Data Scientist III - FCRM Risk Modeling
TD Bank · Charlotte, NC
$96,130–$155,950from the description
Jul 24, 2026
Charlotte, NC
Jul 26, 2026
What this job asks for AI summary
A senior data science role embedded in a financial crimes unit, focused on building and maintaining anti-money laundering and counter-terrorism financing models and AI solutions. Day-to-day work spans areas such as transaction monitoring, customer risk rating, sanctions screening, and model performance tracking, with a particular emphasis on machine learning, Python-based development, and emerging generative AI applications. Suits an experienced data scientist with a strong statistics background and ideally some exposure to financial crimes or compliance analytics.
Senior level · 5+ years · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · Full-time
We read this from the posting text with AI. Skim the description below before ruling yourself out.
How this req sits in the market our data
Roughly 55 people in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area plausibly meet what this posting asks for (data scientists). range 15–85
Applicant volume Moderate — A normal amount of company. The rare requirements below are what will separate a shortlisted application from the rest.
Rare in this occupation — lead with these, and say what you built with them.
Most people in this occupation already list these. Still required — just not what gets you shortlisted.
What the occupation pays Median $112,327 (middle half $84,835–$156,058). This posting is about at that midpoint.
Estimated from BLS employment for this occupation and area, per-skill prevalence across our listing corpus, and published wage benchmarks — as of Jul 28, 2026. It is a model, not a headcount.
Why we read it this way (9)
The role is titled 'Data Scientist III', which maps to a Senior-level individual contributor. The 'III' numeric level in the title is treated as a Senior designation.
Degree is listed as 'preferred' (undergraduate or graduate), not hard-required; equivalent project/research experience is explicitly accepted, so the degree requirement is set to None.
The '5+ years of relevant experience' is stated under the Education & Experience section as a preferred/graduate-level qualifier, but it is the clearest overall experience signal in the posting and is used as the overall years minimum.
Python and SQL are explicitly called out as 'a must' within the Preferred Skills section — despite the section heading, the firm 'must' language gates these as hard requirements.
Statistics, machine learning, regression, classification, and anomaly detection are described with 'strong foundation' language under Preferred Skills; the 'must' language for Python/SQL and the overall framing of the section treat these foundational modeling skills as core gates.
GenAI/LLM experience (fine-tuning, prompting, LLM APIs, data labeling) is explicitly called 'a strong plus' and 'a plus', placing it firmly in the preferred category.
Financial Crimes / Compliance Risk Analytics experience is listed as 'a plus' — preferred only.
Mount Laurel, NJ falls within the Philadelphia-Camden-Wilmington CBSA (37980).
Ignored 1 non-technology phrase(s) as skills (responsibilities/concepts, not named tools): Financial Crimes / Compliance Risk Analytics.
Read the full posting
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