Compliance Business Oversight Manager (US)

Work Location:Mount Laurel, New Jersey, United States of AmericaHours:40Pay Details:$91,000 - $145,600 USDTD 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:ComplianceJob 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 Compliance Business Oversight Manager - Consumer Banking will provide compliance oversight, guidance, and challenge across Deposit Product and/or Backoffice Operations. The position requires strong regulatory knowledge, issue and change management expertise, and the ability to partner with key stakeholders and business leaders to identify risks, remediate gaps, and strengthen compliance controls.The ideal candidate thrives in a fast-paced environment and brings the ability to operate effectively in a dynamic, evolving landscape. Success in this role requires a balance of strategic foresight and hands-on execution, strong verbal and written communication skills, and the ability to collaborate across Compliance, Risk, and Business partners.This role will be largely focused on compliance matters impacting Consumer Banking, ensuring business practices align with applicable federal and state regulatory requirements.Key Responsibilities:Serve as primary 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.Lead 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 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.Job Profile SummaryThe Compliance Business Oversight Manager 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.Depth & Scope:Works independently and is accountable for managing a specialized Compliance function or areaProvides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operatesProvides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertiseProvides guidance and support to analysts on matters related to portfolio and specialtyTypically a subject matter expert for a key functional Compliance area and businessContact for business management, dealing with non-routine informationManages/assists with regulatory reviews including inquiries, audits, and examsIdentifies and leads problem resolution for project/program complex requirements related issues at all levelsEducation & Experience:Undergraduate degree or equivalent work experience7+ years of experiencePreferred Skills:Strong Subject Matter Expertise and knowledge 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.Strong presentation skills and ability to present to executives.Relationship-building skills with the ability to work across multiple business lines.Proactive, results-oriented, and adaptable "go-getter" mindset.CRCM preferredIt is a plus if the candidate has experience with Artificial Intelligence initiative implementations in a consumer banking setting (i.e., GenAI, Agentic AI) and providing review and challenge on the inherent regulatory risks (including AI state law), required mitigations, and conditions to launch.Depth & Scope:Works independently and is accountable for managing a specialized Compliance function or areaProvides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operatesProvides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertiseProvides guidance and support to analysts on matters related to portfolio and specialtyTypically a subject matter expert for a key functional Compliance area and businessContact for business management, dealing with non-routine informationManages/assists with regulatory reviews including inquiries, audits, and examsIdentifies and leads problem resolution for project/program complex requirements related issues at all levelsCustomer Accountabilities:Proactively advises the business of new and changed Compliance regulatory and/or policy changesFormulates relevant and meaningful insights from data analysis and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issuesContributes to the development and implementation of Compliance programsGuides partner through the development, implementation, oversight and management of effective Compliance ProgramsPrepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of ComplianceRepresents Compliance on internal or external committees relating to designated business activities as requiredDelivers relevant subject matter expertise and Compliance advice to business managementConducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practicesMaintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysisManages high risk initiatives and escalations; leads initiatives/guidance as appropriateShareholder Accountabilities:Actively assists in developing Compliance Team proceduresFacilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment FrameworkMonitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashionConsistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriateMay provide review and content in the development of annual awareness trainingManages the risk assessment process for assigned businessesProtects the interests of the organization, our customers and our communities - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issuesConducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audienceActively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirementsKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impactsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteEmployee/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 interestProvides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and businessKeeps current on emerging trends/developments and grows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationshipsContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand ambassador for your business area/function and the bank, both internally and/or externallyPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel - OccasionalInternational Travel - NeverPerforming sedentary work - ContinuousPerforming multiple tasks - ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds - OccasionalSitting - ContinuousStanding - OccasionalWalking - OccasionalMoving safely in confined spaces - OccasionalLifting/Carrying (under 25 lbs.) - OccasionalLifting/Carrying (over 25 lbs.) - NeverSquatting - OccasionalBending - OccasionalKneeling - NeverCrawling - NeverClimbing - NeverReaching overhead - NeverReaching forward - OccasionalPushing - NeverPulling - NeverTwisting - NeverConcentrating for long periods of time - ContinuousApplying common sense to deal with problems involving standardized situations - ContinuousReading, writing and comprehending instructions - ContinuousAdding, subtracting, multiplying and dividing - ContinuousThe 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.LI_AMCBCorporateWho 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 PackageOur 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, career development, and reward and recognition. Learn more (http://hrportal.ehr.com/tdtotalrewards)Additional Information:We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.Interview ProcessWe'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.