Head of Retail Internal Quality Controls (US)

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 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:

Personal & Commercial Banking 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.

Depth & Scope:

• •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

Education & Experience:

• •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, enterprise risk, and business leaders to drive sustainable control outcomes
• •Strong understanding of operational risk principles, issue management, root cause analysis, governance, and remediation practices
• •Experience establishing key risk indicators, control testing methodologies, and control performance reporting
• •Demonstrated ability to influence executive stakeholders, provide effective challenge, and drive accountability without direct authority
• •Strong analytical, problem-solving, communication, and executive presentation skills
• •Proficiency with risk, controls, governance, and reporting tools used in financial services environments

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• •Domestic Travel – Occasional
• •International Travel – Never
• •Performing sedentary work – Continuous
• •Performing multiple tasks – Continuous
• •Operating standard office equipment - Continuous
• •Responding quickly to sounds – Occasional
• •Sitting – Continuous
• •Standing – Occasional
• •Walking – Occasional
• •Moving safely in confined spaces – Occasional
• •Lifting/Carrying (under 25 lbs.) – Occasional
• •Lifting/Carrying (over 25 lbs.) – Never
• •Squatting – Occasional
• •Bending – Occasional
• •Kneeling – Never
• •Crawling – Never
• •Climbing – Never
• •Reaching overhead – Never
• •Reaching forward – Occasional
• •Pushing – Never
• •Pulling – Never
• •Twisting – Never
• •Concentrating for long periods of time – Continuous
• •Applying common sense to deal with problems involving standardized situations – Continuous
• •Reading, writing and comprehending instructions – Continuous
• •Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, ca