Senior Compliance Testing Analyst (US)

TD Bank•Charlotte, NC

18h•Onsite

About The Position

The Senior Compliance Testing Analyst executes independent testing and validations as part of the second line of defense, assessing regulatory compliance across the Bank’s businesses and operational units under the approved U.S. Compliance Monitoring and Testing methodology. The role is primarily responsible for issue validations and also assists with testing as needed. The analyst tests Compliance controls and systems, provides expertise on controls and processes, and may lead part of an engagement or take responsibility for completing an engagement phase. The role requires independent professional judgment when working with Bank staff and senior management on regulatory compliance and risk matters. The analyst researches applicable laws, regulations, policies, and procedures; develops test steps; performs complex analysis; summarizes results; identifies improvement areas; and assists management with findings and their presentation to business lines. Work includes conducting end-to-end assignments, including complex or non-standard work, and applying data analytics or AI-enabled capabilities where appropriate while retaining human review, professional judgment, evidence-based conclusions, and thorough documentation. The position is part of U.S. Compliance Monitoring and Testing within second-line Compliance. The team conducts independent, risk-based compliance testing and validations to assess the effectiveness of operational procedures and controls and regulatory outcomes. Issue validations independently assess whether corrective actions addressing identified issues are appropriate, complete, effective, and sustainable.

Requirements

Undergraduate degree or equivalent work experience.
At least 5 years of experience.
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 exercise independent professional judgment and discretion and to conduct complex analysis and testing.

Nice To Haves

Prior testing, audit, or business operations experience involving regulatory compliance.
Prior experience executing testing, validation, or audit activities.
Prior experience with data analytics, automation, or artificial intelligence (AI).
Experience using AI-enabled capabilities and evaluating and documenting AI-supported analytical work while applying human review and professional judgment.

Responsibilities

Execute independent, risk-based compliance testing and issue validations according to approved methodologies and established standards.
Assess regulatory compliance and the effectiveness of controls, systems, procedures, and processes across assigned businesses and operational units.
Primarily perform issue validations and provide cross-functional support for testing engagements as needed.
Research applicable banking regulations, laws, policies, procedures, and consumer protection requirements; maintain relevant subject-matter expertise.
Develop test steps tied to regulatory requirements and perform complex analysis and testing of business-line controls and processes.
Summarize testing results, identify areas for improvement, and assist management in writing and presenting findings to business-line staff and senior management.
Oversee or independently complete assigned work end to end, including complex or non-standard assignments; may lead part of an engagement or complete an engagement phase.
Conduct analytical research and collaborate with Compliance and business-line partners throughout engagements.
Identify testing errors and matters requiring additional attention, escalation, or review; validate findings in accordance with standards.
Understand the operations and risks of assigned business units and apply that knowledge to risk-based engagements.
Document research, methodologies, data sources, assumptions, AI usage, validation steps, and conclusions sufficiently to support traceability and audit defensibility.
Use AI-enabled capabilities to improve testing efficiency, consistency, and coverage while maintaining human review and professional judgment.
Support the development, testing, and refinement of reusable AI prompts, use cases, and analytical approaches; evaluate AI outputs for accuracy, completeness, relevance, and supporting evidence.
Identify data-quality issues, unsupported AI conclusions, anomalies, and other limitations, escalating them as appropriate.
Manage workload and timelines, contribute to initiatives and process improvements, and adhere to internal policies, standards, methodologies, and regulatory requirements.
Keep current with regulatory developments, internal policy changes, and emerging trends; communicate results and engagement progress to management and relevant partners.
Participate in team development and knowledge sharing, mentor or coach colleagues as appropriate, and contribute to a positive, diverse, and collaborative work environment.

Benefits

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
Reward and recognition
Training programs
Online learning platform
Mentoring programs
Variable compensation or incentive awards, potentially including cash and/or equity incentive awards