Compliance Business Oversight Manager

TD • Jacksonville, FL

4d • $91,000 - $145,600 • Hybrid

About The Position

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 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 mindset—someone 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. The 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. "Need to be flexible and comfortable with change as the roles and responsibilities, processes and procedures around compliance oversight are undergoing a lot of change now and new leaders are being brought in that may mean even more change. The CU role is very diverse and coverage is broad so need to be able to be flexible, enjoy and thrive in taking on new tasks and being self-driven in learning about and adapting to change. Need to be the kind of person that goes out and looks for answers instead of waiting for them to come to you. Need to have soft skills that allow you build relationships across business units and other oversight functions across the bank in order to thrive. Must be comfortable with frequent daily interaction with business partners, confident in asking questions and providing credible challenge where appropriate. Good communication skills and ability to be able to explain complex requirements to business partners and leaders in a way that is straightforward and easy to understand." This role involves reviewing, monitoring and challenging processes to ensure adherence to consumer regulations, with a strong focus on mortgage originations and home equity products.

Requirements

• Undergraduate degree or equivalent work experience
• 7+ years of experience
• Strong analytical skills, attention to detail, and the ability to confidently challenge practices and provide sound regulatory advice are essential for success in this role.

Nice To Haves

• Experience with Home Equity products and with sourcing of applications including sales and marketing, specifically RESPA Section 8 compliance policies and practices (includes kickbacks, referral fees, and unearned fess)
• Experience/working knowledge in marketing and advertising – specifically FCRA (Fair Credit Reporting Act) and TILA (Truth In Lending Act) requirements and SAFE Act registration requirements for mortgage loan originators.
• Experience/working knowledge and understanding of larger compliance management system and framework beyond technical compliance.

Responsibilities

• Advising on regulatory matters, ensuring compliance with policies and standards, and interpreting key regulations such as RESPA, ECOA, HMDA, FCRA, UDAAP, Flood, E-Sign, SAFE Act, TILA and State laws applicable to residential secured lending.
• Collaborate closely with sales, underwriting, processing, and capital markets teams, providing input on processes, initiatives, marketing materials, and job aids to ensure regulatory compliance.
• Heavily engaged in issues management, regulatory change management, risk and control assessments, project support, and performing monitoring activities as assigned.

Benefits

• Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees