Senior Analyst, ECL Staging - Model Management and Analytics (4986)

TD; Toronto; On-site; CAD 82,000 - 115,000; Full time

Job summary

TD in Canada is seeking a skilled professional for the Model Management & Analytics team to support IFRS9 ECL provisioning and regulatory reporting. The role emphasizes data-driven analysis, cross-team collaboration, and accurate staging into the expected loss calculator (gCLAS).

You'll work with SAS, SQL or Python to analyze inputs, support audits, and help improve model operations within a fast-paced risk environment in Toronto, with a strong focus on precision and regulatory compliance.

Qualifications

• Undergraduate degree in Finance, Statistics, Economics or CS.
• SAS/SQL/Python hands-on experience (3+ years preferred).
• Knowledge of IFRS and ECL concepts is advantageous.
• Experience with audit/regulatory/SOX reviews.

Responsibilities

• Develop an in-depth understanding of the regulatory requirements of ECL reporting under IFRS 9.
• Gather requirements and support data migration work related to ECL data staging.
• Staging inputs into the expected loss calculator (gCLAS) accurately and timely.
• Assist the Credit Risk Forecasting and Allowance team with trend information on inputs.
• Ensure model updates and product system changes are captured in the staging process.
• Document assumptions, exclusions and adjustments related to input staging.
• Support internal and external audits and regulatory attestations.

Skills

IFRS9 ECL understanding

Data analysis

Regulatory/compliance experience

Strong communication

Education

Undergraduate degree in Finance/Statistics/Economics/CS

Postgraduate degree asset

Accreditation (PRMIA/GARP/CPA)

SAS Certification asset

Tools

SAS

SQL

Python

Excel

PowerPoint

Job description

Work Location: Toronto, Ontario, Canada

Hours: 37.5

Line of Business: Risk Management

Pay Details: 81,600.00 - 115,200.00 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:

Department Overview

The Model Management & Analytics (MMA) team within the Model Development area is responsible for the development, maintenance, and execution of retail regulatory credit risk and Risk-Weighted Asset (RWA) reporting processes, as well as ongoing operations supporting expected credit loss provisioning under IFRS9.

Key Accountabilities

• Develop an in-depth understanding of the regulatory requirements of ECL reporting under IFRS 9.
• Work proactively with multiple teams to gather requirements and support the data migration work related to ECL data staging
• Work proactively and effectively with internal and external teams including MMA Model Implementation team, Enterprise Risk Management, and other supporting technology partners and ensure all the necessary inputs, including model risk parameters are staged into the expected loss calculator (gCLAS) accurately and in a timely manner.
• Assist the Credit Risk Forecasting and Allowance team in analyzing the expected loss and provision estimates by providing trend information on various inputs.
• Ensure periodic model updates and product system related changes are captured in the staging process without delays and issues.
• Work with the Model Implementation team and technology support teams to understand and document the assumptions, exclusion and adjustments related to the staging of various inputs.
• Support the team with internal and external audit reviews and compliance attestations.

Job Requirements

• Superior multi-tasking skills and the ability to work in a fast-paced, often deadline-oriented and dynamic environment.
• Experience working in both operational and project environments.
• Good interpersonal skills to build and maintain productive working relationships with various business partners across the Bank and at different levels of organization.
• Strong problem-solving skills, ability to independently identify and solve problems in an effective and timely manner.
• Strong communication skills (both written and oral).
• Strong ability to manage productive relationships with business partners and stakeholders.
• Experience with audit/regulatory/SOX reviews.
• Have a good understanding of the basic drivers of retail credit risk, regulatory capital or ECL concepts.
• Strong working knowledge with preferably three or more years of hands-on experience using SAS, SQL or Python.
• High proficiency in Microsoft applications (Excel, Word, and PowerPoint).
• Knowledge of IFRS and how it is applied would be an asset.

Additional Information

• Undergraduate degree in Finance, Statistics, Economics, Computer Science or similar disciplines. Postgraduate degree would be an asset.
• PRMIA, GARP, CPA or similar accreditation is also considered an asset.
• SAS Certification is considered as an asset.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.

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