Auto Complex Claims Advisor II (On-site)

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Pay Details:

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 (TD) and we’re driven to provide legendary experiences and trusted advice to our customers. We help 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 products and services are available through a network of more than 1,000 TD branches and online.   
   
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’re committed to fostering an inclusive, accessible environment for our colleagues. With a national workforce of over 4,000 employees that span Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and we’re dedicated to helping you grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated and professional development is important to help our colleagues unlock their full potential. More than just a job, we offer rewarding careers. 

As a Complex Auto Property Damage Advisor, you will manage complex automobile property damage claims involving higher levels of exposure, technical analysis, and decision-making. You will investigate, evaluate, negotiate, and resolve claims while balancing customer experience, risk management, and operational excellence.

This role requires strong claims expertise, sound judgment, and the ability to navigate complex coverage, liability, valuation, and settlement issues. You will support customers through challenging situations while ensuring claim outcomes are fair, accurate, and defensible.

• Deliver a customer-first experience through empathy, professionalism, and clear communication.
• Provide timely updates and guidance throughout the claims process.
• Build trust through fair claim handling, effective negotiation, and quality service.
• Manage sensitive customer concerns and escalations with confidence and professionalism.

• Manage complex automobile property damage claims end-to-end, including third-party property damage, total losses, specialty vehicles, and multi-exposure losses.
• Investigate and assess liability, damages, indemnity exposure, and settlement strategy.
• Negotiate claim settlements and total loss resolutions within established authority levels.
• Establish and maintain appropriate reserves throughout the life of the claim.
• Maintain accurate, detailed, and defensible claim documentation.
• Manage a diverse portfolio of complex claims while meeting quality and service expectations.

• Gather and assess information from multiple sources to support claim decisions.
• Apply policy and coverage knowledge to evaluate entitlement and explain claim outcomes.
• Identify risk, coverage concerns, fraud indicators, and escalation points.
• Ensure claims are handled in accordance with regulatory and risk management standards.

• Partner with legal counsel, vendors, appraisers, repair facilities, and internal stakeholders to achieve timely claim resolution.
• Collaborate with leadership and technical specialists on complex or high-risk files.
• Support knowledge sharing and contribute to a positive, accountable team environment.

• Continue developing expertise in coverage analysis, negotiation, and complex claim handling.
• Participate in training, coaching, and cross-functional development opportunities.
• Contribute to process improvements that enhance claim quality and customer experience.

• 3-5+ years of automobile claims handling experience.
• Strong knowledge of auto claims, liability assessment, and settlement practices.
• Proven ability to manage complex claims and make sound decisions.
• Strong analytical, investigative, negotiation, and communication skills.
• Ability to manage competing priorities while maintaining quality and attention to detail.
• Post-secondary education and/or CIP designation is considered an asset.

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):