Work Location: Montréal, Quebec, Canada Hours: 35 Line of Business: TD Insurance Pay Details: 79 100 $/$79,100 - 111 700 $/$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 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. Job Description: Reporting to the Senior Manager, Commercial Property, the Commercial Property Claims Advisor is responsible for managing commercial property claims from initial investigation through resolution. In this role, you will apply sound technical judgment, strong customer service skills, and a sense of urgency to deliver fair, accurate, and timely claim outcomes while helping customers feel informed and supported throughout the claims experience. Provide sound advice and clear communication at every customer interaction to support a legendary customer experience. Treat each claim as unique, using sound judgment and appropriate methods to reach fair and equitable claim resolutions. Gather, assemble, and verify information and documentation from all available sources to support a thorough investigation and confirm coverage. Review insurance policies, contracts, endorsements, and related documentation to accurately assess coverage, conditions, exclusions, and limits. Review damage estimates, appraisals, expert reports, and supporting documentation to determine probable outcomes and support accurate reserving practices. Evaluate new information and revise reserves promptly to maintain accurate case reserves and support strong claims discipline. Provide proactive updates to customers throughout the claims lifecycle so they understand next steps and feel supported in the process. Resolve customer concerns appropriately and escalate issues when required in accordance with TD Insurance processes and guidelines. Work with claim management vendors, appraisers, and experts to maintain service standards and support timely claim resolution. Remain current on applicable case law, regulatory and legislative changes, policy wording, and internal procedures relevant to commercial property claims. Apply claims management principles and procedures to manage claims costs, reduce leakage, and support consistent quality outcomes. Identify red flags, fraud indicators, coverage concerns, and other risk issues, and handle or escalate them according to organizational processes and procedures. Meet departmental productivity, quality, and service expectations, including file inventory, cycle time, open/close ratio, and other performance objectives. Participate fully as a member of the team by supporting a positive work environment that promotes service, quality, innovation, accountability, and teamwork. Requirements: College or university degree and/or equivalent related work experience. 3+ years of experience handling Commercial Property claims, including exposure to Crime and Business Interruption coverages. Bilingualism in English and French is required for this role In order to be considered for this role, a successful candidate must possess a valid AMF claims adjuster license Strong knowledge of commercial property insurance policies, coverage interpretation, claims investigation, reserving, and settlement practices. Strong customer service orientation with the ability to communicate clearly, professionally, and with empathy during complex claim situations. Strong analytical, problem-solving, decision-making, and organizational skills with the ability to manage competing priorities. Ability to work independently, exercise sound judgment, and collaborate effectively with colleagues, vendors, experts, and internal business partners. CIP designation or active progress toward CIP is considered an asset. #IN-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. 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): Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec des employés ou des collègues qui ont besoin de services et de soutien dans une langue autre que le français. US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific