Senior Compliance Business Oversight Manager (US)

TD Bank•Charlotte, NC

2d•Onsite

About The Position

The Senior Compliance Business Oversight Manager – Consumer Banking will provide compliance oversight, advisory support and effective challenge, and manage compliance risks across delivery channels such as Digital Banking, Marketing, Contact Centers, and Retail/Branches. This role will primarily focus on compliance matters impacting Consumer Banking, verifying business practices align with applicable federal and state regulatory requirements. The position requires strong regulatory knowledge, issue and change management expertise, and the ability to partner with business leaders to identify risks, remediate gaps, and strengthen compliance controls. The Senior 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. Recognized as top level expert within the company and requires significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas. Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work. Integrates knowledge of the enterprise function’s or business segment’s overarching strategy in leading program design, policy formulation or operating standards within one or more areas of expertise. Anticipates emerging business trends and regulatory/risk issues as a basis for recommending large-scale product, technical, functional or operations improvements. Serves as a source of expert advice to senior management in field of specialty. Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties. Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field. Requires innovative thinking to develop new solutions. Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment. Works within general policies and industry guidelines. Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader organizational context. Provides leadership guidance, makes recommendations and collaborates with business to facilitate that solutions meet the business needs on a complex project or program. Identifies and leads problem resolution for project/program complex requirements related issues at all levels.

Requirements

Undergraduate degree or equivalent work experience
10+ years of experience
Strong subject matter expertise and knowledge of consumer banking regulations, specifically as they impact delivery channels (i.e., Digital Banking (online and mobile), Marketing, Retail/Branches, Contact Centers), including Reg Z, E Sign, Reg B, Reg E, FCRA, UDAAP, FDIC 328, 1033 Personal Financial Data Rights, etc.
Experience in compliance monitoring, testing, and control mapping.
Hands-on experience in issue management and regulatory change management.
Strong written and verbal communication skills with the ability to consult, influence, and provide constructive challenge to the business lines.
Strong presentation skills and ability to present to executives.
Relationship-building skills with the ability to work across multiple business lines.
Proactive, results-oriented, and adaptable “go-getter” mindset.

Nice To Haves

CRCM preferred
It is a plus if the candidate has experience with Artificial Intelligence initiative implementations in a consumer banking setting (i.e., GenAI, Agentic AI) and providing review and challenge on the inherent regulatory risks (including AI state law), 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.
Complete change risk assessments and related questionnaires for new business initiatives, performing review and challenge of inherent regulatory risks, mitigations and outlining conditions to launch; as well as presentation to executives for approval.
Serve as a compliance advisor to business partners through regular meetings and process reviews.
Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.
Lead regulatory change management efforts for new and updated state laws, ensuring effective business adoption and compliance.
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 ensure regulatory requirements are linked to effective business controls.
Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure.
Proactively advises the business of new and changed Compliance regulatory and/or policy changes.
Formulates relevant and meaningful data analysis, leveraging advanced modeling and analytics, and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues.
Contributes to the development and implementation of Compliance programs.
Guides partner through the development, implementation, oversight and management of effective Compliance Programs.
Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance.
Represents Compliance on internal or external committees relating to designated business activities as required.
Delivers relevant subject matter expertise and Compliance advice to business management.
Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices.
Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis.
Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate.
Actively assists in developing and overseeing implementation of business line policies and Compliance Team procedures.
Oversees respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities.
Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate.
Partners with the governance & assurance function to develop annual awareness training.
Conducts enterprise wide annual risk assessment for all TD businesses.
Protects the interests of the organization – identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues.
Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience.
Actively manages relationships within and across various business lines, corporate and/or control functions and promotes 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 promotes timely communication of issues/points of interest.
Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business.
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.