Compliance Business Oversight Manager - Consumer Banking

TD Bank•Charlotte, NC

1d•Onsite

About The Position

The Compliance Business Oversight Manager – Consumer Banking will provide compliance oversight, guidance, and challenge for the Retail Branch, Contact Center, and Marketing distribution channels. The successful candidate should have expertise in consumer banking laws and regulations and experience supporting distribution channels, including, specifically Retail Branch, Contact Center, and Marketing, managing regulatory compliance risk as it impacts their activities. Familiarity with Retail Branch, Contact Center, and Marketing processes is required, as well as the regulatory risks most challenging to managing in those environments (such as sales-practices and communications-related requirements). The position requires strong regulatory knowledge, consumer distribution channel operations, issue and change management expertise, and the ability to partner with business leaders to identify risks, remediate gaps, and strengthen compliance controls.

Requirements

Undergraduate degree or equivalent work experience
7+ years of experience
Strong subject matter expertise and knowledge of consumer banking regulations, specifically as they impact delivery channels (i.e., Digital Banking (online and mobile), Marketing, Retail/Branches, Contact Centers), including Reg Z, E Sign, Reg B, Reg E, FCRA, UDAAP, FDIC 328, 1033 Personal Financial Data Rights, RNDIP etc.
Experience in compliance monitoring, testing, and control mapping.
Hands-on experience in issue management and regulatory change management.
Strong written and verbal communication skills with the ability to consult, influence, and provide constructive challenge to the business lines.
Strong presentation skills and ability to present to executives.
Relationship-building skills with the ability to work across multiple business lines.
Proactive, results-oriented, and adaptable “go-getter” mindset.

Nice To Haves

CRCM preferred
Experience with Artificial Intelligence initiative implementations in a consumer banking setting (i.e., GenAI, Agentic AI) and providing review and challenge on the inherent regulatory risks (including AI state law), required mitigations, and conditions to launch.

Responsibilities

Serve as primary compliance support for the Retail Branch, Contact Center, and Marketing distribution channels, providing oversight and independent challenge on business activities and initiatives with regulatory impact.
Complete change risk assessments and related questionnaires for new business initiatives, performing review and challenge of inherent regulatory risks, mitigations and outlining conditions to launch; as well as presentation to executives for approval.
Serve as a compliance advisor to business partners through regular meetings and process reviews.
Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.
Lead regulatory change management efforts for new and updated state laws, ensuring effective business adoption and compliance.
Monitor regulatory complaints, business reports, and key risk indicators to identify trends, gaps, and potential compliance risks.
Review and validate first-line testing to ensure gaps are addressed and aligned with regulatory expectations.
Support control mapping to ensure regulatory requirements are linked to effective business controls.
Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure.