US Wealth Compliance Regulatory Intake and Analysis

Work Location:

Hours:

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 candidates 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.

Line of Business:

Job Description:

Why Work with Us

At TD Bank US Compliance were on a mission to build a more resilient and scalable compliance risk management function. As part of our team youll play a key role in reshaping compliance structures and processes driving innovation at every level. Here each team member has a chance to make a tangible impact both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program its about creating a culture of compliance that will cascade throughout the organization.

The Ideal Candidate:

The ideal candidate will thrive in a fast-paced start-up-like setting as we build a new compliance structure that aligns with the banks size complexity and risk this role youll need to be strategic tactical collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise were looking for someone with an entrepreneurial mindsetsomeone who can roll up their sleeves takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic evolving landscape are essential as the US Compliance team redefines the banks compliance program and structure.

Most importantly the right candidate is seeking an intellectual challenge has a desire to learn and is committed to building something impactful from the ground up. At TD Bank youll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. management areas broader organization and enterprise as appropriate.

Department Overview:

U.S. Wealth Compliance acts as an independent regulatory compliance and conduct risk management and oversight function as described in the U.S. Compliance Operating Framework (COF) including.

• Compliance-wide frameworks guidelines and standards for testing monitoring risk assessment reporting and other activities
• Internal Audit regulatory exam and ongoing supervision management finding tracking and remediation oversight
• Foster a culture of integrity ethics and compliance across the organization to manage and mitigate regulatory compliance and conduct risks.
• Contribute to growth innovation and efficiency within risk appetite through expert objective guidance and independent challenge.

U.S. Wealth is a fully integrated wealth management business that provides products and services (designed for High-Net-Worth Institutional and Mass Affluent clients of TD Bank N.A. encompassing banking custom credit asset management securities investment advisory and insurance) through multiple legal entities (TD Bank N.A. TD Private Client Wealth LLC and TD Wealth Management Services Inc) with independent and complex regulatory regimes.

The Financial Advisors Relationship Managers and Investment Advisors who are part of the client-facing Distribution teams are both securities-registered and insurance-licensed. Additionally the Trust Advisors support both personal and corporate trust as well as the Wealth Mortgage Lending Officers (WMLO) and the Wealth Lending Advisors (WLA) who support the lending activities of Wealth Banking.

In this position the Analyst will be responsible for supporting the business in identifying assessing and implementing regulatory changes. Primary responsibility includes the initial analysis and breakdown of new and revised laws rules and regulations; developing detailed summaries which highlight potentially applicable aspects of the rule; presenting results to business line specialists to determine applicability of the rule for each of our US Wealth business lines; and supporting business line regulatory change implementations including overseeing business changes to policies procedures systems and/or controls via formal issue assignments action plans or projects.

The position requires a compliance knowledge with applicable laws and regulations an ability to work both individually and as a team strong analytical skills and attention to detail. The position supports a sustainable U.S. Wealth Compliance function that effectively manages and oversees regulatory compliance risk and conduct risk in U.S. Wealth businesses by:

• Analyzing new or updated laws rules and regulations to identify actionable citations and obligations that could be applicable to the business prior to engaging business stakeholders
• Developing detailed summaries of identified rules and regulations for use in meetings with business stakeholders to determine applicability
• Proactively managing regulatory change in collaboration with the U.S. Wealth business key stakeholders and risk owners including
• Applicability reviews where regulations are presented to the business stakeholders to determine which actionable line items would apply to the business
• Oversight of related administrative updates to ensure:
  • Formal issues with remediation steps are entered into the issues management system to track work needed to comply with new or revised rules
  • Controls are drafted updated and/or applied to the new or revised rules
  • Related policy procedure and guidance documents are updated to ensure ongoing compliance with the new or revised rules.

• Establishing and maintaining or providing review and challenge to policies procedures and related controls designed to meet regulatory requirements and manage regulatory compliance risk and conduct risk

Job Summary:

The Senior Compliance Business Oversight Analyst provides objective guidance support and advice to assigned portfolio business or function to promote strong Compliance controls and processes are in effect to mitigate inherent associated risks. This role contributes to the development and implementation of Compliance programs related to all aspects of Compliance laws.

Depth & Scope:

• Expected to exercise sound and expert independent professional judgment and discretion in interacting and communicating with staff and senior management of the Bank with respect to significant regulatory compliance risk matters.
• Empowered to make prudent professional decisions in rendering advice and counsel to business lines or assigned areas on compliance matters and regulatory risks which may impact performance of the business and overall enterprise strategies and objectives.
• Expert level professional role requiring in-depth knowledge/expertise in Compliance and working knowledge of broader related areas
• Provides advanced analysis and/or specialized reporting to support business partners functional areas or centers of expertise
• Research review and maintain expertise on banking regulations and laws banking policies and procedures and consumer protection laws
• Acts as the primary subject matter expert for regulations applicable to business partners and provides guidance consultation and expert advice with respect to the business partners compliance with such regulations directly related to the operations of the business
• Creates training content and may train business partners on regulatory requirements
• Advises the business with respect to the implementation of new and amended regulatory requirements
• Independently reviews and utilizes discretion judgement and specialized expertise in approving the documentation for business line use: disclosures; forms; customer-facing correspondence; operating procedures; and policies
• Independently performs targeted and periodic monitoring of business activities for compliance with regulatory requirements and regulator expectation
• Identifies and communicates areas of non-compliance and/or material control weaknesses
• Responsible for the oversight of business partners remediation of regulatory issues including exercising discretion and independent judgment in reviewing and approving remediation action plans
• Responsible for assessing regulatory risk associated with new products services and other initiatives that have significant operational or financial impact
• Integrates the broader organizational context into advice and solutions within the Compliance area
• Understands the industry competition and the factors that differentiate the organization
• Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
• Contact for business management external/internal auditors dealing with non-routine information
• Recommends and implements solutions within own area of responsibility
• May need to coordinate/integrate work with other areas as needed
• Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree or equivalent work experience
• 5 years of experience

Preferred Background & Experience

• Experience with regulatory breakdown and assignment within the Financial Services sector is preferred.
• Knowledge and experience within compliance or audit related to legal and regulatory environment and enterprise governance framework a plus.
• Knowledge of current and emerging trends including regulatory expectations and standards for effective compliance management systems
• Ability to research interpret and summarize relevant regulatory expectations laws regulations and impacts to Compliance Program elements.
• Experience working in an integrated wealth business as a bank subsidiary a focus on state insurance regulatory requirements and securities regulatory requirements is preferred.
• Skill in using computer applications including MS Office Suite
• Familiarity with data visualization tools including PowerBI and Tableau a plus
• Ability to independently identify assess and escalate issues requiring senior management attention.

Customer Accountabilities:

• Assists in the development and implementation of appropriate Compliance policies processes and controls
• Facilitates the periodic Compliance risk and self-assessment activities for designated business using TDs Enterprise Compliance Risk Assessment Framework
• Monitors that assessments (monitoring risk assessment etc.) are completed and communicated in a continuous and timely fashion
• Guides and complements the assigned portfolio in terms of financial regulatory and risk management requirements
• Interacts with control functions within the organization
• Develops analysis and insights prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products

Shareholder Accountabilities:

• Updates business line policies and Compliance Team procedures
• Analyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levels
• Works directly with business management and with internal and external business partners (e.g. Internal Audit external consultants) to respond to regulatory requests findings audits and/or examinations Keeps abreast of emerging issues trends and evolving regulatory requirements in the Compliance industry and assesses potential impacts
• Coordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise
• Supports in determining risk exposure mitigation and controls for new products marketing campaigns and expansion of existing programs
• Conducts enterprise wide annual risk assessment for all TD businesses
• Supports the business lines with compliance/risk controls and periodically evaluates risk mitigation efforts to adjust as risk/department influences change
• Protects the interests of the organization identifies and manages risks and promotes the prompt and thorough resolution of escalated non-standard high risk issues

Employee/Team Accountabilities:

• Participates fully as a member of the team supports a positive work environment that promotes service to the business quality innovation and teamwork and promotes timely communication of issues/points of interest
• Provides thought leadership and or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business
• Keeps current on emerging trends/developments and grows knowledge of the business related tools and techniques
• Participates in personal performance management and development activities including cross training within own team
• Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others by sharing knowledge and experiences and leveraging best practices
• Leads motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships.
• Contributes to a fair positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional

• International Travel Never

• Performing sedentary work Continuous

• Performing multiple tasks Continuous

• Operating standard office equipment - Continuous

• Responding quickly to sounds Occasional

• Sitting Continuous

• Standing Occasional

• Walking Occasional

• Moving safely in confined spaces Occasional

• Lifting/Carrying (under 25 lbs.) Occasional

• Lifting/Carrying (over 25 lbs.) Never

• Squatting Occasional

• Bending Occasional

• Kneeling Never

• Crawling Never

• Climbing Never

• Reaching overhead Never

• Reaching forward Occasional

• Pushing Never

• Pulling Never

• Twisting Never

• Concentrating for long periods of time Continuous

• Applying common sense to deal with problems involving standardized situations Continuous

• Reading writing and comprehending instructions Continuous

• Adding subtracting multiplying and dividing Continuous

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

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 base salary and variable compensation/incentive awards (e.g. eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and several other key plans such as health and well-being benefits savings and retirement programs paid time off (including Vacation PTO Flex PTO and Holiday PTO) banking benefits and discounts career development and reward and recognition. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 youre 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.

Were 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 youve got everything you need to succeed in your new role.

Interview Process
Well 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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.