Compliance Business Oversight Manager - Consumer Banking

TD•Portland, ME

1d•$91,000 - $145,600•Onsite

About The Position

The Compliance Business Oversight Manager – Consumer Banking provides compliance oversight, advisory support, and effective challenge while managing compliance risk for Contact Centers. The role also manages the engagement model between Compliance and business lines supported by Contact Centers. It focuses on Consumer Banking, verifying that business practices align with applicable federal and state regulatory requirements, and partners with business leaders to identify risks, remediate gaps, and strengthen controls. The position independently manages a specialized Compliance function or area and provides comprehensive coverage for a significant business or function across applicable legal entities and jurisdictions. It serves as a subject matter expert and a contact for business management on non-routine matters, supports analysts, and manages or assists with regulatory inquiries, audits, and examinations. The role leads resolution of complex project and program issues and contributes to developing and maintaining Compliance programs in line with the Bank’s risk philosophy and strategic direction. The manager provides guidance on regulatory and policy changes, interprets complex business issues, develops insights and recommendations, and prepares documentation and presentations on Compliance matters. The position contributes to risk assessments, monitoring, testing, control mapping, regulatory change management, and effective oversight of high-risk initiatives and escalations. It works with business partners and internal and external stakeholders to maintain regulatory alignment and a culture of risk management and control. The role is based in Charlotte, North Carolina. The job posting lists 40 hours and a salary range of $91,000–$145,600 USD. Physical requirements include continuous sedentary work, multitasking, use of standard office equipment, sitting, concentration, and reading, writing, and comprehending instructions. Domestic travel is occasional; international travel is never required.

Requirements

Undergraduate degree or equivalent work experience.
At least 7 years of experience.
Strong subject matter expertise and knowledge of consumer banking regulations, including requirements affecting Contact Center employees.
Experience in Compliance monitoring, testing, and control mapping.
Hands-on experience in issue management and regulatory change management.
Strong written and verbal communication skills, including the ability to consult, influence, and provide constructive challenge to business lines.
Strong presentation skills and ability to present to executives.
Relationship-building skills and ability to work across multiple business lines.
Proactive, results-oriented, adaptable mindset.
Ability to work independently and manage a specialized Compliance function or area.
Ability to manage or assist with regulatory inquiries, audits, and examinations and resolve complex project or program issues.

Nice To Haves

Certified Regulatory Compliance Manager (CRCM) certification preferred.
Experience with Artificial Intelligence initiative implementations in a consumer banking setting, such as GenAI or Agentic AI, including reviewing and challenging inherent regulatory risks, including state AI laws, 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.
Maintain an engagement model for other impacted Compliance areas, including defining roles and responsibilities.
Serve as the regulatory Compliance subject matter expert for applicable laws, rules, and regulations, and provide advice and challenge.
Monitor business-line activity through issue management, monitoring, and testing; participate in forums, committees, and regular meetings as required.
Participate in change management for material business changes and new initiatives by reviewing and challenging inherent regulatory risks and mitigations, outlining launch conditions, and presenting matters to executives for approval.
Manage and track Compliance-related issues, ensuring timely resolution and regulatory alignment.
Lead Compliance regulatory change management for new and updated state laws and support effective business adoption.
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 link regulatory requirements to effective business controls.
Collaborate with cross-functional teams to strengthen the Compliance framework and reduce risk exposure.
Proactively advise the business about new and changed Compliance regulatory or policy requirements.
Analyze data and complex business issues, generate insights, identify opportunities, and recommend responses to business regulatory requirements and issues.
Contribute to the development and implementation of Compliance programs and guide partners in developing, implementing, overseeing, and managing effective programs.
Prepare summaries, presentations, briefing notes, and other documentation to report on Compliance status.
Represent Compliance on internal or external committees relating to designated business activities as required.
Provide Compliance subject matter expertise and advice to business management; conduct functional or enterprise-level analysis and recommend improvements to programs, policies, and practices.
Oversee management reporting and analysis through review and approval, and manage high-risk initiatives and escalations.
Assist in developing Compliance Team procedures and facilitate periodic Compliance risk and self-assessment activities for designated businesses.
Monitor the timely completion and communication of assessments, including monitoring and risk assessments; manage the risk assessment process for assigned businesses.
Maintain confidentiality, exercise discretion, and escalate issues where appropriate; contribute to annual awareness training content when applicable.
Conduct research and support the development and delivery of presentations and communications to management or broader audiences.
Manage relationships across business lines, corporate and control functions, and promote alignment with enterprise and regulatory requirements.
Keep abreast of emerging issues, trends, and regulatory requirements, assess their potential impacts, and maintain a culture of risk management and control.
Participate as a team member, communicate project progress and relevant information, support knowledge transfer and cross-training, and contribute to team development through mentorship.
Build productive relationships with internal and external stakeholders, support a fair and inclusive work environment, and act as a brand ambassador for the business area and the Bank.

Benefits

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
Reward and recognition
Variable compensation or incentive awards, potentially including cash and/or equity awards
Training and onboarding
Online learning platform
Mentoring programs