Work Location: Markham, Ontario, Canada

Hours: 35

Line of Business: TD Insurance

Pay Details: $56,400 - $83,000 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 (TD) and we are 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 are 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 are 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.

About the Role

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.

Key Responsibilities

Customer Experience (Legendary Service)

Deliver a customer-first experience through empathy, professionalism, and transparent 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.

Execution & Claim Management

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.

Analytical Thinking & Risk Management

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.

Collaboration & Teamwork

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.

Growth & Continuous Improvement

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 custom

📌 Auto Complex Claims Advisor II (Markham)
🏢 TD Bank Group
📍 Markham