Head of Retail Internal Quality Controls (US)

TD•Mount Laurel, NJ

9d•$200,000 - $225,000•Onsite

About The Position

This role leads the Retail Distribution Internal Quality Controls function for the U.S. retail network, establishing and overseeing the control environment across financial centers to ensure operations are conducted in a safe, compliant, efficient, and well-controlled manner. Accountable for developing and executing the network internal controls strategy, strengthening risk management practices, reducing operational losses and fraud exposure, and driving sustainable regulatory compliance. Partners closely with Retail Distribution, Compliance, Risk Management, and Audit to identify, assess, monitor, and remediate control gaps while fostering a strong culture of accountability and risk awareness across the branch network. Provides independent challenge, governance, and oversight to support the achievement of business objectives while protecting the Bank, its clients, and its reputation.

Requirements

Undergraduate degree or equivalent work experience required
12+ years of progressive experience in banking, operational risk management, internal controls, compliance, audit, retail banking operations, or related financial services disciplines
7+ years of leadership experience managing teams and enterprise-scale control, risk, compliance, or operational excellence programs
Extensive knowledge of retail banking operations, branch processes, fraud prevention controls, regulatory requirements, and risk management frameworks
Demonstrated experience designing, implementing, and governing internal control frameworks across geographically dispersed operations
Proven success identifying and remediating control weaknesses, audit findings, regulatory issues, and operational risks
Experience partnering with internal audit, compliance, legal, enterprise risk, and business leaders to drive sustainable control outcomes
Strong understanding of operational risk principles, issue management, root cause analysis, governance, and remediation practices
Experience establishing key risk indicators, control testing methodologies, and control performance reporting
Demonstrated ability to influence executive stakeholders, provide effective challenge, and drive accountability without direct authority
Strong analytical, problem-solving, communication, and executive presentation skills
Proficiency with risk, controls, governance, and reporting tools used in financial services environments

Nice To Haves

Bachelor's degree in Business Administration, Finance, Accounting, Risk Management, Economics, or related field preferred
Advanced degree (MBA, Master's in Finance, Risk Management, or related discipline) preferred
Professional certifications such as CRCM, CAMS, CISA, CIA, CRMA, or other risk, compliance, audit, or control-related designation are an asset

Responsibilities

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
Leads and oversees the internal controls framework across the retail center network, reviewing financial center activity operates in a safe, compliant, efficient and well controlled manner, protecting the bank and clients from risk
Accountable for preventing operational losses, reducing fraud risk, strengthen regulatory compliance and drives a strong control culture in 1100+/- locations
Provides independent challenge and oversight to bank management while partnering across retail distribution, compliance, audit and risk partners
Develops and implements the branch internal controls strategy aligned to enterprise risk appetite
Establishes branch control standards, policies and procedures
Maintains branch control framework, risk taxonomy, and governance routines
Escalates control matters and works to address the matters to effective resolution
Oversees control effectiveness across all locations; reviewing and identifying risks and ensures they are remediated
Identifies, assesses, monitors and mitigates risks in locations/monitoring for all areas of risk
Ensures financial center adherence to regulations/policies/standards/procedures
Owns reviewing all high risk transactions; eliminating fraud
Primary owner of branch audit issues and remediation