Senior Compliance Business Oversight Manager Fair Lending Center of Excellence

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

0

Pay Details:

$110,760 - $178,880 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:

Department Overview:

The Fair Lending Center of Excellence (FLCoE) supports TD Bank consumer-related businesses. Responsibilities include serving as a trusted advisor to the business, helping to identify and mitigate Fair Lending risks while ensuring compliance with applicable laws and regulations. The FLCoE collaboratives with senior executives, translating complex regulatory requirements into practical business guidance, and enhancing Fair Lending programs across multiple consumer lending lines.

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

Preferred Qualifications:

• Experience serving as a subject matter expert in Fair Lending laws, including ECOA, FHA, and related regulations.
• Experience partnering with business units to review Fair Lending metrics such as exceptions, discretion, complaints, and analytics results.
• Experience assessing Fair Lending data, testing results, and monitoring reports to identify trends, disparities, or emerging risks.
• Experience representing the FLCoE in cross-functional meetings, regulatory interactions, and business discussions as a trusted Fair Lending advisor.
• Proven expertise in reviewing and interpreting Fair Lending metrics, including: Exceptions and discretion monitoring, Fair Lending complaint reviews, and Analytics and statistical testing results
• Deep knowledge of the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and related Fair Lending regulations, guidance, and enforcement trends.
• Experience working with quantitative and qualitative metrics to