**Work Location:** Markham, Ontario, Canada **Hours:** 35 **Line of Business:** TD Insurance **Pay Details:** $71,000 - $111,700 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:** TD Insurance is part of TD Bank Financial Group, one of Canada’s largest financial institutions. TD Insurance helps protect clients from the ‘accidents of life’ with a wide range of products including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches. In Canada, we have two lines of business, General Insurance and Life and Health. Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada. At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 5,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated and professional development is taken seriously. More than just a job, we offer rewarding careers. **KEY ACCOUNTABILITIES** **CUSTOMER** + Use expert knowledge to handle complex, high risk claims that typically take over a year to resolve. + Maybe required to meet clients/witness etc. in the field to obtain statements and/or negotiate claims + Collaborate with internal and external partners while valuing speed and accuracy to deliver the legendary customer experience + Apply claims management principles and procedures in order to manage claims costs and leakage + Identify potential fraudulent claims and handle according to organizational processes/procedures + Work with claim management vendors to maintain service standards **SHAREHOLDER** + Act as a subject matter expert in their area of expertise to increase knowledge base within claims + Support the timely and accurate completion of business processes and procedures + Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary + Ensure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations + Identify, suggest and actively participate in process improvement opportunities + Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements + Participate in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situations + Ensure necessary due diligence to support the accuracy of all customer transactions / activities + Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts + Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite + Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct **EMPLOYEE / TEAM** + Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest + Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit + Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques + Participate in personal performance management and development activities, including cross training within own team + Keep 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 + Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices. + Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships. + Contribute to a fair, positive and equitable environment that supports a diverse workforce + Act as a brand ambassador for your business area/function and the bank, both internally and/or externally **BREADTH & DEPTH** + Use subject matter expertise to handle complex high risk claims that typically take greater than 1 year to resolve + Handle complex Residential claims + Has maximum claims advisor authority limit and requires next level approved for a limited number of claims + Considered a subject matter expert within own unit and provides training/guidance to others on best practices, processes etc. + Expert knowledge and understanding of the operating environment, business processes and procedures and transactions lifecycle for own area and as applicable across TDI claims + Coordinate / integrate work with other areas as needed + Require expert industry knowledge and applicable accreditation + Leverage the Claims Resources Team to make decisions on liability and assessment + Maybe required to meet clients/witness etc. in the field to obtain statements and/or negotiate claims + Typically reports into a Team Manager/ Manager, Claims **EXPERIENCE & EDUCATION** + Undergraduate degree preferred + 5+ years relevant experience \# ID-TDI \# #LI-TDI **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. More than four million customers count on us. As the largest direct to consumer insurer in Canada, we are always innovating and providing exciting and rewarding career opportunities for our Canada-wide workforce. **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 (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td) **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 Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.