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:

The Quality Control Specialist IV performs a secondary review of credit disputes (TD Auto Finance) to maintain accuracy and compliance under the FCRA (Fair Credit Reporting Act)

Depth & Scope:

• Performs quality reviews of highly complex loan documentation to reduce risk of loss and ensure policy and regulatory compliance
• Completes quality control analysis of standard and nonstandard loan documentation
• Provides ongoing Customer Service, ensures data integrity and performs various functions related to the workgroup to avert losses and reduce undue risk
• May lead activities of documentation unit, assigning, prioritizing and monitoring work
• Provides support and coaching to less experienced quality control personnel
• Resolves complex unusual irregularities and items not in compliance with applicable regulations and/or Company policy
• Applies knowledge of Company policies to determine next steps in resolving outstanding issues
• Formulates and executes plans to resolve complex issues and involves others as appropriate
• Makes recommendations to management for improvement in processes related to files or areas of evaluation
• Evaluates trends in errors within assigned groups and suggests modifications to business processes to diminish errors
• May meet with management of business lines to discuss appropriate measures for error reduction.
• Follows-up on unresolved issues to ensure resolution
• Contacts appropriate departments, Employees, vendors, and Customers to ensure completion of unfinished items
• Creates documentation and status tracking methods to ensure timely completion of unresolved issues

Education & Experience:

• High School Diploma or GED, 2 year degree preferred
• 5+ Years of related experience
• In-depth knowledge of Company policy and applicable regulations
• Demonstrated ability to apply knowledge, research, and understanding to a specific problem or file in order to facilitate resolution
• Strong planning and organizational skills
• Ability to prioritize activities based on business objectives
• Excellent communication skills both written and verbal
• Proven ability to apply techniques to research and uncover questionable information in reviewed work
• Demonstrated ability to resolve problems efficiently and tactfully
• Demonstrated ability to provide guidance to others, clarifying complex policies and procedures and facilitating knowledge-sharing

Preferred Qualifications:

• FCRA and/or Credit Dispute Experience

Who We Are

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

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. 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

If you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.