Compliance Business Oversight Manager - Consumer Banking

Compliance Business Oversight Manager Consumer Banking

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 for the Retail Branch, Contact Center, and Marketing distribution channels. The successful candidate should have expertise in consumer banking laws and regulations and experience supporting distribution channels, including, specifically Retail Branch, Contact Center, and Marketing, managing regulatory compliance risk as it impacts their activities. Familiarity with Retail Branch, Contact Center, and Marketing processes is required, as well as the regulatory risks most challenging to managing in those environments (such as sales-practices and communications-related requirements). The position requires strong regulatory knowledge, consumer distribution channel operations, issue and change management expertise, and the ability to partner with business leaders to identify risks, remediate gaps, and strengthen compliance controls.

Key Responsibilities:

• Serve as primary compliance support for the Retail Branch, Contact Center, and Marketing distribution channels, 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 Desired Skills & Experience below as you consider this opportunity.

Job Profile Summary

The 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 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
• 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

Desired Skills and Experience:

• Strong subject matter expertise and knowledge of consumer banking regulations, specifically as they impact delivery channels (i.e., Digital Banking (online and mobile), Marketing, Retail/Branches, Contact Centers), including Reg Z, E Sign, Reg B, Reg E, FCRA, UDAAP, FDIC 328, 1033 Personal Financial Data Rights, RNDIP etc.
• Experience in compliance monitoring, testing, and 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 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.

Physical Requirements:

• 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.