PCA- Residential claim specialist (Desk)

TD; Calgary; On-site; CAD 85,000 - 120,000; Full time

Job summary

TD Insurance, a division of TD Bank Group, seeks an experienced Property Claims Specialist to manage complex residential and high-net-worth claims. You will investigate, assess damages, negotiate settlements, and ensure regulatory compliance while delivering a superior client experience.

You will collaborate with Legal, Underwriting, and external partners, guiding teams and mentoring colleagues on complex claims while supporting operational excellence and risk management initiatives.

Qualifications

• 5+ years of property claims experience, preferably handling complex residential and high-value property claims.
• Experience managing large-loss, high-risk claims from investigation through settlement.
• Experience supporting high-net-worth or private client insurance portfolios is preferred.
• Proven ability to conduct claim investigations, assess damages, determine liability, and negotiate settlements.
• Experience conducting on-site property inspections and field investigations.

Responsibilities

• Manage complex, high-risk residential property claims for high-net-worth clients from investigation through final settlement.
• Conduct claim investigations, assess damages, determine cause of loss, and negotiate claim settlements.
• Deliver a personalized and exceptional customer experience while managing sensitive and complex claim matters.
• Collaborate with internal partners, vendors, contractors, legal representatives, and other stakeholders to achieve timely claim resolutions.
• Apply advanced claims expertise to assess coverage, manage costs, minimize leakage, and identify potential fraud.
• Present strategic claim updates, trends, and recommendations to senior leadership and executive stakeholders.

Skills

Property claims handling

High-net-worth claims

Investigation & negotiation

Regulatory compliance

Stakeholder management

Education

CIP designation or equivalent

Job description

Work Location:

Markham, Ontario, Canada

Hours:

35

Line of Business:

TD Insurance

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 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 brand is an integral part of TD Bank Group (TD) and we’re driven to provide legendary experiences and trusted advice to our customers. We help protect clients from the ‘accidents of life’ by offering a 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.

The TD Insurance brand, through its TD Insurance Credit Protection and TD Insurance Life and Health brands, is the number-one provider of critical illness insurance and direct life and health premium origination in Canada. Through its TD Insurance Meloche Monnex and TD Insurance Home and Auto brands, TD Insurance is also the largest direct-response insurance group in the country.

The TD Insurance Accident Benefits Team is responsible for delivering ease and value to our customers through simple, fast and fair claims resolution. Our department also ensures financial results by focusing on the client experience, strong risk management, a well-run operating model and by being an extraordinary place to work.

Job Details

• Manage complex, high-risk residential property claims for high-net-worth clients from investigation through final settlement.
• Conduct claim investigations, assess damages, determine cause of loss, and negotiate claim settlements.
• Deliver a personalized and exceptional customer experience while managing sensitive and complex claim matters.
• Collaborate with internal partners, vendors, contractors, legal representatives, and other stakeholders to achieve timely claim resolutions.
• Apply advanced claims expertise to assess coverage, manage costs, minimize leakage, and identify potential fraud.
• Ensure accurate documentation, regulatory compliance, and adherence to claims policies and procedures.
• Act as a Subject Matter Expert (SME) by providing guidance, training, and mentorship to team members on complex residential claims.
• Build and maintain strong relationships across Claims, Legal, Underwriting, and external partners.
• Support business initiatives, process improvements, risk management activities, and operational excellence objectives.
• Present strategic claim updates, trends, and recommendations to senior leadership and executive stakeholders.
• Manage increased claim volumes during catastrophe (CAT) events and weather-related losses while maintaining service standards.
• Conduct on-site property inspections and meet with clients, witnesses, and vendors when required.
• Promote a collaborative, customer-focused, and high-performing team culture

Job Requirements

• 5+ years of property claims experience, preferably handling complex residential and high-value property claims.
• Experience managing large-loss, high-risk claims from investigation through settlement.
• Experience supporting high-net-worth or private client insurance portfolios is preferred.
• Proven ability to conduct claim investigations, assess damages, determine liability, and negotiate settlements.
• Experience conducting on-site property inspections and field investigations.
• Demonstrated ability to present claim strategies, trends, and updates to senior leadership and executive stakeholders.
• Ability to manage increased claim volumes during CAT events and severe weather-related losses.
• Expert knowledge of residential property claims handling, insurance policies, and industry best practices.
• Strong understanding of coverage analysis, liability assessment, claims regulations, compliance requirements, and risk management principles.
• Experience identifying potential fraud indicators and handling claims in accordance with established procedures.
• Excellent analytical, problem-solving, decision-making, negotiation, and stakeholder management skills.
• Proven ability to manage multiple complex claims while delivering an exceptional client experience.
• Strong organizational and communication skills with the ability to work independently and exercise sound judgment.
• CIP designation or other relevant insurance accreditation preferred.

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):

Sans Objet