Senior Compliance Business Oversight Manager (US)

TD•Portland, ME

4d•Onsite

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 Senior Compliance Business Oversight Manager is responsible for leading and developing a team of specialists and managers who execute Compliance monitoring and support exam management activities in alignment with regulatory and internal requirements. This role provides strategic leadership, governance, and execution oversight to ensure timely, high‑quality delivery of monitoring and exam materials. The ideal candidate thrives in a fast‑paced, build‑out environment and brings the ability to operate effectively in a start‑up‑like setting while establishing scalable compliance structures appropriate for the bank’s size, complexity, and risk profile. Success in this role requires a balance of strategic foresight and hands‑on execution, strong people leadership, and the ability to collaborate across Compliance, Risk, and Business partners. This leader is expected to be strategic, tactical, collaborative, and creative, anticipating emerging risks and trends, driving operational efficiencies, and communicating effectively with senior and executive management on compliance monitoring outcomes and risk themes. This role will be largely focused on the on-going monitoring of consumer business lines which would require the following:

Requirements

Undergraduate degree or equivalent work experience
7+ years of experience
Strong Subject Matter Expertise and knowledge of consumer banking regulations, specifically as they impact Deposit Products and Backoffice Operations, including Reg E, Reg CC, Reg DD, Reg Z, FCRA, UDAAP, FDIC 370, etc.
Experience in compliance monitoring, testing, and/or audit.
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.

Nice To Haves

CRCM preferred

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.
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.
Works independently and is accountable for managing a specialized Compliance function or area.
Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates.
Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise.
Provides guidance and support to analysts on matters related to portfolio and specialty.
Typically, a subject matter expert for a key functional Compliance area and business.
Contact for business management, dealing with non-routine information.
Manages/assists with regulatory reviews including inquiries, audits, and exams.
Identifies and leads problem resolution for project/program complex requirements related issues at all levels.
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.