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

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 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, including Mortgage Servicing (performing only), the Fair Credit Reporting Act (FCRA) Center of Excellence (COE), Auto Servicing and Originations, and Unsecured Personal Lending. 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.

The above details are specific to the role which is outlined in the general job profile below.

Please review the desired skills and experience section below as you consider this opportunity.

Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.

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 :

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 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