Credit Manager Jobs

About The Position

Requirements

• Undergraduate degree or equivalent work experience.
• At least 7 years of experience.
• Strong credit card industry work experience.
• Strong expertise in laws and regulations.
• Ability to provide timely compliance guidance for change initiatives and oversee compliance-related project execution.
• Ability to partner effectively with senior leadership and business lines on regulatory risk and strategic decisions.
• Strong written and communication skills.
• Proactive, results-oriented, and adaptable mindset.
• Ability to work independently and manage a specialized compliance function or area.
• Ability to conduct advanced analysis and specialized reporting, manage or assist with regulatory reviews, and lead resolution of complex project or program issues.

Nice To Haves

• Experience managing third-party relationships.
• Experience in Internal Audit, Regulatory Compliance Testing, or as a financial examiner with direct responsibility for assessing consumer compliance regulations.
• Experience monitoring complaints, identifying trends, assessing regulatory risk such as UDAAP, Regulation Z, and FCRA, and translating insights into risk identification.
• Certified Regulatory Compliance Manager (CRCM) certification.

Responsibilities

• Provide primary compliance support and independent oversight and challenge for assigned business lines, activities, and initiatives with regulatory impact.
• Complete change risk assessments and related questionnaires for new initiatives, review inherent regulatory risks and mitigations, outline launch conditions, and present assessments to executives for approval.
• Advise business partners through regular meetings and process reviews.
• Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.
• Lead regulatory change management for new and updated state laws and support effective business adoption.
• 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 testing aligns with regulatory expectations.
• Support control mapping to link regulatory requirements to effective business controls.
• Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure.
• Advise the business on new and changed regulatory or policy requirements and provide subject matter expertise to business management.
• Analyze data and complex business issues, develop insights and recommendations, and assess the effectiveness of programs, policies, and practices.
• Contribute to the development and implementation of compliance programs and guide partners in their development, implementation, oversight, and management.
• Prepare summaries, presentations, briefing notes, and other compliance status documentation; represent Compliance on relevant committees as required.
• Maintain oversight of management reporting and analysis, and manage high-risk initiatives and escalations.
• Assist in developing Compliance Team procedures and facilitate periodic compliance risk and self-assessment activities using TD's Enterprise Compliance Risk Assessment Framework.
• Monitor timely completion and communication of assessments, manage risk assessments for assigned businesses, and support prompt resolution of escalated high-risk issues.
• Keep abreast of emerging issues, trends, and regulatory requirements; assess potential impacts and promote alignment with enterprise and regulatory requirements.
• Conduct internal and external research and support management or broader-audience presentations and communications.
• Manage relationships across business lines and control functions, promote risk management and control, and maintain processes aligned with risk appetite.
• Support team effectiveness, knowledge transfer, mentoring, development, communication, and a positive and equitable 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
• Variable compensation or incentive awards, potentially including cash and/or equity incentive awards