Compliance Business Oversight Manager

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$91,000 - $145,600 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 Compliance Business Oversight Manager plays a critical role in ensuring adherence to regulatory requirements such as Regulations FCRA, X, Z, SCRA, and FDPA and other consumer protection regulations. The individual will lead and coordinate compliance-related initiatives, manage regulatory exams, and collaborate cross-functionally to support business partners. Strong communication and reporting capabilities, along with subject matter expertise in consumer lending regulations, are essential.

The above details are specific to the role which is outlined in the Job Summary and general description below. Please review the Desired Skills & Experience section below as you consider this opportunity.  

Job Summary:

The 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:

• Works independently and is accountable for managing a specialized Compliance function or area

• Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates

• Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise

• Provides guidance and support to analysts on matters related to portfolio and specialty

• Typically a subject matter expert for a key functional Compliance area and business

• Contact for business management, dealing with non-routine information

• Manages/assists with regulatory reviews including inquiries, audits, and exams

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

Education & Experience:

• Undergraduate degree or equivalent work experience

• 7+ years of experience

Desired Skills and Experience:

• Strong knowledge of consumer protection regulations including FCRA, Reg Z, Reg X, FDPA and SCRA.

• Excellent verbal and written communication skills, including executive-level reporting and presentation development.

• Proficiency in Microsoft PowerPoint and basic Excel

• Experience in compliance project work and cross-functional initiatives.

• Independent thinker with sound judgment and the ability to challenge effectively.

• 3rd Party Oversight experience a plus

• CRCM a plus.

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Customer Accountabilities:

• Proactively advises the business of new and changed Compliance regulatory and/or policy changes

• Formulates relevant and meaningful insights from data analysis and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues

• Contributes to the development and implementation of Compliance programs

• Guides partner through the development, im