US Wealth Compliance Regulatory Intake and Analysis

TD•Portland, ME

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 ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank’s size, complexity, and risk profile. In this role, you’ll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future. Beyond technical expertise, we’re looking for someone with an entrepreneurial mindset—someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure. Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you’ll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. In this position, the Analyst will be responsible for supporting the business in identifying, assessing, and implementing regulatory changes. Primary responsibility includes the initial analysis and breakdown of new and revised laws rules and regulations; developing detailed summaries which highlight potentially applicable aspects of the rule; presenting results to business line specialists to determine applicability of the rule for each of our US Wealth business lines; and supporting business line regulatory change implementations, including overseeing business changes to policies, procedures, systems, and/or controls via formal issue assignments, action plans or projects. The position requires a compliance knowledge with applicable laws and regulations, an ability to work both individually and as a team, strong analytical skills, and attention to detail. The position supports a sustainable U.S. Wealth Compliance function that effectively manages and oversees regulatory compliance risk and conduct risk in U.S. Wealth businesses by: Analyzing new or updated laws, rules and regulations to identify actionable citations and obligations that could be applicable to the business prior to engaging business stakeholders Developing detailed summaries of identified rules and regulations for use in meetings with business stakeholders to determine applicability Proactively managing regulatory change in collaboration with the U.S. Wealth business key stakeholders and risk owners including Applicability reviews where regulations are presented to the business stakeholders to determine which actionable line items would apply to the business Oversight of related administrative updates to ensure: Formal issues with remediation steps are entered into the issues management system to track work needed to comply with new or revised rules Controls are drafted, updated and/or applied to the new or revised rules Related policy, procedure, and guidance documents are updated to ensure ongoing compliance with the new or revised rules. Establishing and maintaining, or providing review and challenge to, policies, procedures and related controls designed to meet regulatory requirements and manage regulatory compliance risk and conduct risk

Requirements

Undergraduate degree or equivalent work experience
5+ years of experience
Knowledge of current and emerging trends, including regulatory expectations and standards for effective compliance management systems
Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements
Ability to independently identify, assess, and escalate issues requiring senior management attention.
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous

Nice To Haves

Experience with regulatory breakdown and assignment within the Financial Services sector is preferred.
Knowledge and experience within compliance or audit, related to legal and regulatory environment, and enterprise governance framework a plus.
Experience working in an integrated wealth business as a bank subsidiary, a focus on state insurance regulatory requirements and securities regulatory requirements is preferred.
Skill in using computer applications including MS Office Suite
Familiarity with data visualization tools including PowerBI and Tableau a plus

Responsibilities

Analyzing new or updated laws, rules and regulations to identify actionable citations and obligations that could be applicable to the business prior to engaging business stakeholders
Developing detailed summaries of identified rules and regulations for use in meetings with business stakeholders to determine applicability
Proactively managing regulatory change in collaboration with the U.S. Wealth business key stakeholders and risk owners including Applicability reviews where regulations are presented to the business stakeholders to determine which actionable line items would apply to the business
Oversight of related administrative updates to ensure: Formal issues with remediation steps are entered into the issues management system to track work needed to comply with new or revised rules Controls are drafted, updated and/or applied to the new or revised rules Related policy, procedure, and guidance documents are updated to ensure ongoing compliance with the new or revised rules.
Establishing and maintaining, or providing review and challenge to, policies, procedures and related controls designed to meet regulatory requirements and manage regulatory compliance risk and conduct risk
Assists in the development and implementation of appropriate Compliance policies, processes and controls
Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD’s Enterprise Compliance Risk Assessment Framework
Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion
Guides and complements the assigned portfolio in terms of financial, regulatory and risk management requirements
Interacts with control functions within the organization
Develops analysis and insights, prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products
Updates business line policies and Compliance Team procedures
Analyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levels
Works directly with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations
Keeps abreast of emerging issues, trends, and evolving regulatory requirements in the Compliance industry and assesses potential impacts
Coordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise
Supports in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs
Conducts enterprise wide annual risk assessment for all TD businesses
Supports the business lines with compliance/risk controls and periodically evaluates risk mitigation efforts to adjust as risk/department influences change
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

Benefits

Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.

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