Compliance Business Oversight Manager - Consumer Banking

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$91,000 - $145,600 USD

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  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.

Line of Business:

Compliance

Job Description:

Why Work with Us?

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll 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 - it's about creating a culture of compliance that will cascade throughout the organization.

The Compliance Business Oversight Manager - Consumer Banking will provide compliance oversight, guidance, and challenge for the Retail Branch, Contact Center, and Marketing distribution channels. The successful candidate should have expertise in consumer banking laws and regulations and experience supporting distribution channels, including, specifically Retail Branch, Contact Center, and Marketing, managing regulatory compliance risk as it impacts their activities. Familiarity with Retail Branch, Contact Center, and Marketing processes is required, as well as the regulatory risks most challenging to managing in those environments (such as sales-practices and communications-related requirements).

The position requires strong regulatory knowledge, consumer distribution channel operations, 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 the Retail Branch, Contact Center, and Marketing distribution channels, 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 description below. Please review Desired Skills & Experience below as you consider this opportunity.

Job Profile Summary

The 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 Bank's 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

* 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…