Compliance Risk Assessment Senior Associate

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$72,280 - $117,520 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 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.

Role Description:

• Supports the U.S. Compliance Risk Assessment lead with managing and facilitating the U.S. Compliance Risk Assessment.

• Supports the management of 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

• Supports the facilitation of the Compliance Risk Assessment and manages the assessment process, including ensuring timely and quality completion of the assessment through the lifecycle stages

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

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

• Support 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 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 job profile summary below. Please review Desired Skills and Experience below as you consider this opportunity.

Job Profile Summary:

The Senior Compliance Governance & Operations Analyst provides a range of research, analytical and/or operational process support within a defined area of the function. Supports implementation activities related to initiatives including the development of and maintaining enterprise Compliance programs. This role may interact with key stakeholders and third-party service providers to deliver Compliance programs that satisfy regulatory requirements.

Depth & Scope:

• Expected to exercise sound and expert independent professional judgment and discretion in interacting and communicating with staff and senior management of the Bank with respect to regulatory risk matters.

• Empowered to make prudent professional decisions in rendering advice and counsel to business lines or assigned areas on compliance matters and regulatory risks which may impact performance of the business and overall enterprise strategies and objectives.

• Provides responses to regulatory agencies and Internal Audit. Interacts directly and independently with auditors and regulatory agencies and provides approval for document submissions to these entities, based on professional judgment regarding responsiveness and appropriateness.

• Acts as the primary subject matter expert for certain Compliance Program elements and is expected to make decisions regarding compliance with these Program requirements and to escalate instances of non-compliance.

• Works independently as the senior analyst/subject matter expert and may coach and educate others

• Oversees and/or independently performs tasks from end to end

• Applies expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance and provides training to other team members based on expert knowledge

• Executes on more complex and/or non-standard requests

• Researches and investigates a range of operational/reporting/process issues and provides recommendations to senior management across the enterprise (including Global partners)

• Recommends and implements solutions within own area of responsibility that impact the strategies and objectives of the Department

• Coordinates/integrates work with other areas as needed

• Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise

• Requires advanced technical/business/function knowledge for discipline supported

• High level of complexity in operational/reporting/process and/or analysis function requiring medium to longer term focus

• Represents the group as the lead or subject matter expert on projects/initiatives and/or at meetings across the organization

Education & Experience:

• Undergraduate degree or equivalent work experience

• 5+ years of experience

Desired Skills & Experience

• Minimum of 5 years of prior regulatory, compliance, and/or risk management experience

• Familiarity with conducting a Compliance Risk Assessment preferred

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

• Familiarity with 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 work collaboratively with cross-functional partners across the three lines of defense

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

Customer Accountabilities:

• Provides Compliance research, evaluation, operational, reporting and/or analytical support in oversight and control function to internal (Compliance) partners, in a timely manner

• Coordinates requests to and from, business (Compliance) partners and coordinates tracking and reporting of Compliance function initiatives and programs

• Prepares and delivers summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders

• Recommends responses to enterprise Compliance Program questions and immediately escalates any sensitive issues according to departmental procedures

• Analyzes data and draw conclusions to meet program health reporting requirements

• Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify Compliance - related gaps, issues and enhancements

• Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate

Shareholder Accountabilities:

• Contributes to various activities and processes as assigned

• Adheres to enterprise frameworks or methodologies that relate to activities for own business area

• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate

• Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area

• Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high risk activities as necessary

• Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience

• Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices

• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exists

• Acquires and applies expertise in the discipline, provides guidance, assistance and direction to others

• Identifies, recommends and effectively executes standard practices applicable to the discipline

• Adheres to internal policies/procedures and applicable regulatory guidelines

• 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

• May lead work streams by acting as a project lead/subject matter expert for small scale projects/initiatives in accordance with project management methodologies

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 ensures timely communication of issues/ points of interest

• Supports the team by continuously enhancing knowledge/expertise in own area and participate in knowledge transfer within the team and business unit

• 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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate

• 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 - 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.