Senior Manager, Compliance Business Oversight (US) Fraud

TD Bank•Mount Laurel, NJ

1d•Onsite

About The Position

TD Bank US Compliance is focused on building a more resilient and scalable compliance risk management function. This role involves reshaping compliance structures and processes, driving innovation, and creating a culture of compliance. The Fraud Compliance Manager leads the fraud compliance program, ensuring adherence to federal and state regulations, internal policies, and industry standards for fraud prevention, detection, monitoring, and remediation. This position manages a team of compliance professionals and collaborates with Fraud Operations, Legal, and Business Line leadership to identify and mitigate fraud-related compliance risks. The ideal candidate is an experienced compliance professional with deep regulatory knowledge, strong leadership skills, and a proven ability to build and develop high-performing teams in a complex, regulated environment. CRCM and CAFP certifications are highly desired.

Requirements

Undergraduate degree or equivalent work experience
10+ years of experience
8+ years of experience in Compliance, Fraud Risk Management, Audit, or related risk disciplines.
5+ years of people leadership experience with demonstrated success leading and developing teams.
Strong knowledge of applicable banking and consumer protection regulations, including fraud-related regulatory expectations and guidance.
Experience interacting with regulators, internal audit, and senior executives.
Demonstrated ability to assess compliance risk, challenge business practices, and influence strategic decisions.
Excellent communication, presentation, and relationship management skills.
Proven team builder with a track record of attracting, developing, and retaining top talent.
Strategic thinker with strong business acumen and sound judgment.
Ability to lead through change and drive organizational transformation.
Skilled collaborator capable of building relationships across all levels of the organization.
Demonstrates integrity, accountability, and a strong commitment to regulatory compliance and ethical conduct.
Bachelor's degree in Business, Finance, Accounting, Risk Management, Criminal Justice, or a related field.

Nice To Haves

CRCM and CAFP certifications highly desired.
Advanced degree (MBA, JD, or related field)
Experience within a large financial institution or highly regulated industry
Strong analytical and data-driven decision-making capabilities

Responsibilities

Lead the implementation and ongoing enhancement of the Fraud Compliance Program.
Serve as a subject matter expert on applicable fraud-related laws, regulations, regulatory guidance, and industry best practices.
Provide credible challenge and oversight of fraud risk management activities across the organization.
Monitor regulatory developments and assess impacts to policies, controls, procedures, and business practices.
Advise senior leadership on emerging fraud compliance risks, regulatory expectations, and mitigation strategies.
Ensure effective monitoring, testing, issue management, and remediation activities related to fraud compliance risks.
Support regulatory examinations, audits, and compliance reviews.
Lead, mentor, and develop a team of compliance professionals, fostering a culture of accountability, collaboration, and continuous improvement.
Build organizational capability through coaching, succession planning, talent development, and employee engagement.
Establish clear performance expectations and create opportunities for professional growth.
Promote a strong risk and compliance culture across the organization.
Partner with Fraud Operations, Legal, and business leaders to ensure effective implementation of fraud controls and regulatory requirements.
Provide guidance on fraud prevention, detection, customer remediation, complaint management, and investigation processes.
Influence stakeholders and drive alignment on compliance priorities and risk mitigation strategies.
Participate in compliance risk assessments, trends, and make recommendations to senior management and governance committees.
Develop and maintain meaningful management reporting.
Track and escalate compliance issues, control gaps, and emerging risks.
Ensure timely remediation of identified issues and validation of corrective actions.
Prepare presentations and executive-level reporting for leadership and governance forums.
Manage and lead a team of Compliance professionals responsible for developing and maintaining Compliance programs for assigned TD businesses/functions and legal entities.
Provide people management leadership by hiring appropriate talent, setting goals, developing staff, managing performance and compensation, promoting teamwork, and handling disciplinary actions.
Oversee and lead a highly complex and diverse Compliance function for an area of significant risk, complexity, or scope.
Grow talent, develop skills and capabilities to achieve career goals, support project/initiative success, and achieve business results.
Maintain highly specialized expertise and in-depth knowledge to manage Compliance programs for multiple, significant complex businesses, functional areas, and/or global business lines.
Provide coaching, mentorship, and guidance to practitioners, business leaders, and executives within the area of expertise.
Manage and oversee the overall discipline and strategy for the Compliance area, aligning with enterprise best practices.
Act as the highest point of team escalation for resolution and provide direction to resolve issues or escalate.
Actively assist in developing and overseeing implementation of business line policies and Compliance procedures, policies, and standards.
Work closely with leaders to develop and operationalize the business plan and deliver on Compliance programs across the enterprise.
Plan and execute on strategic activities, review and communicate results, and adjust priorities accordingly.
Proactively identify key business opportunities, research and recommend enhancements/modifications, develop strategies to achieve recommendations, and work closely with the team to execute and implement.
Understand TDBG issues/parameters and guide others to protect the reputation and interest of TD by adhering to operating standards and processes related to Compliance.
Coordinate and support team and business Compliance related activities as necessary.
Partner with the governance & assurance function to develop various training and awareness programs.
Provide oversight on enterprise-wide annual risk assessment process as required.
Protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions/activities as necessary.
Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
Oversee that employees are building and enhancing their knowledge and expertise; and employees assume responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct.
Responsible for the management of the overall team providing both leadership and guidance.
Set targets/objectives for the team, and deliver results.
Contribute to the development of business line and/or enterprise functional strategic priorities within their operational area or field of specialty.
Grow team expertise to align with business/enterprise demand and direction; assess team skills and capabilities and continually look for ways to provide and enhance the value delivered.
Lead a high-performing team; provide on-going feedback and performance reviews, coach and develop employees, and ensure performance management activities are undertaken and completed for all employees.
Provide thought leadership and/or industry knowledge and participate in knowledge transfer within the team and business.
Manage employees in compliance with all human resources policies, procedures, and guidelines of conduct.
Share knowledge, information, skills, and subject matter expertise among the team and promote the timely communication of issues and encourage good working relationships with other functions and teams.
Support an environment where the team freely escalates business challenges; facilitate change through positive reinforcement of milestones and successes.
Recruit for all hires to promote a highly diverse, qualified workforce to achieve business objectives.
Establish and foster a cohesive team; promote a fair and equitable environment that supports a diverse workforce and encourage the team to achieve common goals and objectives.
Act as a brand ambassador for your business area/function and the bank, both internally and/or externally.

Benefits

Base salary
Variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan)
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
Mentoring programs