Compliance Business Oversight Manager: Consumer ...

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $91,000 - $145,600 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 u2013 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 u2013 it's about creating a culture of compliance that will cascade throughout the organization. The Compliance Business Oversight Manager: Consumer Deposit Products and Deposit Servicing 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 fastu2011paced environment and brings the ability to operate effectively in a dynamic, evolving landscape. Success in this role requires a balance of strategic foresight and handsu2011on 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 Summary The Compliance Business Oversight Manager: Consumer Deposit Products, Fraud Operations, and Deposit Servicing 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 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 + 7+ years of experience Preferred 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 u201cgo-getteru201d mindset. + CRCM preferred + It 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 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 Customer Accountabilities: + Proactively advises the business of new and changed Compliance regulatory and/or policy changes + Formulates 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 issues + Contributes to the development and implementation of Compliance programs + Guides partner through the development, implementation, oversight and management of effective Compliance Programs + Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance + Represents Compliance on internal or external committees relating to designated business activities as required + Delivers relevant subject matter expertise and Compliance advice to business management + Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices + Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis + Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate Shareholder Accountabilities: + Actively assists in developing Compliance Team procedures + 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 + Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate + May provide review and content in the development of annual awareness training + Manages the risk assessment process for assigned businesses + Protects the interests of the organization, our customers and our communities u2013 identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues + Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience + Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite 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 and leveraging best practices + Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel u2013 Occasional + International Travel u2013 Never + Performing sedentary work u2013 Continuous + Performing multiple tasks u2013 Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds u2013 Occasional + Sitting u2013 Continuous + Standing u2013 Occasional + Walking u2013 Occasional + Moving safely in confined spaces u2013 Occasional + Lifting/Carrying (under 25 lbs.) u2013 Occasional + Lifting/Carrying (over 25 lbs.) u2013 Never + Squatting u2013 Occasional + Bending u2013 Occasional + Kneeling u2013 Never + Crawling u2013 Never + Climbing u2013 Never + Reaching overhead u2013 Never + Reaching forward u2013 Occasional + Pushing u2013 Never + Pulling u2013 Never + Twisting u2013 Never + Concentrating for long periods of time u2013 Continuous + Applying common sense to deal with problems involving standardized situations u2013 Continuous + Reading, writing and comprehending instructions u2013 Continuous + Adding, subtracting, multiplying and dividing u2013 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. #LI_AMCBCorporate 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, career development, and reward and recognition. Learn more ( Additional Information: Weu2019re delighted that youu2019re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, weu2019re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If youu2019re interested in a specific career path or are looking to build certain skills, we want to help you succeed. Youu2019ll 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 youu2019re 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 & Onboarding We will provide training and onboarding sessions to ensure that youu2019ve got everything you need to succeed in your new role. Interview Process Weu2019ll 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. Accommodation TD 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 . 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.

Created: 2026-05-06