Risk Management

Role Type
Internship/Co-op

Work Term
Summer/Term 3

Work Location:
Toronto, Ontario, Canada

Hours
37.5

Pay Details
$45,700 - $74,400 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
DEPARTMENT OVERVIEW

Co-op and Internship opportunities allow you to gain valuable work experience across a number of the businesses at TD. You will work with experienced colleagues, receive world class training, and be part of a community of students across TD, where you will have an impact, grow as individual and experience our culture of care.

Role
Our
Co-op/Intern Programming
is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features:

• Leadership talks with key Leaders from across the organization
• Lunch and Learns on topics such as Innovation
• Diversity and Inclusion and Personal Branding and so much more

The Model Management & Analytics (MMA) team is responsible for Canadian Retail credit risk parameter model implementation, performance monitoring, adherence to regulatory requirements, and the calculation, analysis and reporting of regulatory and economic capital. MMA supports various risk-wide infrastructure projects and technical initiatives, as well operational support for enterprise programs such as IFRS9 Allowances, EWST, US risk quantification, and other regulatory initiatives.

Job Description
This is an excellent opportunity for a candidate seeking to advance their understanding of Retail Credit Risk areas. Reporting to the Model Implementation Manager, the position also works closely with Retail Risk Model Development, Reporting and Analysis teams, and with external business partners. This opportunity has the following key accountabilities:

• Contribute to the maintenance of the operational processes for model scoring
• Provide programming support to incorporate the changes resulting from periodic model updates and operational enhancements
• Contribute to the development and implementation of new models to support on-going initiatives related to the Canadian and US Retail and Small Business Banking portfolios
• Collaborate with the Retail Risk Model Development and the Reporting and Analysis teams to perform various impact estimation for new model implementations
• Work proactively and effectively with Retail Risk Management and various technology teams groups together requirements for model implementation
• Create and maintain operational and data lineage documentation basing on updates from model implementation
• Support the Model Implementation Team's and MMA management in internal and external audit reviews and compliance attestations

As part of the TD Risk Management Co-op program, you will have the opportunity to join different development workshops, coffee chats, seminars and lunch and learns. We will provide you with the necessary tools, resources, and guidance to achieve both business and personal goals.

Job Requirements
We're proud to work with a group of diverse colleagues. If you have relevant experience that isn't mentioned

below, tell us about it in your resume or cover letter.

• Currently enrolled in an undergraduate degree and majoring in Engineering, Computer Science, Mathematics, Statistics, Financial Analysis, Risk Management, Actuarial Science, Data Science, or similar disciplines.
• An individual with strong critical thinking and analytical skills
• Strong written and verbal communication skills with the ability to articulate ideas clearly
• High degree of personal initiative, detail oriented, capable of adapting to a fast-paced environment and a quick learner
• Must be enrolled in an undergraduate degree with the intent of going back to school at the start of your work term (requirement of all co-op/intern positions)

Skills that are not required, but which are an asset include:

• SAS, SQL, Python and R programming languages
• Advanced MS Excel / VBA
• Familiar with the Unix or Linux operating system
• Automation design and development experience
• Shell Scripting
• Microsoft PowerBI, Power Automate, Tableau
• Knowledge of Financial Industry/Risk Management/Retail Credit products

Additional Information

• This position is a 4-month work term and will commence May 4th - August 21st, 2026.
• Applications must include a transcript, cover letter (one letter-sized page or less) and a resume (maximum of 2 pages).
• We welcome all applications; however, we will only contact qualified candidates chosen for an interview. Thank you for your interest.
• TD requires employees to reside in the country where the role is located, irrespective of remote working arrangements
• TD is committed to providing you with the best candidate experience and internship in these unique circumstances. As such, work location and start dates are subject to change.

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.

Whether you have a passion for helping customers and want to expand your experience, or you want to coach

and inspire your colleagues, there are many different career paths within our organization at TD – and we're

committed to helping you identify opportunities that support your goals.

Training and Onboarding
We'll provide in-person 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.

HOURS
Monday-Friday, standard business hours

INCLUSIVENESS
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

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.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

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