Claims Specialist - Claims Bodily Injury

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.

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, wealth, 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. In Canada, we have two lines of business, General Insurance and Life and Health.

Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada, At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 4,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow, TD Insurance offers a stable and dynamic work environment where talent is appreciated, and professional development is taken seriously. More than just a job, we offer rewarding careers.

Job Description

In this role, you will handle a portfolio of complex, high‑severity and litigated Bodily Injury and Liability claims, applying advanced technical analysis and sound judgment to achieve fair and sustainable outcomes. You will ensure adherence to legal, governance, and corporate standards while proactively mitigating risk and protecting shareholder value.

You will act as a technical resource for colleagues, providing coaching, guidance, and mentorship to support capability development across the Casualty Claims team. You will also collaborate extensively with Legal Services, Actuarial, Underwriting, and Governance partners to align claim strategy, maintain consistency, and ensure operational excellence.

In addition, you will support FRC and CAT operations when needed, contributing to continuity, technical rigor, and strong customer experience during surge conditions.

Key Responsibilities

• Manage a portfolio of complex, severe, and litigated Bodily Injury/Liability claims in alignment with TDI legal and governance frameworks.

• Conduct advanced liability evaluations, risk assessments, reserve analyses, and resolution strategies.

• Exercise settlement authority responsibly to achieve fair outcomes and protect shareholder value.

• Provide coaching, direction, and technical support to L2/L3 Analysts.

• Serve as a subject matter expert in BI reserving, litigation strategy, jurisprudence interpretation, and technical consistency.

• Prepare for and participate in NTAC (National Technical Authority Committee) meetings, including trial plans, budgets, and technical assessments.

• Prepare for and participate in Large Loss Authority reviews, including MCU worksheets and strategic file presentations.

• Ensure all recommendations and documentation meet governance and audit expectations.

• Monitor changes in legislation, case law, and market practices affecting BI/Liability claims.

• Provide insights and recommendations to leadership on emerging risks and potential procedural or policy improvements.

• Partner with Legal Services, Actuarial, Underwriting, Governance & Control, and external defence counsel to align strategies and drive quality outcomes.

• Support FRC and CAT queues during surge events, ensuring continuity of service and technical excellence.

• Champion best practices that strengthen operational efficiency, customer experience, and claim quality.

• Foster a positive, inclusive, and high‑performance culture aligned with TD values.

Job Requirements:

• University degree in Law, Business, Criminology, Insurance, or related field.

• CIP/FCIP designation (or active progression) strongly preferred.

• 3–5 years of progressive experience in Casualty/Bodily Injury claims, including litigated or high‑severity files.

• Proven expertise in BI reserving, risk assessment, and litigation management.

• Strong understanding of tort law, liability principles, and litigation processes.

• Exceptional analytical, critical thinking, and negotiation skills.

• Excellent communication and relationship‑building abilities.

• Demonstrated judgment and commitment to governance and ethical decision‑making.

• Ability to manage competing priorities in a fast‑paced environment.

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.

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.