Head of Retail Internal Quality Controls

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40 Pay Details: $200,000 - $225,000 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.

Job Description:

This role leads the Retail Distribution Internal Quality Controls function for the U.S. retail network, establishing and overseeing the control environment across financial centers to ensure operations are conducted in a safe, compliant, efficient, and well-controlled manner. Accountable for developing and executing the network internal controls strategy, strengthening risk management practices, reducing operational losses and fraud exposure, and driving sustainable regulatory compliance.

Partners closely with Retail Distribution, Compliance, Risk Management, and Audit to identify, assess, monitor, and remediate control gaps while fostering a strong culture of accountability and risk awareness across the branch network. Provides independent challenge, governance, and oversight to support the achievement of business objectives while protecting the Bank, its clients, and its reputation.

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required Leads and oversees the internal controls framework across the retail center network, reviewing financial center activity operates in a safe, compliant, efficient and well controlled manner, protecting the bank and clients from risk Accountable for preventing operational losses, reducing fraud risk, strengthen regulatory compliance and drives a strong control culture in 1100+/- locations Provides independent challenge and oversight to bank management while partnering across retail distribution, compliance, audit and risk partners Develops and implements the branch internal controls strategy aligned to enterprise risk appetite Establishes branch control standards, policies and procedures Maintains branch control framework, risk taxonomy, and governance routines Escalates control matters and works to address the matters to effective resolution Oversees control effectiveness across all locations;

reviewing and identifying risks and ensures they are remediated Identifies, assesses, monitors and mitigates risks in locations/monitoring for all areas of risk Ensures financial center adherence to regulations/policies/standards/procedures Owns reviewing all high risk transactions; eliminating fraud Primary owner of branch audit issues and remediation

• Undergraduate degree or equivalent work experience required
• Bachelor's degree in Business Administration, Finance, Accounting, Risk Management, Economics, or related field preferred
• Advanced degree (MBA, Master's in Finance, Risk Management, or related discipline) preferred
• Professional certifications such as CRCM, CAMS, CISA, CIA, CRMA, or other risk, compliance, audit, or control-related designation are an asset
• 12+ years of progressive experience in banking, operational risk management, internal controls, compliance, audit, retail banking operations, or related financial services disciplines
• 7+ years of leadership experience managing teams and enterprise-scale control, risk, compliance, or operational excellence programs
• Extensive knowledge of retail banking operations, branch processes, fraud prevention controls, regulatory requirements, and risk management frameworks
• Demonstrated experience designing, implementing, and governing internal control frameworks across geographically dispersed operations
• Proven success identifying and remediating control weaknesses, audit findings, regulatory issues, and operational risks
• Experience partnering with internal audit, compliance, legal,…