Senior Compliance Business Oversight Manager - Consumer Banking

Senior Compliance Business Oversight Manager – Consumer Banking

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 not just about implementing a new program – it's 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 for the Marketing line of business.

This role will primarily focus on compliance matters impacting Consumer Banking, verifying business practices and marketing collateral aligns 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 the Marketing line of business, 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 Bank's risk philosophy and strategic direction.

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 the Marketing of Consumer Banking products and services, including but not limited to Reg Z, Reg DD, Reg B, Reg V, UDAAP, FDIC 328, FHA, Reg P, CAN-SPAM, and applicable state consumer protection, privacy, and emerging AI requirements.
• Experience in targeted compliance monitoring.
• Experience in control mapping and control design.
• 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…