Head of US Credit Cards & Unsecured Lending Governance & Control (US)

Work Location:

United States of America

Hours:

40

Pay Details:

$160,000 - $220,000 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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:

Product Management

Job Description:

The Head of US Credit Cards & Unsecured Lending (CCUL) Governance and Control leads the 1a governance & control function for CCUL through the development, communication and implementation of a governance strategy for the business in support of the overall business strategy.  Partners with the business to respond to audits and exams and also develops and implements proactive strategies, tactics and programs to effectively manage regulatory and governance issues.

Depth & Scope:

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
• Leads the 1a Governance & Control function for CCUL through the development, communication and implementation of a governance strategy for the business in support of the overall business strategy
• Oversees Governance & Control activities, through the assessment of risks and recommend changes based on business information from the various control function partners, including Risk Management, Compliance, Legal, Vendor Management, AML, Regulatory, Audit and lines of business
• Partners with the business to respond to audits and exams, develop and implement proactive strategies, tactics and programs to effectively manage regulatory and governance issues
• Maintains a culture of risk management and control, supported by effective processes, sound infrastructure and in alignment with risk appetite
• Assesses the effectiveness of the business governance and control programs, including conducting research to determine best practices
• Represents the business on Risk Management, Compliance, AML Vendor Management, Regulatory and Audit related initiatives
• Keeps up to date on regulatory issues affecting the governance and control of the business
• Supports TD's enterprise-wide risk strategies and control function requirements
• Identifies and manages issues on behalf of CCUL, collaborating with LOBs and various control partners to resolve and close findings
• Drives enhancements to the control environment, including ensuring fulsome process maps, identification of risk and controls and the efficient monitoring of these controls (e.g., drive greater automation)
• Contributes to improved understanding of governance and control requirements, emerging trends and issues specific to the business unit
• Acts as the business representative for all audits to ensure they are executed and completed in accordance with established standards and within prescribed time, budget and scope parameters
• Leads, implements, and/or conducts due diligence process reviews for potential areas of risk to ensure the business is always prepared for internal and external audit reviews
• Provides insight or guidance to the executive leadership team to help inform or support decisions as appropriate
• Provides functional and business-level communications to ensure messages to stakeholders and/or employees are consistent, appropriate and aligned to business strategies and executive management direction

Education & Experience:

• Bachelor's degree preferred
• 10+ years of related experience
• In-depth knowledge of relevant banking and regulatory rules and policies, specifically in credit cards/unsecured lending
• Significant experience with regulators and audit partners across a multi-disciplined business division
• Strong business acumen and analytical capabilities with the ability to consolidate information into clear, concise analysis in support of business decisions
• Forward thinking and strategic thinking capabilities in order to support the business in executing on strategy
• Ability to influence and motivate other