Senior Auditor (US) - Compliance

TD Bank•Wilmington, DE

6d•Onsite

About The Position

The Senior Auditor is responsible to perform and document audit test steps for assigned audits and is generally focused on more critical areas of the audit. The Senior Auditor participates in some aspects of planning of audits and may lead less complex audits/projects. They independently assess control design and operating effectiveness during audits, and provides on the job training for staff auditors. The Senior Auditor – U.S. Compliance Audit is responsible for executing and leading audit engagements based on established audit plans in alignment with applicable policies and regulatory guidelines for TD Bank's Governance, Risk & Oversight Functions. The US Consumer Compliance team is primarily responsible for auditing US Consumer Compliance regulations (including but not limited to UDAAP, TILA, HMDA, RESPA, EFTA, etc.) and sufficiency of systems, processes, and oversight to support regulatory compliance. This role supports audit engagements through evaluating, documenting, and testing the design and operating effectiveness of internal controls under manager guidance. The Senior Auditor is responsible for execution of control testing, identification of findings, and delivery of high-quality audit workpapers and reporting. Depth & Scope: Experienced audit professional role providing guidance / assistance to function supported Requires sound audit or business conceptual knowledge Independently performs tasks from end to end as assigned Ability to process and handle confidential information with discretion

Requirements

Undergraduate degree required
3+ years of relevant experience
Proficient in Microsoft Office Suite (Excel, Word, PowerPoint)
Experience with risk management and audit tools

Nice To Haves

Banking industry audit experience with focus on Governance, Risk & Oversight Function preferred
Relevant professional certifications (e.g., CIA, CPA, CRMA) or progress towards preferred
Strong communication (written and verbal) skills to interact clearly and effectively in a fast-changing environment
Strong analytical and problem-solving skills
Ability to work independently and collaboratively in a team environment

Responsibilities

Perform and document audit test steps for assigned audits, focusing on critical areas.
Participate in audit planning and potentially lead less complex audits/projects.
Independently assess control design and operating effectiveness during audits.
Provide on-the-job training for staff auditors.
Execute and lead audit engagements aligned with applicable policies and regulatory guidelines for TD Bank's Governance, Risk & Oversight Functions.
Audit US Consumer Compliance regulations (UDAAP, TILA, HMDA, RESPA, EFTA, etc.) and the sufficiency of systems, processes, and oversight to support regulatory compliance.
Evaluate, document, and test the design and operating effectiveness of internal controls under manager guidance.
Execute control testing, identify findings, and deliver high-quality audit workpapers and reporting.
Conduct audit work based on established audit plans and execute audits in accordance with established standards, ensuring completion.
Execute testing of controls such as walkthroughs (documentation), test scripts (development and execution), and issue identification.
Coordinate communication with stakeholders throughout the audit process.
Support the team in reviewing internal controls and sharing findings and suggestions with stakeholders and audit leadership.
Execute follow-up of findings raised from regulatory and internal divisional audits in accordance with firm policy.
Provide input to audit projects/initiatives as a representative for the area of specialization.
Adhere to internal policies/procedures, enterprise frameworks and methodologies and applicable regulatory guidelines.
Contribute to the review of internal processes and activities and assist in identifying control weaknesses/failures, potential opportunities to improve operational efficiencies for own business area.
Develop and provide complex reporting, analysis, and assessments at the functional or enterprise level.
Prioritize and manage own workload to deliver quality results and meet assigned timelines.
Keep current on emerging trends/developments and grow knowledge of the business, analytical tools and techniques and apply them where appropriate.
Assist in preparing and sharing audit findings and presentation materials with management and broader audiences.
Assess/identify key issues and escalate to appropriate levels and relevant stakeholders where required.
Contribute to the analysis, due diligence and implementation of initiatives within the defined area of responsibility.
Continuously enhance knowledge/expertise in own area.
Support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/points of interest.
Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency.
Establish effective relationships across multiple businesses.
Participate in knowledge transfer within the team and business units.
Work to achieve individual goals and support other team members in the achievement of team goals and divisional objectives.