Senior Compliance Business Oversight Manager (US)

Job Opportunity At TD Bank US Compliance

Work Location : Charlotte, North Carolina, 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 Ideal Candidate The ideal candidate will thrive in a fast-paced, start-up-like 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.

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.

Job Description Reporting to the Head of Compliance, Regulatory Inventory and Regulatory Change, the Senior Manager is responsible for the governance and oversight of the Global Regulatory Inventory and Regulatory Change Program, including the supporting technology and processes. The incumbent will work with internal partners, including Oversight Functions (designated Regulatory Compliance Management (RCM) accountability for areas of laws, rules, and regulations (LRRs)), Risk Owners (own and operate controls to mitigate LRR risk), and Technology, and with external partners at a third-party regulatory content provider. The main focus of the role will be to serve as the Global Regulatory Inventory and Regulatory Change team's lead representative responsible for integrating the third-party regulatory content provider into daily compliance and risk management activities, leveraging the third-party's regulatory intelligence to strengthen compliance oversight of applicable laws, rules, and regulations, streamline regulatory change management, and embed regulatory insights into business-as-usual processes at TD.

Department Overview The Global Compliance Department is responsible for overseeing regulatory compliance across TDBG in accordance with the Global Compliance Department Mandate, Framework and Standards. This includes independently assessing the adequacy, adherence and effectiveness of regulatory compliance management programs and controls in the business. The department also delivers objective guidance and independent challenge to the business, proactively managing regulatory change and providing trusted and reliable reporting, advice and opinion to senior leadership and the Board on the state of regulatory compliance risks, controls, and outcomes. This is an exciting opportunity for individuals with expertise in the field of compliance, governance, risk, and controls. Specific accountabilities include the following :

• Act as the central liaison between TD and the third-party provider, ensuring seamless integration of regulatory content into compliance, risk, and governance routines.
• Develop workflows and processes to operationalize outputs from the third-party provider, ensuring regulatory intelligence is embedded into daily regulatory change management and regulatory inventory maintenance activities, enabling accurate risk mitigation, control development, monitoring routines, and risk assessments.
• Partner with Regulatory Change Leads and other Risk partners to review, triage, and distribute regulatory updates.
• Ensure regulatory changes are mapped to impacted businesses for appropriate applicability and impact assessments.
• Serve as the primary escalation point for third-party provider issues, updates, and enhancements.
• Provide training and guidance to stakeholders on how to use and implement third-party regulatory data within TD platforms and applications.
• Maintain reporting on third-party provider usage, adoption, and impact on reducing manual horizon scanning and research efforts.
• Identify opportunities to optimize automation and efficiency through deeper integration of the third-party provider into TD's internal processes, applications, and compliance data.
• Establish a strong working relationship with TD Technology team and third-party data provider to collaborate on activities for regulatory change feeds.
• Develop and communicate enterprise governance and oversight related to TD's use of content from the third-party provider.
• Perform user acceptance testing of enhancements to TD's internal applications and third-party provider tool.
• Support testing engagements from Internal Audit, Compliance Quality Assurance, and others.

The above details are specific to the role which is outlined in the general description 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.

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 University degree, Law degree (JD or LLB) preferred Relevant professional designations and / or certifications as required 8+ years relevant experience

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