Senior Compliance Business Oversight Analyst (US)

Work Location:

Charlotte, North Carolina, 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 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:

Additional 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), Servicemembers 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 projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
• •Contact for business management, external/internal auditors, dealing with non-routine information
• •Recommends and implements solutions within own area of responsibility
• •May need to coordinate/integrate work with other areas as needed
• •Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience:

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

Desired Skills and Experience:

• •Knowledge of consumer protection laws, regulations, and related regulatory requirements.
• •Strong verbal and written communication skills, including experience preparing reports, presentations, and other compliance-related materials.
• •Proficiency in Microsoft PowerPoint and Excel.
• •Experience supporting compliance-related projects and collaborating with cross-functional teams.
• •Strong analytical and problem-solving skills, with the ability to identify issues, perform research, and provide recommendations.
• •Ability to exercise sound judgment and effectively communicate compliance risks and concerns.
• •Third-party/vendor oversight experience preferred.
• •CRCM certification or progress toward certification is a plus.

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, mitig