JOB DESCRIPTION:

• Perform quarterly ACL execution in accordance with IFRS 9 for the Canadian non-retail portfolios.
• Ensure accuracy and integrity of ACL/PCL reporting through rigorous review, reconciliations, and validation procedures.
• Prepare and analyze management and regulatory reports related to ACL/PCL.
• Interpret and clearly communicate trends, drivers, and variances in the allowance results, providing actionable insights.
• Support and enhance internal controls, governance, and audit readiness activities to ensure compliance with internal policies, audit, and regulatory expectations.
• Identify opportunities to simplify and improve processes to enhance efficiency and reduce operational risk.
• Demonstrate strong working knowledge of IFRS 9 methodologies, assumptions, and model outputs to support execution and analysis.
• Collaborate effectively with cross-functional teams including Finance, Credit Risk, Data Management, and Model Development to support end-to-end ACL processes.
• Contribute to internal and external audit and regulatory reviews, providing supporting documentation and responding to inquiries.

REQUIREMENTS:

• CPA with knowledge of IFRS 9 expected credit losses framework preferred.
• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 3-5 years of experience in credit risk, finance, or accounting roles, preferably within a financial institution.
• Proven ability to interpret data, identify issues, and communicate results to both technical and non-technical audiences.
• Highly responsive to time-sensitive requests and ad-hoc inquiries, strong sense of urgency.
• Strong organizational skills with the ability to manage multiple priorities and drive tasks to completion within deadlines.
• Professional maturity and critical thinking skills, able to ask the right questions and challenge assumptions where appropriate.
• Strong understanding of controls and governance frameworks (e.g., SOX, internal audits).
• Proficiency in Excel (pivots, lookups, index match)
• Hands-on experience with data mapping, database query and BI tools is 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Please refer the Job description for details