Compliance Business Oversight Manager

* Advising on regulatory matters, ensuring compliance with policies and standards, and interpreting key regulations such as RESPA, ECOA, HMDA, FCRA, UDAAP, Flood, E-Sign, SAFE Act, TILA and State laws applicable to residential secured lending.
* The Compliance Manager will collaborate closely with sales, underwriting, processing, and capital markets teams, providing input on processes, initiatives, marketing materials, and job aids to ensure regulatory compliance.
* The Compliance Manager will also be heavily engaged in issues management, regulatory change management, risk and control assessments, project support, and performing monitoring activities as assigned.
* The ideal candidate will have a solid background in mortgage originations, with home equity experience being a plus.
* Strong analytical skills, attention to detail, and the ability to confidently challenge practices and provide sound regulatory advice are essential for success in this role.
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* *** e above details are specific to the role which is outlined in the general description below. Please review the Desired Skills and Experience section below as you consider this opportunity.
*** 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
* ** Undergraduate degree or equivalent work experience**
* ** 7+ years of experience**
* ** Experience with Home Equity products and with sourcing of applications including sales and marketing, specifically RESPA Section 8 compliance policies and practices (includes kickbacks, referral fees, and unearned fess)**
* ** Experience/working knowledge in marketing and advertising – specifically FCRA (Fair Credit Reporting Act) and TILA (Truth In Lending Act) requirements and SAFE Act registration requirements for mortgage loan originators.**
* ** Experience/working knowledge and understanding of larger compliance management system and framework beyond technical compliance.
*** Proactively advises the business of new and changed Compliance regulatory and/or policy changes
* Formulates relevant and meaningful insights from data analysis 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
* Actively assists in developing Compliance Team procedures
* Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment Framework
* Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion
* Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
* May provide review and content in the development of annual awareness training
* Manages the risk assessment process for assigned businesses
* Protects the interests of the organization, our customers and our communities – 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…