Home Mortgage Disclosure Act (HMDA) Data Integrity Testing Specialist – Fair Banking Compliance

TD • Portland, ME

1d • $95,264 - $155,376 • 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 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 TD Bank Fair Banking & Compliance Analytics Team is seeking a skilled professional to perform complex data integrity reviews within deadlines to ensure the accuracy and completeness of Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR) data prior to annual filing to the Consumer Financial Protection Bureau (CFPB). You will leverage your HMDA background to produce accurate reporting of findings identified in data integrity reviews which are provided to Senior Management across Business and Compliance Teams. Additionally, you will provide HMDA compliance support to Residential Lending, Small Business & Commercial, and/or Capital Market business lines and partner with the Compliance Unit Advisory teams to present objective guidance to the business lines promoting strong Compliance controls and processes that are in effect to mitigate inherent associated risk. Additional responsibilities will include assisting in response to periodic examinations by regulatory agencies and internal audit, ad-hoc requests related to the HMDA LAR, business specific inquiries and reviewing policies, procedures, and other business line documents to ensure compliance with regulatory requirements. The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations.

Requirements

• Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science)
• Graduate's degree preferred with either progressive project work experience, or;
• 5+ year of relevant experience; higher degree education and research tenure can be counted
• Solid knowledge of Residential Lending and/or Small Business/Commercial Lending compliance advisory standards, procedures, laws, rules, regulations and controls
• Solid knowledge of broader enterprise lending platforms (i.e. Encompass, nCino, Fidelity) and data sources with ability to interpret data
• Skill in using analytical software tools, data analysis methods and reporting techniques
• Ability to pay high attention to details and deliver under tight timeframes with multiple key stakeholders with different needs/requirements
• Strong written and verbal communication skills including a demonstrated ability to clearly provide reports that identify and quantify risk
• Ability to work independently and prioritize and manage own workload to deliver quality results and meet assigned timelines

Nice To Haves

• Advanced knowledge of HMDA reporting requirements strongly preferred
• Advanced knowledge of Wiz SaaS strongly preferred.
• Advanced knowledge of Encompass strongly preferred.
• Proficiency in Microsoft Office applications. Advanced Excel strongly preferred.

Responsibilities

• Conduct complex data integrity reviews within deadlines to ensure the accuracy and completeness of Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR) data prior to annual filing to the Consumer Financial Protection Bureau (CFPB).
• Leverage your HMDA background to produce accurate reporting of findings identified in data integrity reviews which are provided to Senior Management across Business and Compliance Teams.
• Provide HMDA compliance support to Residential Lending, Small Business & Commercial, and/or Capital Market business lines and partner with the Compliance Unit Advisory teams to present objective guidance to the business lines promoting strong Compliance controls and processes that are in effect to mitigate inherent associated risk.
• Assist in response to periodic examinations by regulatory agencies and internal audit, ad-hoc requests related to the HMDA LAR, business specific inquiries and reviewing policies, procedures, and other business line documents to ensure compliance with regulatory requirements.
• Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs
• Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience
• Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business
• Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate
• Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations
• Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution
• Provides day-to-day support and delivery of analytics
• Represents functional area as a business insights & analytics specialized expert
• Synthesizes complex and vast amount of information and translates into actionable insights and strategy
• Builds business requirements and facilitates project execution to develop insights
• Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value
• Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers
• Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly
• Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand
• Provides business explanation for anomalies/outliers identified during analysis
• Works with business functions and analytics teams to transition business requirements to analytics requirements
• Trains business users on how to integrate analytics into decisions
• Leverages knowledge of data capabilities to build and deliver insights
• Develops analysis to corroborate initial proof of concept
• Executes on data requests accurately and within a timely manner
• Identifies and investigates data/analytics related issues
• Ensures business operations are in compliance with applicable internal and external requirements (e.g., financial controls, segregation of duties, transaction approvals and physical control of assets)
• Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

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