Compliance Business Oversight Manager (US) - Audit & Exam Management

Compliance Business Oversight Manager

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 : 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 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 mindsetsomeone 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. This position is on the Program Risk Management & Reporting Team within the US Fair Banking Compliance Team. We are seeking an individual to manage fair banking-related regulatory exams and internal audits. This individual will serve as a primary liaison between Fair Banking Compliance and other first and second line of defense teams to ensure timely and accurate responses. The ideal candidate will be a strong communicator, skilled project manager, and subject matter expert. This role is critical in ensuring that the Bank maintains compliance with fair banking laws. Job Description 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 & Experience : Familiarity with fair banking rules and regulations (Fair Housing Act, Equal Credit Opportunity Act, and UDAAP) CRCM and / or JD Experience managing regulatory exams or audits Strong organizational, analytical, and communication skills Ability to work independently and manage multiple priorities 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 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 plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex