Compliance Business Oversight Manager: Consumer Deposit Products and Deposit Servicing

TD•Wilmington, DE

5d•Onsite

About The Position

The Compliance Business Oversight Manager: Consumer Deposit Products and Deposit Servicing will provide compliance oversight, guidance, and challenge across Deposit Product and/or Backoffice Operations. The position requires strong regulatory knowledge, issue and change management expertise, and the ability to partner with key stakeholders and business leaders to identify risks, remediate gaps, and strengthen compliance controls. The ideal candidate thrives in a fast‑paced environment and brings the ability to operate effectively in a dynamic, evolving landscape. Success in this role requires a balance of strategic foresight and hands‑on execution, strong verbal and written communication skills, and the ability to collaborate across Compliance, Risk, and Business partners. This role will be largely focused on compliance matters impacting Consumer Banking, ensuring business practices align with applicable federal and state regulatory requirements.

Requirements

Undergraduate degree or equivalent work experience
7+ years of experience

Nice To Haves

Strong Subject Matter Expertise and knowledge of consumer banking regulations, specifically as they impact Deposit Products and Backoffice Operations, including Reg E, Reg CC, Reg DD, Reg Z, FCRA, UDAAP, FDIC 370, etc.
Experience in compliance monitoring, testing, and/or 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.
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 assigned business lines, 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.