Sr Mgr Compliance Consulting

Sr Manager, Compliance Consulting

Working at Target means helping all families discover the joy of everyday life. We bring that vision to life through our values and culture.

A role in Financial Products & Services (FPS) means joining a high-impact team that designs and manages Target's financial offeringslike Target Circle Card, Gift Cards, and Paymentsto deliver intuitive, rewarding, and trusted experiences. You'll drive transformation through innovation, digital engagement, and strong cross-functional collaboration, directly influencing enterprise strategy and Guest loyalty. From shaping strategy to managing P&Ls, your work helps position Target as a destination for simple, smart, and accessible financial solutions.

As a Sr Manager, Compliance Consulting, you will be responsible for providing regulatory guidance to all FPS business areas concerning federal, state and local laws pertaining to Target CircleTM Card financial products and other financial offerings. This includes, but is not limited to, Reg Z, UDAAP, Reg B, FDCPA and state debt collection laws, safety and soundness principles, FCRA, etc. You will build a strong understanding of Target's financial products' processes and that, coupled with your knowledge of consumer banking regulations, industry standards and exceptional critical thinking skills, will assist you in providing strong advice to your partners. You will use your excellent partnership and communication skills to provide feedback and guidance related to new financial product initiatives, compliance monitoring, control building and remediations, when necessary. You will help to create a compliance program that meets the expectations of Target's issuing bank and federal regulators while minimizing litigation and reputation risk for Target and helping to achieve Target's objectives. You will provide your expertise for regulatory audits and exams and be a key partner to Target's bank partner. In your work, you will keep Target leaders informed on significant matters arising within the regulatory space and act quickly to drive risk mitigation.

Core responsibilities of this job are described within this job description. Job duties may change at any time due to the business needs.

About you:

• Four Year Degree or equivalent experience
• Minimum of 6 years of experience in regulatory compliance
• Exceptional critical thinking, partnership, and communication skills
• Ability to work independently and effectively drive outcomes on many complex projects at once
• Preference for experience in consumer banking regulations (such as Reg Z, UDAAP, Reg B, FDCPA and state debt collection laws, safety and soundness principles, FCRA, etc.)
• JD preferred

This position will operate as a Hybrid/Flex for your day work arrangement based on Target's needs. A Hybrid/Flex for your day work arrangement means the team member's core role will need to be performed both onsite at the Target HQ MN location the role is assigned to and virtually, depending upon what your role, team and tasks require for that day. Work duties cannot be performed outside of the country of the primary work location, unless otherwise prescribed by Target.

Benefits Eligibility

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Americans with Disabilities Act (ADA)

In compliance with state and federal laws, Target will make reasonable accommodations for applicants with disabilities. If a reasonable accommodation is needed to participate in the job application or interview process, please reach out to candidate.accommodations@HRHelp.Target.com.