Senior Compliance Testing Analyst (US)

TD•Portland, ME

2d•$72,280 - $108,160•Onsite

About The Position

The Senior Compliance Testing Analyst executes independent, risk-based testing and validations as part of the second line of defense to assess regulatory compliance across assigned businesses and operational units of TD Bank and its affiliates. Work is performed in accordance with U.S. Compliance Monitoring and Testing’s approved methodology. The role focuses primarily on validating issues and may also support testing across functions. The analyst provides expertise on compliance controls and processes and may lead part of an engagement or be responsible for completing a phase. The position requires independent research and analysis of banking regulations, laws, policies, procedures, and consumer protection requirements. The analyst develops and performs test steps, assesses controls and processes, identifies areas for improvement, and documents and communicates results to business partners and management. The role also uses AI-enabled capabilities to improve testing efficiency, consistency, and coverage while maintaining human review, professional judgment, traceability, and audit defensibility. The role is based in Charlotte, North Carolina, with a stated 40-hour workweek. Occasional domestic travel is listed; international travel is never required. The posted base salary range is $72,280–$108,160 USD.

Requirements

Undergraduate degree or equivalent work experience.
At least 5 years of experience.
Sound independent professional judgment and discretion when communicating with bank staff and senior management about regulatory compliance and risk matters.
Ability to research and maintain expertise in banking regulations and laws, banking policies and procedures, and consumer protection laws.
Ability to learn regulatory requirements for assigned business units, develop test steps, conduct complex analysis and testing, and communicate results and improvement opportunities.
Strong verbal and written communication skills.
Detail orientation and well-developed organizational, time-management, and project-management skills.
Ability to manage multiple tasks and competing priorities.
Proficiency with Microsoft Office applications.
Ability to apply human review and professional judgment when using AI-enabled capabilities and to document work sufficiently for audit defensibility.

Nice To Haves

Prior testing, audit, or business operations experience in areas involving regulatory compliance.
Prior experience executing testing, validation, or audit activities.
Prior experience with data analytics, automation, or artificial intelligence (AI).

Responsibilities

Execute independent compliance testing engagements in accordance with established standards and target timelines.
Perform issue validations to assess the appropriateness, completeness, effectiveness, and sustainability of corrective actions.
Conduct research and analysis, develop test steps, perform complex testing of controls and processes, summarize results, and identify areas for improvement.
Serve as a subject matter expert on applicable regulations and advise business partners on compliance requirements related to their operations.
Oversee or independently complete assigned work end to end, including complex or non-standard assignments; potentially lead a portion or phase of an engagement.
Assist management in writing findings and presenting them to business-line staff and senior management.
Collaborate with Compliance and business-line partners throughout testing engagements and proactively identify matters requiring attention, escalation, or review.
Document research, methodologies, data sources, assumptions, AI usage, validation steps, evidence, and conclusions to support traceability and audit defensibility.
Use AI-enabled capabilities and support development and refinement of reusable AI prompts, use cases, and analytical approaches for testing activities.
Evaluate AI-generated results for accuracy, completeness, relevance, and supporting evidence; identify data-quality issues, unsupported conclusions, anomalies, and limitations, and escalate as appropriate.
Prioritize workload, meet timelines, and maintain quality while adhering to internal policies, standards, methodologies, and regulatory requirements.
Keep abreast of changes in regulations, policies, standards, tools, and emerging trends; contribute to improvements in the Compliance Management System.
Communicate testing results and project progress to management, clients, colleagues, and relevant stakeholders.
Contribute to team development through knowledge sharing, mentorship, cross-training, and support for a positive, diverse, and collaborative work environment.
Maintain a culture of risk management and control aligned with the organization’s risk appetite.