Senior Compliance Business Oversight Analyst (US)

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

0

Pay Details:

$72,280 - $108,160 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:

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 is 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 Sr. Analyst 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.

Key Responsibilities:

• •Serve as compliance support for assigned business lines, providing oversight and independent challenge on business activities and initiatives with regulatory impact.
• •Complete change risk assessments and related questionnaires for 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.
• •Serve as a compliance advisor to business partners through regular meetings and process reviews.
• •Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.
• •Support regulatory change management efforts 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 Senior Compliance Business Oversight Analyst provides objective guidance, support and advice to assigned portfolio, business or function to promote strong Compliance controls and processes are in effect to mitigate inherent associated risks. This role contributes to the development and implementation of Compliance programs related to all aspects of Compliance laws

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
• •5+ years of experience

Preferred Skills:

• •Knowledge/work experience of consumer banking regulations, specifically as they impact Deposit Products and Backoffice Operations, including Reg E, Reg CC, Reg DD, Reg Z, FCRA, UDAAP, FDIC 370, etc.
• •Experience in compliance monitoring, testing, and/or 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.
• •Ability to present information to key stakeholders.
• •Relationship-building skills with the ability to work across multiple business lines.
• •Proactive, results-oriented, and adaptable “go-getter” mindset.Customer Accountabilities:

• •Assists in the development and implementation of appropriate Compliance policies, processes and controls
• •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
• •Guides and complements the assigned portfolio in terms of financial, regulatory and risk management requirements
• •Interacts with control functions within the organization
• •Develops analysis and insights, prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products

Shareholder Accountabilities:

• •Updates business line policies and Compliance Team procedures
• •Analyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levels
• •Works directly with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations Keeps abreast of emerging issues, trends, and evolving regulatory requirements in the Compliance industry and assesses potential impacts
• •Coordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise
• •Supports in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs
• •Conducts enterprise wide annual risk assessment for all TD businesses
• •Supports the business lines with compliance/risk controls and periodically evaluates risk mitigation efforts to adjust as risk/department influences change
• •Protects the interests of the organization – identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues

Employee/Team Accountabilities:

• •Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and promotes timely communication of issues/points of interest
• •Provides thought leadership and or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business
• •Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• •Participates in personal performance management and development activities, including cross training within own team
• •Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• •Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences an