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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.

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
• Connect and Learns on topics such as Innovation
• Diversity and Inclusion and Personal Branding and so much more

About TD Insurance

Our Business:
TD Insurance helps to protect Canadians against the accidents of life with a wide range of products, including life, health, travel, home and auto insurance, as well as credit protection.

 
Our Lines of Business:
We offer General Insurance and Life & Health in Canada

This position is part of Pricing Actuarial team reporting to the Actuarial Specialist, Pricing. The team is responsible for evaluating the profitability of existing insurance products and assessing the financial viability of new product initiatives for TD Life Insurance Company.

Key responsibilities include:

• Analyzing and monitoring product profitability to support pricing and business decisions.
• Developing recommendations relating to domestic reinsurance arrangements.
• Providing monthly premium and claims projections for creditor insurance products underwritten by third-party insurers.
• Acting as an actuarial consultant to the various lines of businesses by assessing the impact of proposed product and process changes and providing financial insights to support decision-making.

JOB DESCRIPTION

The Actuarial Analyst will report directly to the Actuarial Specialist, Pricing, TD Life Insurance Company.

Key Accountabilities include (but not limited to):

• Assist with preparation end of treaty reinsurance true up packages.
• Assist with preparation of reinsurance treaty yearly renewal packages.
• Support the Actuary on claims experience analyses & monitoring.
• Assist with the review and update of business Policies and Procedures in accordance with review cycles.
• Support the TDRB team with ad-hoc requests and other deliverables.

JOB REQUIREMENTS

• Currently enrolled in an undergraduate degree in Actuarial Sciences, Risk Management, Finance, Accounting, Analytics, Data, Business/Commerce or related field.
• Has passed at least 2 actuarial exams in the SOA/CIA track.
• Must be enrolled in an undergraduate degree with the intent of going back to school at the start of your work term.
• Working knowledge of or willingness to learn Microsoft Outlook, Excel, Word, PowerPoint and collaborative software such as WebEx and MS Teams

Required Skills & Abilities:

• Strong analytical and problem-solving skills
• Excellent organizational skills and acute attention to detail
• Ability to work as part of a team and/or independently
• Effective written and verbal communication skills

ADDITIONAL INFORMATION

• This position is a 4-month work term and will commence Jan 4th – April 23rd, 2027.
• 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.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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):