Compliance Business Oversight Manager (US)

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 Overview 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. Role Summary The Compliance Business Oversight Manager – Consumer Banking 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 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. 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 “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. 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 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 – 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 – 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 Benefits 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. Equal Opportunity Statement 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. #J-18808-Ljbffr TD