Head of Retail Internal Quality Controls (US)

Work Location:

Charlotte North Carolina United States of America

Hours:

40

Pay Details:

$200000 - $225000 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 candidates 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:

Personal & Commercial Banking

Job Description:

This role leads the Retail Distribution Internal Quality Controls function for the U.S. retail network establishing and overseeing the control environment across financial centers to ensure operations are conducted in a safe compliant efficient and well-controlled manner. Accountable for developing and executing the network internal controls strategy strengthening risk management practices reducing operational losses and fraud exposure and driving sustainable regulatory compliance. Partners closely with Retail Distribution Compliance Risk Management and Audit to identify assess monitor and remediate control gaps while fostering a strong culture of accountability and risk awareness across the branch network. Provides independent challenge governance and oversight to support the achievement of business objectives while protecting the Bank its clients and its reputation.

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
• Leads and oversees the internal controls framework across the retail center network reviewing financial center activity operates in a safe compliant efficient and well controlled manner protecting the bank and clients from risk
• Accountable for preventing operational losses reducing fraud risk strengthen regulatory compliance and drives a strong control culture in 1100/- locations
• Provides independent challenge and oversight to bank management while partnering across retail distribution compliance audit and risk partners
• Develops and implements the branch internal controls strategy aligned to enterprise risk appetite
• Establishes branch control standards policies and procedures
• Maintains branch control framework risk taxonomy and governance routines
• Escalates control matters and works to address the matters to effective resolution
• Oversees control effectiveness across all locations; reviewing and identifying risks and ensures they are remediated
• Identifies assesses monitors and mitigates risks in locations/monitoring for all areas of risk
• Ensures financial center adherence to regulations/policies/standards/procedures
• Owns reviewing all high risk transactions; eliminating fraud
• Primary owner of branch audit issues and remediation

Education & Experience:

• Undergraduate degree or equivalent work experience required
• Bachelors degree in Business Administration Finance Accounting Risk Management Economics or related field preferred
• Advanced degree (MBA Masters in Finance Risk Management or related discipline) preferred
• Professional certifications such as CRCM CAMS CISA CIA CRMA or other risk compliance audit or control-related designation are an asset
• 12 years of progressive experience in banking operational risk management internal controls compliance audit retail banking operations or related financial services disciplines
• 7 years of leadership experience managing teams and enterprise-scale control risk compliance or operational excellence programs
• Extensive knowledge of retail banking operations branch processes fraud prevention controls regulatory requirements and risk management frameworks
• Demonstrated experience designing implementing and governing internal control frameworks across geographically dispersed operations
• Proven success identifying and remediating control weaknesses audit findings regulatory issues and operational risks
• Experience partnering with internal audit compliance legal enterprise risk and business leaders to drive sustainable control outcomes
• Strong understanding of operational risk principles issue management root cause analysis governance and remediation practices
• Experience establishing key risk indicators control testing methodologies and control performance reporting
• Demonstrated ability to influence executive stakeholders provide effective challenge and drive accountability without direct authority
• Strong analytical problem-solving communication and executive presentation skills
• Proficiency with risk controls governance and reporting tools used in financial services environments

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.

Who We Are:

TD is one of the worlds 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 95000 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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 youre 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.

Were 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 youve got everything you need to succeed in your new role.

Interview Process
Well 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.

Required Experience:

Director