Senior Compliance Fraud Manager

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$115,440 - $186,160 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:

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 is not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization.

The Sr. Compliance Fraud Manager is responsible for leading the fraud compliance program, ensuring adherence to applicable federal and state regulations, internal policies, and industry standards related to fraud prevention, detection, monitoring, and remediation. This role manages a team of compliance professionals, and partners closely with Fraud Operations, Legal, and Business Line leadership to identify and mitigate fraud-related compliance risks.

The ideal candidate is a seasoned compliance professional with deep regulatory knowledge, strong leadership capabilities, and a proven track record of building and developing high-performing teams in a complex, highly regulated environment. CRCM and CAFP certifications highly desired.

Key Responsibilities:

Regulatory Compliance & Risk Management

Lead the implementation, and ongoing enhancement of the Fraud Compliance Program.

Serve as a subject matter expert on applicable fraud-related laws, regulations, regulatory guidance, and industry best practices.

Provide credible challenge and oversight of fraud risk management activities across the organization.

Monitor regulatory developments and assess impacts to policies, controls, procedures, and business practices.

Advise senior leadership on emerging fraud compliance risks, regulatory expectations, and mitigation strategies.

Ensure effective monitoring, testing, issue management, and remediation activities related to fraud compliance risks.

Support regulatory examinations, audits, and compliance reviews.

Leadership & Team Management

Lead, mentor, and develop a team of compliance professionals, fostering a culture of accountability, collaboration, and continuous improvement.

Build organizational capability through coaching, succession planning, talent development, and employee engagement.

Establish clear performance expectations and create opportunities for professional growth.

Promote a strong risk and compliance culture across the organization.

Strategic Partnership

Partner with Fraud Operations, Legal, and business leaders to ensure effective implementation of fraud controls and regulatory requirements.

Provide guidance on fraud prevention, detection, customer remediation, complaint management, and investigation processes.

Influence stakeholders and drive alignment on compliance priorities and risk mitigation strategies.

Participate in compliance risk assessments, trends, and make recommendations to senior management and governance committees.

Governance & Reporting

Develop and maintain meaningful management reporting.

Track and escalate compliance issues, control gaps, and emerging risks.

Ensure timely remediation of identified issues and validation of corrective actions.

Prepare presentations and executive-level reporting for leadership and governance forums.

***The above details are specific to the role which is outlined in the general description below. Please review the Preferred skills below as you consider this opportunity.

The Senior Manager, Compliance Business Oversight manages and leads a team of Compliance professionals and is responsible to develop and maintain all aspects of Compliance programs for TD businesses/functions and legal entities as assigned.

Depth & Scope:

Provides people management leadership by hiring the appropriate and qualified talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required

Oversees and leads a highly complex and diverse Compliance function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results

Maintains highly specialized expertise and in depth knowledge to manage Compliance programs for multiple, significant complex businesses, functional areas and/or global business lines

Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise

Manages and oversees the overall discipline and strategy for the Compliance area while aligning to the enterprise best practices

Position typically deals with senior/executive management

Key contact for business management, regulators and external/internal auditors, dealing with a broad range of issues including non-routine information

Focuses on longer-range planning for functional area (e.g. 12 months or greater)

May manage and prioritize multiple projects at a given time

Acts as highest point of team escalation for resolution and provides direction to resolve issues or escalate

Education & Experience:

Undergraduate degree or equivalent work experience

10+ years of experience

Preferred Skills:

Strong Compliance Fraud Management work experience in a large Financial institution or highly Regulated industry.

Professional Certifications: ABA CRCM certification, ABA Certified AML, and/or Fraud Professional CAFP.

E unauthorized fraudulent transactions, FCRA Reg V incorrectly reporting of fraudulent accounts to the credit bureaus, FCRA Identity theft red flags, Reg B Fraud models, or Z credit card fraud.

Strong knowledge of applicable banking and consumer protection regulations, including fraud-related regulatory expectations and guidance.

Strong people leadership experience with demonstrated success leading and developing teams.

Experience interacting with regulators, internal audit, and senior executives.

Demonstrated ability to assess compliance risk, challenge business practices, and influence strategic decisions.

Excellent communication, presentation, and relationship management skills.

Bachelor's degree in Business, Finance, Accounting, Risk Management, Criminal Justice, or a related field.

Advanced degree (MBA, JD, or related field) (a plus).

Experience within a large financial institution or highly regulated industry (a plus).

Strong analytical and data-driven decision-making capabilities (a plus).

Leadership Competencies

Proven team builder with a track record of attracting, developing, and retaining top talent.

Strategic thinker with strong business acumen and sound judgment.

Ability to lead through change and drive organizational transformation.

Skilled collaborator capable of building relationships across all levels of the organization.

Demonstrates integrity, accountability, and a strong commitm