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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:

GI Pricing oversees the overall pricing strategy of general insurance products that aligns with TD Insurance's business objectives in compliance with jurisdictional premium regulations.

Pricing is a determining component of our home and auto insurance products that cater to direct and affinity markets.

Reporting to the Actuarial Senior Manager, Pricing Initiatives, UBI & Governance, the Actuarial Specialist, Pricing Initiatives & Governance plays a leadership role in:

• Supporting the execution of pricing and actuarial initiatives across products and markets, ensuring alignment with business objectives and regulatory expectations
• Lead and contribute to strategic initiatives such as marketing refresh programs, including analysis, implementation support, and tracking of business impacts (retention, growth, profitability)
• Support the design, monitoring, and continuous improvement of customer programs and pricing strategies aimed at improving retention, customer experience, and competitive positioning
• Coordinate the preparation and review of documentation for pricing changes, initiatives, and governance requirements, ensuring clarity, consistency, and adherence to internal standards
• Partner with Product, Marketing, Pricing, and Distribution teams to support the implementation of business initiatives, ensuring actuarial considerations are effectively integrated into decision-making
• Contribute to the development and maintenance of streamlined processes, tools, and templates to improve efficiency, consistency, and scalability of actuarial and pricing activities
• Identify opportunities for process improvements and automation to reduce manual effort, enhance data quality, and improve turnaround time for analyses and deliverables
• Assist in ensuring appropriate controls, documentation, and review processes are in place for pricing changes and model updates, with a focus on practicality and efficiency
• Collaborate with Risk, Compliance, and Governance teams to support key deliverables (e.g., audit requests, model documentation) in a pragmatic and business-focused manner
• Monitor emerging trends, regulatory developments, and competitive actions to inform initiative design and support proactive adjustments to pricing and product strategies
• Develop strong working relationships with stakeholders across business and functional teams to facilitate effective delivery of initiatives and alignment on priorities
• Build for the future
  • Contribute to the evolution of best practices in pricing initiatives, process optimization, and delivery frameworks
  • Share knowledge and support team members in adopting new tools, processes, and ways of working
  • Act as a resource and mentor for junior team members on initiative execution and actuarial best practices

Job Requirements

• At least 7 years of actuarial experience in Property & Casualty
• Bachelor's degree in actuarial sciences or related field
• FCIA near completion or at least seven Casualty Actuarial Society professional exams (preferred)
• Excellent knowledge of Excel
• Proficiency and interest for programming, notably SAS, VBA, R, Python
• Advanced analytical, decision-making and problem solving skills
• Client-focused and aptitude for teamwork with solid organizational and communications skills
• Excellent time management skills with a proven ability to meet deadlines.
• Autonomous and perseverance; shows initiative and creativity in their work
• Recognized for their thoroughness and the quality of their work
• Note that candidates located in Quebec City are eligible to work from the Quebec office

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):