Senior Compliance Business Oversight Manager - Consumer Banking

About this role

Work Location: Charlotte, North Carolina, United States of America Hours: 40 Pay Details: $115,440 - $186,160 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. 

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business: Compliance Job Description: Why Work with Us? 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 Senior Compliance Business Oversight Manager – Consumer Banking will provide compliance oversight, advisory support and effective challenge, and manage compliance risks for the Marketing line of business.

This role will primarily focus on compliance matters impacting Consumer Banking, verifying business practices and marketing collateral aligns with applicable federal and state regulatory requirements. The position requires strong regulatory knowledge, issue and change management expertise, and the ability to partner with business leaders to identify risks, remediate gaps, and strengthen compliance controls.

Key Responsibilities: • Serve as primary compliance support for the Marketing line of business, providing oversight and independent challenge on business activities and initiatives with regulatory impact.

• Complete change risk assessments and related questionnaires for new business initiatives, performing review and challenge of inherent regulatory risks, mitigations and outlining conditions to launch; as well as presentation to executives for approval.

• Serve as a compliance advisor to business partners through regular meetings and process reviews.

• Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.

• Lead regulatory change management efforts for new and updated state laws, ensuring effective business adoption and compliance.

• 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 aligned with regulatory expectations.

• Support control mapping to ensure regulatory requirements are linked to effective business controls.

• Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure .

The above details are specific to the role which is outlined in the general summary below. Please review the Desired Skills and Experience as you are considering this role.

Job Description Summary The Senior Compliance Business Oversight Manager provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction.

Depth & Scope: • Recognized as top level expert within the company and requires significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas

• Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work

• Integrates knowledge of the enterprise function’s or business segment’s overarching strategy in leading program design, policy formulation or operating standards within one or more areas of expertise

• Anticipates emerging business trends and regulatory/risk issues as a basis for recommending large-scale product, technical, functional or operations improvements

• Serves as a source of expert advice to senior management in field of specialty

• Advises on execution strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties

• Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field

• Requires innovative thinking to develop new solutions

• Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment

• Works within general policies and industry guidelines

• Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader organizational context

• Provides leadership guidance, makes recommendations and collaborates with business to facilitate that solutions meet the business needs on a complex project or program

• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience: • Undergraduate degree or equivalent work experience

• 10+ years of experience

Desired Skills and Experience: • Strong subject matter expertise and knowledge of Consumer Banking regulations, specifically as they impact the Marketing of Consumer Banking products and services, including but not limited to Reg Z, Reg DD, Reg B, Reg V, UDAAP, FD

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