Senior Compliance Business Oversight Manager (US)

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 Senior Compliance Business Oversight Manager Consumer Banking will provide compliance oversight advisory support and effective challenge and manage compliance risks across delivery channels such as Digital Banking Marketing Contact Centers and Retail/Branches.

This role will primarily focus on compliance matters impacting Consumer Banking verifying business practices align with applicable federal and state regulatory requirements. The position requires strong regulatory knowledge issue and change management expertise and the ability to partner with business leaders to identify risks remediate gaps and strengthen compliance controls.

Key Responsibilities:

• Serve as primary compliance support for assigned business lines providing oversight and independent challenge on business activities and initiatives with regulatory impact.

• Complete change risk assessments and related questionnaires for new business initiatives performing review and challenge of inherent regulatory risks mitigations and outlining conditions to launch; as well as presentation to executives for approval.

• Serve as a compliance advisor to business partners through regular meetings and process reviews.

• Manage and track compliance-related issues ensuring timely resolution and regulatory alignment.

• Lead regulatory change management efforts for new and updated state laws ensuring effective business adoption and compliance.

• Monitor regulatory complaints business reports and key risk indicators to identify trends gaps and potential compliance risks.

• Review and validate first-line testing to ensure gaps are addressed and aligned with regulatory expectations.

• Support control mapping to ensure regulatory requirements are linked to effective business controls.

• Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure

The above details are specific to the role which is outlined in the general summary below. Please review the Desired Skills and Experience as you are considering this role.

Job Description Summary

The Senior Compliance Business Oversight Manager provides advice support and objective guidance to assigned portfolio business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Banks risk philosophy and strategic direction.

Depth & Scope:

• Recognized as top level expert within the company and requires significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas

• Senior specialist providing advisory services to executives business segment leaders and governs the requirements for own work

• Integrates knowledge of the enterprise functions or business segments overarching strategy in leading program design policy formulation or operating standards within one or more areas of expertise

• Anticipates emerging business trends and regulatory/risk issues as a basis for recommending large-scale product technical functional or operations improvements

• Serves as a source of expert advice to senior management in field of specialty

• Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties

• Solves unique and ambiguous problems with broad impact; typically oversees standards controls and operating methods that have significant financial and operational impact within the context of their own field

• Requires innovative thinking to develop new solutions

• Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment

• Works within general policies and industry guidelines

• Engages stakeholders to take action; serves as a source of expert advice influences change; frames information in a broader organizational context

• Provides leadership guidance makes recommendations and collaborates with business to facilitate that solutions meet the business needs on a complex project or program

• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree or equivalent work experience

• 10 years of experience

Desired Skills and Experience:

• Strong subject matter expertise and knowledge of consumer banking regulations specifically as they impact delivery channels (i.e. Digital Banking (online and mobile) Marketing Retail/Branches Contact Centers) including Reg Z E Sign Reg B Reg E FCRA UDAAP FDICPersonal Financial Data Rights etc.

• Experience in compliance monitoring testing and control mapping.

• Hands-on experience in issue management and regulatory change management.

• Strong written and verbal communication skills with the ability to consult influence and provide constructive challenge to the business lines.

• Strong presentation skills and ability to present to executives.

• Relationship-building skills with the ability to work across multiple business lines.

• Proactive results-oriented and adaptable go-getter mindset.

• CRCM preferred

• It is a plus if the candidate has experience with Artificial Intelligence initiative implementations in a consumer banking setting (i.e. GenAI Agentic AI) and providing review and challenge on the inherent regulatory risks (including AI state law) required mitigations and conditions to launch.

Customer Accountabilities:

• Proactively advises the business of new and changed Compliance regulatory and/or policy changes

• Formulates relevant and meaningful data analysis leveraging advanced modeling and analytics and leads on the interpretation of complex business issues generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues

• Contributes to the development and implementation of Compliance programs

• Guides partner through the development implementation oversight and management of effective Compliance Programs

• Prepares summaries presentations briefing notes and any other required documentation to effectively report on the status of Compliance

• Represents Compliance on internal or external committees relating to designated business activities as required

• Delivers relevant subject matter expertise and Compliance advice to business management

• Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions makes recommendations assesses the effectiveness of programs/policies/practices

• Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis

• Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate

Shareholder Accountabilities:

• Actively assists in developing and overseeing implementation of business line policies and Compliance Team procedures

• Oversees respective programs/policies/practices are well managed meet business needs comply with internal and external requirements and align with business priorities

• Consistently exercises discretion in managing correspondence information and all matters of confidentiality; escalates issues where appropriate

• Partners with the governance & assurance function to develop annual awareness training

• Conducts enterprise wide annual risk assessment for all TD businesses

• Protects the interests of the organization identifies and manages risks and promotes the prompt and thorough resolution of escalated non-standard high risk issues

• Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience

• Actively manages relationships within and across various business lines corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements

• Keeps abreast of emerging issues trends and evolving regulatory requirements and assesses potential impacts

• Maintains a culture of risk management and control supported by effective processes in alignment with risk appetite

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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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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.