Senior Compliance Business Oversight Analyst (US

Senior Compliance Business Oversight Analyst

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details: $72,280 - $117,520 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 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 Analyst supports adherence to applicable statutory and regulatory requirements, including the Fair Credit Reporting Act (FCRA/Regulation V), Equal Credit Opportunity Act (ECOA/Regulation

B), Truth in Lending Act (TILA/Regulation Z), Service members Civil Relief Act (SCRA), Electronic Fund Transfer Act (EFTA/Regulation

E), and other consumer protection laws and regulations. Knowledge of applicable Federal Deposit Insurance Corporation (FDIC) regulations and guidance, including deposit insurance requirements and related obligations under Parts 330 and 370, is preferred. The individual will contribute to compliance-related initiatives, participate in internal reviews, assess controls, manage issues, and collaborate with business partners and stakeholders across the organization. Strong communication, analytical, and reporting skills, along with a working knowledge of consumer protection laws and regulations, are important for success in this role.

The above details are specific to the role which is outlined in the Job Summary and general description below. Please review the Desired Skills & Experience section below as you consider this opportunity.

Depth & Scope:

• Expected to exercise sound and expert independent professional judgment and discretion in interacting and communicating with staff and senior management of the Bank with respect to significant regulatory compliance risk matters.
• Empowered to make prudent professional decisions in rendering advice and counsel to business lines or assigned areas, on compliance matters and regulatory risks which may impact performance of the business and overall enterprise strategies and objectives.
• Expert level professional role requiring in-depth knowledge/expertise in Compliance and working knowledge of broader related areas
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise
• Research, review and maintain expertise on banking regulations and laws, banking policies and procedures, and consumer protection laws
• Acts as the primary subject matter expert for regulations applicable to business partners and provides guidance, consultation and expert advice with respect to the business partners' compliance with such regulations directly related to the operations of the business
• Creates training content and may train business partners on regulatory requirements
• Advises the business with respect to the implementation of new and amended regulatory requirements
• Independently reviews and utilizes discretion, judgement and specialized expertise in approving the documentation for business line use: disclosures; forms; customer-facing correspondence; operating procedures; and policies
• Independently performs targeted and periodic monitoring of business activities for compliance with regulatory requirements and regulator expectation
• Identifies and communicates areas of non-compliance and/or material control weaknesses
• Responsible for the oversight of business partners' remediation of regulatory issues, including exercising discretion and independent judgment in reviewing and approving remediation action plans
• Responsible for assessing regulatory risk associated with new products, services and other initiatives that have significant operational or financial impact
• Integrates the broader organizational context into advice and solutions within the Compliance area
• Understands the industry, competition and the factors that differentiate the organization
• Leads…