Residential Claims Specialist- Desk

TD Bank; Markham; On-site; CAD 79,000 - 106,000; Full time

Job summary

TD Bank, through TD Insurance in Markham, Ontario, is seeking a Residential Claim Specialist to manage complex, high‑risk residential claims with extended lifecycles. You will deliver exceptional customer outcomes while safeguarding company interests.

You will apply advanced claims management expertise, work with clients, witnesses, and vendors, and ensure compliance across regulatory and internal standards.

Qualifications

• Extensive experience handling complex residential insurance claims.
• Litigation claims experience is preferred.
• Strong knowledge of fraud identification and escalation processes.
• Excellent negotiation, communication, and documentation skills.

Responsibilities

• Manage complex, high‑risk residential claims throughout extended lifecycles.
• Meet with clients and other parties to obtain statements and negotiate settlements as needed.
• Collaborate with internal teams, external vendors, and business partners to deliver timely claim resolutions.
• Ensure regulatory and internal requirements are followed and risks are appropriately controlled.
• Provide coaching and knowledge sharing to team members and stay current on industry best practices.

Skills

Residential claims

Litigation experience

High‑risk claims

Fraud identification

Negotiation

Communication

Regulatory compliance

Team coaching

Education

Residential Claims Certification

Job description

Work Location: Markham, Ontario, Canada

Hours: 35

Line of Business: TD Insurance

Pay Details: $79,100 - $106,400 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 Financial Group, one of Canada's largest financial institutions. TD Insurance helps 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 authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches.

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. With a Canada-wide workforce of over 5,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated and professional development is taken seriously. More than just a job, we offer rewarding careers.

As a Residential Claim Specialist at TD Insurance , you will leverage your subject matter expertise to manage complex, high‑risk residential claims , many with extended lifecycles of over one year. This role focuses on delivering exceptional customer outcomes while safeguarding TD Insurance's business interests. You will typically report to a Team Manager / Manager, Claims .

Key Responsibilities

• Claims Management & Customer Experience
  • Handle complex, high‑risk residential claims using advanced technical expertise
  • Meet with clients, witnesses, or other parties in the field to obtain statements and negotiate settlements, as required
  • Collaborate with internal teams, external vendors, and business partners to deliver timely and accurate claim resolutions
  • Apply claims management principles to control costs and minimize claims leakage
  • Identify potential fraudulent claims and manage them in line with organizational policies and procedures
  • Work with claims vendors to maintain agreed-upon service standards
• Risk, Compliance & Business Protection
  • Act as a subject matter expert within residential claims
  • Ensure all claim documentation is accurate, complete, and compliant with regulatory and internal requirements
  • Identify, manage, and elevate non‑standard or high‑risk claims when necessary
  • Protect organizational interests by identifying risks and applying appropriate controls
  • Contribute to process improvement initiatives to enhance efficiency and effectiveness
  • Participate in cross‑functional and enterprise initiatives, providing expert guidance on complex claims scenarios
• Teamwork & Leadership
  • Support a collaborative, inclusive, and positive team environment
  • Share knowledge, provide coaching, and support skill development within the team
  • Stay current on emerging trends, tools, and industry best practices
  • Act as a brand ambassador for TD Insurance internally and externally

Job Requirements

• Extensive experience handling complex residential insurance claims
• Litigation Claims Experience
• Proven ability to manage high‑risk, high‑severity claims with long resolution timelines
• Expert understanding of the residential claims lifecycle and claims management practices
• Strong knowledge of fraud identification, investigation, and escalation processes
• Ability to operate at maximum claims authority , with escalation for select claims
• Expert industry knowledge with applicable accreditation and credentials
• Strong understanding of insurance regulations, operational environments, and compliance requirements
• Ability to leverage Claims Resources teams and subject matter experts to assess liability and damages
• Excellent judgment, decision‑making, and negotiation skills
• Strong written and verbal communication abilities
• Proven ability to collaborate effectively across internal teams and external partners
• Strong organizational, prioritization, and time‑management s