Senior Compliance Business Oversight Analyst (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 is not just about implementing a new program its about creating a culture of compliance that will cascade throughout the organization.

The Compliance Business Oversight Analyst Consumer Banking will provide compliance oversight guidance and challenge across Deposit Product and/or Backoffice Operations. The position requires regulatory knowledge issue and change management experience and the ability to partner with key stakeholders and business leaders to identify risks remediate gaps and strengthen compliance controls. The ideal candidate thrives in a fastpaced environment and brings the ability to operate effectively in a dynamic evolving landscape. Success in this role requires a balance of handson execution strong verbal and written communication skills and the ability to collaborate across Compliance Risk and Business partners.

This role will be largely focused on compliance matters impacting Consumer Banking ensuring business practices align with applicable federal and state regulatory requirements.

Key Responsibilities:

• Serve as 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.

• Support 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 description below. Please review Preferred skills & experience below as you consider this opportunity.

Job Profile Summary

The Compliance Business Oversight Analyst 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:

• Works independently and is accountable for managing a specialized Compliance function or area

• Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates

• Provides advanced analysis and/or specialized reporting to support business partners functional areas or centers of expertise

• Provides guidance and support to analysts on matters related to portfolio and specialty

• Typically a subject matter expert for a key functional Compliance area and business

• Contact for business management dealing with non-routine information

• Manages/assists with regulatory reviews including inquiries audits and exams

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

Education & Experience:

• Undergraduate degree or equivalent work experience

• 7 years of experience

Preferred Skills:

• Subject Matter Expertise and knowledge of consumer banking regulations specifically as they impact Deposit Products and Backoffice Operations including Reg E Reg CC Reg DD Reg Z FCRA UDAAP FDIC 370 etc.

• Experience in compliance monitoring testing and/or 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.

• Ability to present information to key stakeholders.

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

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

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.