Senior Compliance Business Oversight Manager

Senior Compliance Business Manager

Work Location : Mount Laurel, New Jersey, United States of America Hours : 40 Pay Details : $110,760 - $178,880 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 : At TD Bank US Compliance, we are on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you will 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 Senior Compliance Business Manager will serve as a key member of the second line of defense, providing risk-based oversight, guidance, and monitoring across multiple consumer lending and servicing business lines. This position plays a critical role in ensuring adherence to regulatory requirements such as the Fair Credit Reporting Act (FCRA / Reg V), including dispute handling and monitoring resolution of consent order obligations. The individual will lead and coordinate compliance-related initiatives, manage regulatory exams, and collaborate cross-functionally to support business partners. Strong communication and reporting capabilities, along with subject matter expertise in consumer lending regulations, are essential.

Job Profile Summary : The Senior 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 :

Recognized as top level expert within the company and requires significant in-depth and / or breadth of expertise in a complex field and knowledge of broader related areas

Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work

Integrates knowledge of the enterprise function's or business segment's overarching strategy in leading program design, policy formulation or operating standards within one or more areas of expertise

Anticipates emerging business trends and regulatory / risk issues as a basis for recommending large-scale product, technical, functional or operations improvements

Serves as a source of expert advice to senior management in field of specialty

Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties

Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field

Requires innovative thinking to develop new solutions

Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment

Works within general policies and industry guidelines

Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader organizational context

Provides leadership guidance, makes recommendations and collaborates with business to facilitate that solutions meet the business needs on a complex project or program

Identifies and leads problem resolution for project / program complex requirements related issues at all levels

Education & Experience :

Undergraduate degree or equivalent work experience

10+ years of experience

Desired Skills & Experience :

Strong understanding of consumer protection regulations including Reg Z, Reg X, FDPA and SCRA.

Credit reporting and disputes experience; Reg V / FCRA

Demonstrated knowledge and experience with mortgage servicing and auto lending originations or servicing

Excellent verbal and written communication skills, including executive-level reporting and presentation development.

Proficiency in Microsoft PowerPoint and basic Excel

Experience in compliance project work and cross-functional initiatives.

Independent thinker with sound judgment and the ability to challenge effectively.

CRCM a plus.

Customer Accountabilities :

Proactively advises the business of new and changed compliance regulatory and / or policy changes

Formulates relevant and meaningful data analysis, leveraging advanced modeling and analytics, 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 and overseeing implementation of business line policies and compliance team procedures

Oversees respective programs / policies / practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities

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

Partners with the governance & assurance function to develop annual awareness training

Conducts enterprise wide annual risk assessment for all TD businesses

Protects the interests of the organization 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