fraud indicators, and escalation points.
• Ensure claims are handled in accordance with regulatory and risk management standards.

Skills

Automobile claims

Liability assessment

Negotiation

Education

CIP designation (asset)

Job description

Work Location: Markham, Ontario, Canada

Hours: 35

Line of Business: TD Insurance

Pay Details: $56,400 - $83,000 CAD

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.

Job Description

TD Insurance is part of TD Bank Group (TD) and we are driven to provide legendary experiences and trusted advice to our customers. We help protect clients from the 'accidents of life' with a wide range of products including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance products and services are available through a network of more than 1,000 TD branches and online.

In Canada we have two lines of business: General Insurance and Life and Health. Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number-one provider of critical illness insurance and direct life and health insurance in Canada.

At TD Insurance, we are committed to fostering an inclusive, accessible environment for our colleagues. With a national workforce of over 4,000 employees that span Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and we are dedicated to helping you grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated and professional development is important to help our colleagues unlock their full potential.

More than just a job, we offer rewarding careers.

About the Role

As a Complex Auto Property Damage Advisor, you will manage complex automobile property damage claims involving higher levels of exposure, technical analysis, and decision-making. You will investigate, evaluate, negotiate, and resolve claims while balancing customer experience, risk management, and operational excellence. This role requires strong claims expertise, sound judgment, and the ability to navigate complex coverage, liability, valuation, and settlement issues. You will support customers through challenging situations while ensuring claim outcomes are fair, accurate, and defensible.

Key Responsibilities

Customer Experience (Legendary Service)

Deliver a customer-first experience through empathy, professionalism, and clear communication.

Provide timely updates and guidance throughout the claims process.

Build trust through fair claim handling, effective negotiation, and quality service.

Manage sensitive customer concerns and escalations with confidence and professionalism.

Execution & Claim Management

Manage complex automobile property damage claims end-to-end, including third-party property damage, total losses, specialty vehicles, and multi-exposure losses.

Investigate and assess liability, damages, indemnity exposure, and settlement strategy.

Negotiate claim settlements and total loss resolutions within established authority levels.

Establish and maintain appropriate reserves throughout the life of the claim.

Maintain accurate, detailed, and defensible claim documentation.

Manage a diverse portfolio of complex claims while meeting quality and service expectations.

Analytical Thinking & Risk Management

Gather and assess information from multiple sources to support claim decisions.

Apply policy and coverage knowledge to evaluate entitlement and explain claim outcomes.

Identify risk, coverage concerns, fraud indicators, and escalation points.

Ensure claims are handled in accordance with regulatory and risk management standards.

Collaboration & Teamwork

Partner with legal counsel, vendors, appraisers, repair facilities, and internal stakeholders to achieve timely claim resolution.

Collaborate with leadership and technical specialists on complex or high-risk files.

Support knowledge sharing and contribute to a positive, accountable team environment.

Growth & Continuous Improvement

Continue developing expertise in coverage analysis, negotiation, and complex claim handling.

Participate in training, coaching, and cross-functional development opportunities.

Contribute to process improvements that enhance claim quality and customer experience.

What You Bring

• 3-5+ years of automobile claims handling experience.
• Strong knowledge of auto claims, liability assessment, and settlement practices.
• Proven ability to manage complex claims and make sound decisions.
• Strong analytical, investigative, negotiation, and communication skills.
• Ability to manage competing priorities while maintaining quality and attention to detail.
• Post-secondary education and/or CIP designation is considered an asset.

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

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.

Accommodation

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.

Language Requirement (Quebec only): Sans Objet

Sans Objet

Our Values

At TD we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.