TD Bank Group

Provide senior-level compliance risk oversight and subject matter expertise for U.S. Corporate Office Compliance programs and regulations. | 10+ years experience in compliance or related fields with strong regulatory knowledge and leadership skills. | Work Location: New York, New York, United States of America Hours: 40 Pay Details: $115,440 - $186,160 USD Line of Business: Compliance Job Description: The Senior Compliance Business Oversight Manager, U.S. Corporate Office Compliance, is responsible for providing senior-level, independent compliance risk oversight and subject matter expertise for key U.S. Corporate Office Compliance programs and laws, rules, and regulations within the function's scope, including Regulation O, Regulation W, the Volcker Rule, and related governance, monitoring, reporting, training, issue management, regulatory change, and control oversight activities. The role supports the effective execution and ongoing enhancement of the Regulatory Compliance Management program for Corporate Office Compliance, including credible challenge of business and control function activities, oversight of applicable Risk Owners and Oversight Functions, and coordination with Legal, Finance, Risk, Corporate Secretary, Third Party Risk Management, Audit, and other stakeholders. The role requires strong regulatory judgment, executive presence, practical risk-based decision-making, and the ability to influence outcomes across complex, enterprise-wide compliance programs. The Team is made up of five Compliance personnel within the Corporate Office Compliance Team. Team oversight expanding to include additional regulatory topics. This role will support all applicable US businesses and shared services. The above details are specific to the role which is outlined in the general description below. Please review Preferred & Experience below as you consider this opportunity. 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 and Scope: • Leads or supports the development, maintenance, and continuous enhancement of U.S. Corporate Office Compliance oversight programs designed to identify, assess, manage, monitor, and report regulatory compliance risk across assigned laws, rules, regulations, business activities, and corporate functions • Serves as a senior compliance subject matter expert for Regulation O, Regulation W, the Volcker Rule, and other assigned Corporate Office Compliance topics, including providing regulatory guidance, practical interpretation, and credible challenge to business partners, Risk Owners, Oversight Functions, and control partners • Provides independent oversight and challenge of applicable procedures, controls, governance processes, monitoring activities, training, reporting, issue remediation, and program documentation to support sustainable compliance with regulatory and enterprise requirements • Oversees or contributes to core Compliance Risk Management program activities, including regulatory inventory and control mapping, regulatory change management, compliance risk assessments, program effectiveness assessments, monitoring, issue management, training, governance reporting, and records retention • Supports Corporate Office Compliance oversight of Non-Compliance Oversight Functions by reviewing and challenging evidence of Regulatory Compliance Management program implementation, including governance, operating protocols, annual planning, training, regulatory inventory, risk assessment, monitoring, issue management, and escalation activities • Provides oversight and governance support for affiliate transactions and Regulation W-related processes, including business line procedure and control reviews, risk and control assessments, NBPA or project engagement reviews, targeted monitoring, training, reporting, and escalation of issues or exceptions • Supports Corporate Office Compliance's role in third-party compliance oversight by coordinating with Third Party Risk Management, Compliance Units, business lines, and vendor or relationship managers to identify regulatory compliance considerations, challenge control assessment conclusions, and promote appropriate ongoing monitoring guidance • Partners with Legal, Finance, Risk, Corporate Secretary, Third Party Risk Management, Operations, Technology, Audit, Regulatory Relations, and business stakeholders to promote effective compliance risk management, sustainable control design, and timely escalation of issues • Reviews and challenges policies, standards, procedures, control documentation, management reporting, training materials, regulatory change analyses, and issue remediation plans to assess whether they are clear, complete, risk-based, and aligned with applicable regulatory expectations and enterprise standards • Supports regulatory examination, audit, and inquiry responses by coordinating materials, developing management responses, validating evidence, documenting rationale, and ensuring commitments and remediation activities are tracked and escalated appropriately • Identifies emerging risks, regulatory developments, control gaps, program weaknesses, and process improvement opportunities and escalates matters through appropriate Compliance, governance, issue management, and committee channels • Prepares and delivers clear, executive-ready reporting on program status, compliance risks, control effectiveness, monitoring results, issues, trends, exceptions, and remediation progress for senior management, governance forums, committees, Audit, and regulators • Helps build team capability by promoting knowledge sharing, developing regulatory subject matter expertise, coaching team members, and fostering a collaborative, accountable, and high-performing compliance team environment • May represent Corporate Office Compliance in governance forums, committees, working groups, audits, regulatory meetings, risk partner reviews, and cross-functional initiatives where assigned laws, regulations, corporate functions, or enterprise compliance requirements are impacted Education & Experience: • Undergraduate degree or equivalent work experience • 10+ years of experience Preferred Skills: • Bachelor's degree or progressive work experience in addition to the experience noted below • 10+ years of related experience in compliance, risk management, legal, audit, regulatory supervision, financial services, corporate governance, or a related discipline • Certified Regulatory Compliance Manager (CRCM), law degree, regulatory agency experience, audit/exam management experience, or other relevant professional certification preferred • Strong knowledge of U.S. bank regulatory requirements and compliance risk management expectations applicable to Corporate Office Compliance, including Regulation W and affiliate transaction requirements, Regulation O and insider lending requirements, the Volcker Rule and related covered fund/trading activity restrictions, and related governance, monitoring, training, reporting, issue management, and control expectations • Demonstrated experience providing independent compliance oversight, regulatory advice, and credible challenge to senior business leaders, Risk Owners, Oversight Functions, corporate functions, and control partners • Experience leading or contributing to Compliance Risk Management program activities, including regulatory inventory and control mapping, regulatory change management, compliance risk assessments, program effectiveness assessments, monitoring, issue management, training, governance reporting, and control oversight • Experience supporting or overseeing complex compliance governance programs, including policy and procedure management, business line procedure reviews, control mapping, monitoring plans, management reporting, committee materials, and audit or regulatory examination responses • Strong understanding of second-line oversight expectations, including the ability to assess program design, challenge control effectiveness, identify regulatory compliance risk, document rationale, and escalate issues appropriately • Proven ability to evaluate complex business processes, corporate function activities, third-party arrangements, affiliate transactions, insider-related processes, investment or trading-related activities, and governance artifacts to identify compliance considerations and recommend practical, risk-based solutions • Demonstrated ability to develop and maintain productive relationships with Legal, Finance, Treasury, Risk, Corporate Secretary, Third Party Risk Management, Audit, Regulatory Relations, Operations, Technology, business partners, senior management, and regulators • Strong organizational, analytical, judgment, and execution skills, with the ability to manage multiple priorities, lead complex workstreams, support regulatory or audit deliverables, and drive timely resolution of issues • Solid understanding of technology, data, systems, records, workflows, and operational processes as they relate to compliance controls, monitoring, evidence retention, regulatory reporting, and program oversight • Effective influencing, negotiation, and stakeholder management skills, including the ability to operate successfully in a matrixed environment and provide clear challenge while maintaining constructive relationships • Excellent written and verbal communication skills, including the ability to prepare executive-ready materials, regulatory or audit responses, governance reporting, and clear explanations of complex regulatory concepts Customer Accountabilities: • Proactively advises the business of new and changed Compliance regulatory and/or policy changes • Formulates relevant and meaningful data analysis, leveraging advanced modeling and analytics, 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, implementation, oversight and management of effective Compliance Programs • Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance • Represents Compliance on internal or external committees relating to designated business activities as required • Delivers relevant subject matter expertise and Compliance advice to business management • Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices • Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis • Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate Shareholder Accountabilities: • Actively assists in developing and overseeing implementation of business line policies and Compliance Team procedures • Oversees respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business priorities • Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate • Partners with the governance & assurance function to develop annual awareness training • Conducts enterprise wide annual risk assessment for all TD businesses • Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues • Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience • Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements • Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts • Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: • Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and promotes timely communication of issues/points of interest • Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business • Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques • Participates in personal performance management and development activities, including cross training within own team • Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities • Contributes to team development of

Lead and manage a team performing enhanced due diligence reviews for high-risk customers, ensuring compliance with KYC policies and regulatory requirements, and providing risk mitigation recommendations. | Undergraduate degree, 7+ years relevant experience in KYC/AML, leadership skills, strong understanding of customer risk and regulatory compliance, CAMS certification preferred. | Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $86,840 - $139,360 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: Business Management, Strategy & Support Job Description: The Retail KYC Customer Owner for Consumer Distribution performs reviews for high-risk customers. This role is responsible for identifying, assessing, and mitigating risks, ensuring compliance with regulatory requirements, and providing expert recommendations on complex matters. This role requires discretion, independent judgment, and strong knowledge of anti-money laundering (AML) regulations and risk management practices. The primary responsibility of the Centralized Review Team-Consumer KYC is to execute enhanced due diligence (EDD) reviews for high-risk customers at the bank. The team is responsible for managing procedures and escalations related to high-risk customers, including analysis of customer behavior and activity of concern, in compliance with KYC policy and regulatory requirements. The team engages with the 1st line of defense on the outcomes of EDD reviews, management of issues, and guidance related to high-risk customer types and associated activity. Depth & Scope: • Leads and manages a significant business management functional area and overall operation of a diverse group in an area of moderate risk, complexity or scope • Ensures an integrated approach with other business management areas, broader organization, and enterprise as appropriate • Deep knowledge and understanding of businesses / technology, and organizational practices/ disciplines • Sound to advanced knowledge of external competition, industry and/or market trends in relation to own function / business • Focuses on short to medium-term issues (e.g. 6-12 months) Education & Experience: • Undergraduate degree • 7+ years relevant experience Preferred Qualifications: • Undergraduate degree • 7+ years relevant experience • Strong understanding of KYC and ability to demonstrate leadership skills • Strong understanding of customer relationship and ability to mitigate risk • CAMS certified • Ability to be tech savvy and adapt quickly Customer Accountabilities: • Develops, communicates and implements a holistic strategy for own specific business management function in support of and integrated with the overall business strategy • Oversees / leads / manages and plans a work activities that may require alignment across multiple areas • Leads the team in the development and/or integrated implementation of policies / processes / procedures / changes across multiple functional areas • Leads partner to management and respective teams for area of specialization with industry, external and internal, enterprise and business awareness; recognizing and anticipating emerging trends and; identifying issues and opportunities and recommending action to senior management • Acts as a strategic partner by leading relationships with key enterprise partners and interfacing with respective leadership team to effectively manage own business management area and clarify scope of accountabilities while influencing and aligning others as needed • Ensures an integrated and aggregated view of all related activities across the overall function providing escalations, recommendations, and decision support to leadership. • Forecasts programs / initiatives and demand, and coordinate prioritization of the portfolio/ initiatives with key stakeholders • Provides functional / business level communications to ensure messages to stakeholders and/or employees are consistent, appropriate and aligned to business strategies and executive management direction Shareholder Accountabilities: • Ensures team adheres to enterprise frameworks and methodologies related to overall business management activities • Leads relationships with corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements • Supports team in staying knowledgeable on emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the Bank • Assesses / identifies key issues and escalate to appropriate levels and relevant stakeholders and business management where required • Maintains a culture of risk management and control, supported by effective processes and sound infrastructure an in alignment with risk appetite • Identifies, mitigates and reports on risk issues per enterprise policy / guidelines and ensure appropriate escalation processes are followed • Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals, and physical control of assets). • Works closely with key business leaders to optimize TDBGs resources and leverage TDs operating model to maximize efficiency, effectiveness and scale • Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations • May lead relevant governance meetings or committees and related deliverables / outcomes representing the business on governance and control issues • Manages oversight process, risk-based identification and monitoring of related risks and regulatory compliance across the supported functions, while ensuring key controls and processes are effectively managed • Oversees or leads the facilitation and/or implementation of action/remediation plans to address performance/risk/governance issues Employee/Team Accountabilities: • Responsible for management of the overall team(s) providing both leadership and guidance • Sets targets and objectives for the team, and deliver results • Grows team expertise to align with enterprise demand and the Bank's direction; assess team skills and capabilities and continually look for ways to provide and enhance the value delivered • Fosters an environment / culture that encourages productivity, innovation, process improvement, teamwork and a high level of professionalism • Co-ordinates necessary resources to ensure completion by deadlines • Provides coaching, development, succession, recruitment, resource management and overall team leadership for team members and provide regular input into team members assessment of performance and development plans • Prioritizes and manages own workload in order to deliver quality results and meet timelines • Supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest • Identifies and recommend opportunities to enhance productivity, effectiveness and operational efficiency • Establishes effective relationships across multiple business and technology partners, program and project managers • Participates in knowledge transfer within the team and business units Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% • Domestic Travel - Occasional • International Travel - Never • Performing sedentary work - Continuous • Performing multiple tasks - Continuous • Operating standard office equipment - Continuous • Responding quickly to sounds - Occasional • Sitting - Continuous • Standing - Occasional • Walking - Occasional • Moving safely in confined spaces - Occasional • Lifting/Carrying (under 25 lbs.) - Occasional • Lifting/Carrying (over 25 lbs.) - Never • Squatting - Occasional • Bending - Occasional • Kneeling - Never • Crawling - Never • Climbing - Never • Reaching overhead - Never • Reaching forward - Occasional • Pushing - Never • Pulling - Never • Twisting - Never • Concentrating for long periods of time - Continuous • Applying common sense to deal with problems involving standardized situations - Continuous • Reading, writing and comprehending instructions - Continuous • Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.