Compliance Business Oversight Manager (US)

Compliance Business Oversight Manager Commercial Banking

Work Location : Mount Laurel, New Jersey, United States of America Hours : 40 Pay Details : $86,840 - $139,360 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 : 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 Commercial Banking will provide compliance oversight, guidance, and challenge across commercial banking. This role will primarily focus on compliance matters impacting commercial banking and payments, ensuring business practices align with applicable federal and state regulatory requirements. The position requires strong regulatory knowledge, issue and change management expertise, and the ability to partner with business leaders to identify risks, remediate gaps, and strengthen compliance controls.

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 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

Desired Skills and Experience : Strong knowledge of commercial banking and payments regulations, including Reg B, Reg E, FCRA, CRA, UDAAP, GLBA; familiarity with securities regulations a plus. 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. Relationship-building skills with the ability to work across multiple business lines. Proactive, results-oriented, and adaptable "go-getter" mindset. Demonstrated leadership abilities with interest in growing into a senior or leadership role. CRCM preferred

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 any 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

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 world's leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day, we deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing and so will you.

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