Applied Machine Learning Scientist II (US)

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$96,130 - $155,950 USD

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.

Line of Business:

Analytics, Insights, & Artificial Intelligence

Job Description:

Why Work with Us?

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact – both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization.

As the backbone of our financial system, financial institutions have rich large-scale datasets and are rapidly adopting models to improve customer experience and drive business performance, including AI and machine learning. While models are increasingly pervasive across society, many outstanding questions and challenges must be answered to ensure that model outcomes are fair and transparent. In this position, you will play a key role in ensuring the appropriate application of models and positioning TD as an industry leader in Responsible and Ethical AI.

This role focuses on the intersection of fairness, transparency, and accountability in Artificial Intelligence and Machine Learning (AI/ML). The successful candidate will contribute to ensuring that models are developed and deployed responsibly, with outcomes that are explainable, trustworthy, and aligned with ethical standards. Financial institutions rely on large-scale datasets and advanced analytics to enhance customer experience and business performance, making rigorous oversight essential. In this position, you will play a key role in evaluating models, addressing emerging challenges related to responsible AI, and supporting the appropriate application of analytical solutions while helping position the organization as a leader in ethical and compliant AI practices.

TEAM DESCRIPTION

The successful candidate will join the Fair Banking Compliance Model Review team, which is responsible for ensuring the bank’s models are fair, transparent, and responsibly deployed. This role requires strong expertise in Generative AI and machine learning, advanced data analysis, and the selection of appropriate statistical tests and bias metrics, as well as familiarity with emerging fairness methodologies. The incumbent will evaluate existing fairness approaches and contribute to the design and evolution of the bank’s fairness evaluation framework. This is a senior role requiring deep analytical judgment, strong stakeholder management, and effective communication skills, and it plays a critical part in providing independent oversight of models to support fair banking compliance. The role may include people management responsibilities.

Key Responsibilities:

• Lead reviews of machine learning, AI, and Generative AI models across TD to identify potential fairness and bias risks.
• Represent Compliance in major projects, initiatives, and enterprise engagements.
• Perform quantitative analyses to identify fair lending risks associated with model development and use.
• Identify and recommend alternative approaches to mitigate fair lending bias arising from models.
• Develop specialized analytical tools to support project-specific needs or ongoing review activities.
• Compile, analyze, and generate ad-hoc analytical reports for internal stakeholders.
• Lead research efforts by applying advanced statistical analysis and modeling expertise.
• Provide advisory support to line-of-business model owners on compliance best practices aligned with internal policies and industry standards.
• Lead cross-functional teams or initiatives involving significant complexity.
• Independently manage end-to-end functional programs and deliverables.
• Apply sound judgment and a sophisticated analytical mindset to identify risks and recommend solutions.
• Communicate complex analytical findings clearly to non-technical audiences.
• Operate autonomously as a subject matter expert while mentoring and guiding others within the area of expertise.
• Manage multiple concurrent projects and priorities in a dynamic business environment.
• Lead and mentor junior team members.

This role is not eligible for TD work visa support or sponsorship (e.g., H-1B, F-1 OPT/STEM OPT, TN or other work visa authorizations).  Applicants must have authorization to work in the United States without current or future need for TD sponsorship.

The above details are specific to the role which is outlined in the general Job Profile Summary and description below. Please review the Desired Skills and Experience below in as you consider this opportunity.

Job Profile Summary

The Applied Machine Learning Scientist II is responsible for providing technical knowledge and expertise on advanced analytics and machine learning across a broad range of analytics functions including data and modelling frameworks, tools, technology, processes and procedures.

This role generally provides expertise in stakeholder interactions related to complex advanced analytics related material. Additionally, this role plays a lead role in the development of AI/ML systems to solve a range of complex problems and is adept at translating business objectives into technical solutions.

Depth & Scope:

• Adept at technical project execution, strategic planning and effective communication. Accountable for specialized knowledge in a field of AI/ML
• Works autonomously and accountable for acting as a lead within a function
• Undertakes and completes a variety of complex initiatives requiring seasoned specialist AI/ML knowledge and/or the integration of cross functional processes
• Typically deals with senior/executive management

Education & Experience:

• Undergraduate degree required, advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or;
• 1+ years relevant experience (includes post graduate experience)

Desired Skills & Experience

• Master's degree in computer science, machine learning, AI, engineering, statistics, data science, mathematics or related field with 4+ years of relevant work experience in either developing or validating Generative AI, LLMs, NLP and other Deep Learning models. PHD with specialization in ML, AI, or Statistics is a plus.
• In-depth knowledge of AI/ML methodologies, concepts and theory including Generative AI, Deep Learning, modern Natural Language Processing (NLP), Retrieval-Augmented Generation (RAG), Transformers, Diffusion models etc.
• Experience with Deep Learning and Generative AI technology stacks and libraries such as PyTorch, PromptFlow, LangChain, HuggingFace, etc.
• Motivated to stay up to date with the latest advancements in Generative AI, machine learning, and cloud technologies.
• Academic or industry research experience in Responsible AI, fairness, or model evaluation
• Proficient in one or more scripting/programming languages such as Python.
• Familiarity with cloud platforms (e.g., Azure, AWS) and big data technologies (e.g., PySpark, Hadoop).
• Knowledge of machine learning explain-ability/interpretability algorithms.
• Excellent verbal and written communication skills and stakeholder management abilities (position requires writing and reviewing reports of a technical nature).
• Strong critical and analytic thinking skills.
• Excellent time / project management and multitasking skills with minimal supervision.
• Ability to work independently and collaboratively in a fast-paced, dynamic environment.
• Publications in relevant conference and journals and research in GenAI/LLM field is a plus.
• Ability to implement AI/ML algorithms from academic research papers is a plus.

Customer Accountabilities:

• Provides strong knowledge in a given AI/ML area. Delivers insights into leading analytic practices, designs and leads iterative learning and development cycles, and ultimately produces new and creative analytic solutions that will become core deliverables
• Works closely with business owners to identify opportunities and serves as an ambassador for data science
• Designs and delivers enterprise analytic solutions for customers
• Develops powerful business insights from a broad range of data using advanced machine learning techniques
• Works in a highly interactive, team-oriented environment with Big Data developers, engineers, modelers and others

Shareholder Accountabilities:

• Adheres to enterprise frameworks or methodologies that relates to activities for our business area
• Ensures respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
• Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
• Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
• Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
• Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships. Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.

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

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com.  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.