Work Location:

Toronto, Ontario, Canada

Hours:

35

Line of Business:

Data & Analytics

Pay Details:

135 000 $/$135,000 - 160 000 $/$160,000 CADThis role is temporarily eligible for a pay premium above the posted salary range that is reassessed annually. You are encouraged to have an open dialogue with your recruiter who can provide more specific pay details for this role.

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 GI Pricing and Profitability team is expanding, and many new positions are now available! Our team is crucial in maintaining the company's financial health and competitive edge. By leveraging data analysis, actuarial science, and market research, we ensure profitability while offering fair and attractive rates that comply with provincial regulations. This growth offers incredible opportunities for career advancement, exposure to diverse projects, and the chance to be part of a transformative journey.

POSITION OVERVIEW

Reporting to a Senior Manager, the Actuarial Specialist plays a pivotal role in building team capability by coaching junior actuaries and providing technical leadership to deliver business outcomes and lead projects successfully. The Actuarial Specialist is expected to foster a culture of continuous improvement and innovation.

As a highly skilled individual contributor, you'll have freedom to innovate, the support to execute, and the visibility to make a direct impact on business results.

KEY ACCOUNTABILITIES

Actuarial Specialist, Residential Pricing

• Provide technical expertise on actuarial analyses — review, challenge, and refine assumptions, methods, and recommendations in line with pricing governance and actuarial standards
• Coach and develop junior actuaries through hands-on guidance and peer reviews to raise overall team capability
• Monitor competitor actions, industry trends, and regulatory developments—and translate insights into pricing and segmentation opportunities
• Lead mid-to-complex rate and pricing initiatives to drive profitable growth
• Facilitate regulatory engagement through rate changes—prepare and review filings, present proposals to rating boards and navigate questions through approval to enable planned profit and growth
• Execute end-to-end delivery of approved pricing changes, implement controls to ensure pricing accuracy and compliance, and enable clear communications to leaders and stakeholders following rate changes

JOB REQUIREMENTS

• University degree in Actuarial Sciences or closely related field
• 7+ years in a P&C Actuarial function
• Excellent knowledge of Excel
• Proficiency and interest in programming, notably with SQL, R and/or Python
• Advanced analytical, decision-making and problem-solving skills
• Autonomous and resilient; shows initiative and creativity in their work

PREFERRED QUALIFICATIONS

• Prior experience with Predictive Modeling is an asset
• Prior experience with modern rating engine migration is an asset
• FCIA/FCAS completed or at least 7+ Casualty Actuarial Society professional exams

Who We Are:

As part of TD Bank Group, one of Canada's largest financial institutions, at TD Insurance, we care for Canadian families, making it easy to get the best advice, protection, and support in their moments of need, always.

TD Insurance offers a wide range of products, including General Insurance and Life and Health. Everyday, we strive to make every interaction, product and experience remarkably human and refreshingly simple for more than four million customers who count on us.

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.

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):

Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec des employés ou des collègues qui ont besoin de services et de soutien dans une langue autre que le français.