Compliance Risk Assessment Lead

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:

Department Overview:

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 Ideal Candidate

The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.

Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

The ideal candidate should have sufficient prior experience to be immediately effective in this role and be in a position to jump in and begin delivering against our commitments, e.g. requires little to no training (outside of institutional knowledge on TD). This person needs to be willing to roll up the sleeves and be adaptable enough to jump in where we have the most pressing needs. This person should have enough professional maturity and awareness for how to appropriately prioritize an overflowing book of work against aggressive timelines, and have sound judgment for how and when to escalate up the management chain of command. The ideal candidate should have advanced proficiency in desktop tools including, but not limited to, Microsoft Office Suite.

Responsibilities will include the following:

• Serve as Compliance lead for managing and facilitating the U.S. Compliance Risk Assessment, reporting to the U.S. Head of Compliance Programs

• Manage the Compliance Risk Assessment framework to ensure the applicable regulatory compliance risks and internal controls are identified and assessed to determine the risk profile for in scope laws/regulations as they pertain to respective businesses and across legal entities

• Assist the Head of Compliance programs with facilitating the Compliance Risk Assessment and manage the assessment process, including ensuring timely and quality completion of the assessment through the lifecycle stages

• Provide subject matter expertise and leadership to Oversight Functions and other assessment participants and serve as single point of contact for stakeholders on assessment methodology, guidance, and applicable leading practices

• Where necessary, support Oversight Functions and their covered businesses with defining and logging regulatory issues and/or remedial action plans

• Support the review and interpretation of aggregated results and identify methodology deviations, quality deficiencies and potential points of challenge

• Drive program reporting analytics and insights in collaboration with the Compliance Data Analytics and Insights team

• Assist with continuous enhancements to the target state design and methodology of the Compliance Risk Assessment framework

• Possesses strong functional knowledge of U.S. banking regulations (e.g., Federal Reserve) as well as banking products and services. Additionally, a risk management / internal control mindset to apply and assess risk identification / mitigation is essential.

The above details are specific to the role which is outlined in the general summary below. Please review Desired Skills and Experience below as you consider this opportunity.

Job Summary:

The Senior Manager, Compliance Governance & Operations leads, develops and oversees a dynamic team of Compliance CGO professionals who conduct support, facilitation and coordination for the management of Compliance. They may also provide specialized project support or services within Compliance.

Depth & Scope:

• Provides people management leadership by hiring the best 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 function for an area of significant risk, complexity or scope

• Strategic partner to the leadership team on the management of the assigned portfolio and related financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management/enterprise areas

• Facilitates key strategic discussions and provides thought leadership to executive audience (output may include strategic roadmap and/or deliverables/frameworks/short to long term goals, etc.)

• Sets operational team direction and collaborates with others to execute on common goals

• Focuses on longer-range planning for functional area

Education & Experience:

• Undergraduate degree or equivalent work experience

• 10+ years of experience

Desired Skills & Experience:

• Minimum of 10 years of prior regulatory, compliance, and/or risk management experience

• Experience conducting a Compliance Risk Assessment

• Experience working with top tier banks in large scale, cross-functional regulatory remediation

• Experience with developing and implementing regulatory compliance risk management frameworks and programs, including Compliance Risk Assessment and regulatory controls management

• Experience with regulatory Issue Management, Compliance Monitoring & Testing and governance of Compliance documentation preferred

• Strong knowledge of laws, rules, regulations, risks and taxonomies related to consumer and commercial banking, securities (broker-dealer), and wealth management businesses

• Excellent written, verbal and analytical skills

• Highly motivated, strong attention to detail, team oriented, organized

• Strong interpersonal and presentation skills with the ability to articulate complex problems and solutions through concise and clear messaging; ability to influence and lead at a senior level

• Ability to work collaboratively with cross functional partners across the three lines of defense

• Ability to navigate a complex organization

• Demonstrates advanced proficiency in desktop tools including, but not limited to, Microsoft Office Suite

Customer Accountabilities:

• Oversees a function of enterprise Compliance Program professionals providing oversight and control related advisory services to Compliance partners

• Provides strategic direction on a broad and diverse range of complex Compliance program activities

• Develops Compliance enterprise-wide frameworks, policies, standards, procedures in coordination with management in line with TD's Compliance Program

• Works with executive team, senior business management/partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory/compliance issues

• Meets with business (Compliance) partners and leaders to determine Compliance strategies and compliance culture

• Takes corrective action and recommends or implements changes to procedures, as required

• Lead role in managing and in responding to periodic exams/audits and various regulatory bodies related to CGO accountabilities

• Participates in/leads enterprise-wide or Compliance focused special projects

• Oversees research, development and implementation of new processes, technologies or operating models

• Works autonomously as the leader of the team and assists with development of group policies and approval of procedures in coordination with leadership team and colleagues; and promotes and monitors staff adherence to approved internal Compliance policies, procedures, standards and guidelines, in addition to those federally mandated

• Primary escalation point for significant matters/exceptions

Shareholder Accountabilities:

• Leads the team to adhere to enterprise frameworks and methodologies related to overall business management activities

• Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues

• Works closely with executive management team to support the development of CGO group's business plan, ensuring the optimal use of resources and leverage TD's operating model to maximize efficiency, effectiveness and scale

• Works closely with key business leaders to develop CGO's and Compliance 's business plans, ensuring the optimal use of resources and leverages TD's operating model to maximize efficiency, effectiveness and scale

• Plans and executes on strategic activities, reviews and communicates results, and adjusts tactics accordingly

• May manage overall budget, revenue and expenditures, meets business objectives while increasing efficiency and effectiveness

• Provides mentorship to direct reports; and assumes responsibility to minimize operational and regulatory risk by complying with Bank Code of Conduct

• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts

• Maintains knowledge of end-to-end processes and internal/external partners and regulatory requirements

• Provides inputs into the development, implementation, and monitoring of operating plans and expense budgets for the area, consistent with TD Bank strategies and objectives

• Contributes to the development of the business plan and operationalizes the plan and delivers on assigned service or functionality

• Proactively identifies key business opportunities, researches and recommends enhancements/modifications, develops strategies to achieve recommendations

• Understands TDBG issues/parameters and guides others to protect the reputation and interest of TDBG by adhering to operating standards and processes related to Compliance

• Coaches employees to build and enhance their Compliance knowledge and expertise; and assumes responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct

Employee/Team Accountabilities:

• Responsible for management of the overall team providing both leadership and guidance

• Contributes to the development of Compliance functional strategic priorities within their operational area or field of specialty

• Develops annual and/or long term plans for own area and influences plans well beyond area managed

• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit

• Grows team expertise to align with Compliance/enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered

• Creates and fosters a cohesive team, and promotes a positive work environment. Leads and follows up on action plans to improve employee experience

• Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner

• Manages employees in compliance with all human resources policies, procedures and guidelines of conduct

• Shares knowledge, information, skills, and subject matter expertise among the team and ensures the timely communication of issues and encourages good working relationships with other functions and teams

• Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes

• Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives

• Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourage the team to achieve common goals and objectives

• Acts as a brand ambassador for 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 - Occasional

• International Travel - Never

• Performing sedentary work - Continuous

• Performing multiple tasks - Continuous

• Operating standard office equipment - Continuous

• Responding quickly to sounds - Occasional

• Sitting - Continuous

• Standing - Occasional

• Walking - Occasional

• Moving safely in confined spaces - Occasional

• Lifting/Carrying (under 25 lbs.) - Occasional

• Lifting/Carrying (over 25 lbs.) - Never

• Squatting - Occasional

• Bending - Occasional

• Kneeling - Never

• Crawling - Never

• Climbing - Never

• Reaching overhead - Never

• Reaching forward - Occasional

• Pushing - Never

• Pulling - Never

• Twisting - Never

• Concentrating for long periods of time - Continuous

• Applying common sense to deal with problems involving standardized situations - Continuous

• Reading, writing and comprehending instructions - Continuous

• Adding, subtracting, multiplying and dividing - 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.

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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:

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 Development

If 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 & Onboarding

We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process

We'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.

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 View email address on click.appcast.io . 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.