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 at TD. Our 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 Compliance Business Oversight Manager – Consumer Banking will provide compliance oversight, advisory support and effective challenge, and manage compliance risk for the Contact Centers. This position will also manage the engagement model for other areas of Compliance with business lines supported by the Contact Centers.

This role will primarily focus on compliance matters impacting Consumer Banking, verifying business practices align with applicable federal and state regulatory requirements. The position requires strong regulatory knowledge, issue, control and change management expertise, writing skills, 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 assigned business lines, providing oversight and independent challenge on business activities and initiatives with regulatory impact.
• •Maintain an engagement model to support other impacted areas of Compliance, including roles and responsibilities.
• •Serve as the regulatory compliance subject matter expert for in scope laws, rules and regulations applicable to the business and provide related advice and challenge as required.
• •Monitor business line activity via Issues management, monitoring, and testing activity. Participate in forums, committees, and regular meetings as required.
• •Participate in change management efforts for material changes to the business and 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.
• •Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.
• •Lead regulatory change management from a Compliance perspective 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 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

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

Education & Experience:

Undergraduate degree or equivalent work experience

7+ years of experience

Desired Skills and Experience:

Strong subject matter expertise and knowledge of consumer banking regulations including as those requirements affect the work of employees working in call centers.

Experience in compliance monitoring, testing, and control mapping.

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 risks (including AI state law), required mitigations, and conditions to launch.

Customer Accountabilities:

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

Shareholder Accountabilities:

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 ex