Compliance Testing Manager (US)

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$91,000 - $136,240 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 Ideal Candidate

The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank’s size, complexity, and risk profile. In this role, you’ll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise, we’re looking for someone with an entrepreneurial mindset—someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.

Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you’ll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

U.S. Compliance Monitoring and Testing Team Summary:

U.S. Compliance Monitoring & Testing, within Second Line Compliance, executes independent, risk-based compliance testing and validation activities to assess the effectiveness of controls and processes designed to meet regulatory requirements. Testing evaluates compliance with applicable laws, rules, and regulations, while issue validations independently assess the effectiveness and sustainability of corrective actions implemented to address identified compliance issues.

Duties:

The Compliance Testing Manager is responsible for planning, executing, and overseeing independent, risk-based compliance testing engagements. This role provides subject matter expertise on compliance risks, controls, and processes, leads all phases of assigned engagements, and performs testing activities as needed. The Manager may also support issue validations and other strategic initiatives on an as-needed basis.

Job Summary:

The Compliance Testing Manager is responsible for planning and overseeing independent Compliance testing completed by specialists. May execute some independent testing as applicable. This role provides subject matter expertise on Compliance controls/processes and is responsible for leading all phases of the assigned testing engagement.

Depth & Scope:

• •Works independently and be accountable for acting as a lead in executing engagements and provides work direction to others on those engagements
• •Considered subject matter expert in Compliance testing methodologies
• •Provides subject matter expertise and/or guidance to various stakeholders and team members
• •Advanced knowledge of external competition, industry and/or market trends in relation to own function/business
• •Scope of role may have enterprise impact
• •Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise
• •Independently performs concurrent multiple reviews and related tasks from end to end
• •May act as highest point of team escalation for resolution and provides direction to resolve issues or escalates

Education & Experience:

• •Undergraduate degree or equivalent work experience
• •7+ years of experience

Desired Qualifications:

• •Experience in compliance testing, audit, risk management, or regulatory compliance within a regulated environment.
• •Experience leading and executing compliance testing, validation, audit, or monitoring engagements.
• •Experience using data analytics and AI-enabled tools to enhance testing effectiveness and identify regulatory risks.
• •Strong knowledge of regulatory requirements, risk management frameworks, and compliance testing methodologies.
• •Ability to interpret laws, regulations, and regulatory guidance and assess impacts to compliance programs.
• •Strong analytical skills with the ability to identify, assess, and escalate risks and issues.
• •Proficiency with Microsoft Office and reporting tools.
• •Strong organizational, project management, and communication skills.
• •Ability to manage multiple priorities and deliver results in a fast-paced environment.
• •CRCM certification is a plus

Customer Accountabilities:

• •Executes and manages testing activities in accordance with established standards and strategic direction to achieve completion within target timelines
• •Executes follow-up on findings raised from testing engagements in accordance with established standards
• •Conducts skilled analytical research and analysis as part of testing engagement and initiatives
• •Understands risk identification, risk analysis, and risk mitigation according to regulatory requirements and best business practices
• •Develops strong relationships and works collaboratively with key partners
• •Oversees/leads the testing engagement, including communications and the reporting processes
• •Provides subject matter expertise and/or input to projects/initiatives as a representative for area of specialization
• •Proactively identifies matters which require additional attention, further escalation, or review, and liaises with the appropriate staff to resolve

Shareholder Accountabilities:

• •Prioritizes and manages workload to deliver quality results and meet testing timelines
• •Contributes to the review of internal processes and activities and assists in identifying potential opportunities to improve operational efficiencies for area of responsibility
• •Adheres to internal policies/procedures, enterprise frameworks and methodologies and applicable regulatory guidelines
• •Clearly and concisely documents research as required to understand requirements specific to an engagement
• •Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high risk transactions/activities as necessary
• •Applies subject matter expertise in the discipline, provides guidance, assistance, and direction to others
• •Actively manages relationships within and across various business lines, corporate and/or control functions, and drives alignment with enterprise and/or regulatory requirements
• •Assesses/identifies key issues and escalates to appropriate levels and relevant stakeholders where required
• •Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance f