TD Bank Group

Provide senior-level compliance risk oversight for payment operations and related business activities. | 10+ years experience in compliance, risk management, or related fields with strong knowledge of payment operations regulations. | Work Location: Mount Laurel, New Jersey, 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: The Senior Compliance Business Oversight Manager (US) is responsible for providing senior-level, independent compliance risk oversight for Payment Operations, including payment processing, Automated Clearing House (ACH), wire transfers, check processing, funds availability, electronic funds transfers, returns, adjustments, disputes, error resolution, exception handling, and related operational controls. The role may also support Commercial Banking activities where payment-related products, services, or operational processes intersect with assigned business coverage. Team is made up of seven Compliance personnel covering Commercial and Small Business Banking. Team oversight expanding to include Payment Operations. This role will support both the Commercial and Small Business Banking as well as Payment Operations business. ***The above details are specific to the role which is outlined in the general description below. Please review the Preferred skills 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 compliance oversight programs designed to identify, assess, manage, monitor, and report regulatory compliance risk for Payment Operations • Provides senior-level compliance advice, credible challenge, and effective oversight for payment operations strategies, new initiatives, products, services, operational changes, customer impact matters, and issue remediation activities • Provides compliance oversight for payment operations processes, including wire transfers, Automated Clearing House (ACH), check processing, funds availability, returns, adjustments, disputes, error resolution, and exception handling • Advises on compliance requirements related to Regulation E, Regulation CC, Regulation J, Federal Reserve payment system rules, network rules, and applicable operational requirements for payment products and services • Reviews operational changes, system enhancements, vendor impacts, and process redesigns to assess potential compliance implications for payment processing, customer servicing, disclosures, recordkeeping, and escalation • Provides compliance oversight and credible challenge for payment-related issues, including processing delays, operational incidents, control breaks, customer impact assessments, remediation plans, and regulatory reporting considerations • Assesses compliance implications of fraud trends, service disruptions, payment processing exceptions, and other operational events, including potential customer harm and remediation obligations • Partners with Payment Operations, Product, Technology, Legal, Risk, and Third-Party Risk Management to strengthen controls supporting timely processing, accurate customer disclosures, error resolution, recordkeeping, escalation, and sustainable remediation • Monitors emerging payment risks, including faster payments, digital payment channels, tokenized deposits, stablecoin-related payment facilitation, operational resilience, fraud trends, and third-party dependencies • Partners with business leaders and control partners to operationalize compliance requirements, strengthen controls, and support alignment with enterprise compliance programs and risk appetite • Oversees and contributes to compliance risk assessments, regulatory change management, monitoring, testing, issue management, training, reporting, and other core compliance program activities, as applicable • Develops trusted relationships with senior Payment Operations, Product, Technology, and control partners, and provides clear, practical, and risk-based guidance on complex regulatory matters impacting payment processing, servicing, and related operational activities • Supports management reporting and provides timely, accurate, and well-supported insight on compliance risks, control effectiveness, customer impact matters, issues, remediation progress, trends, and outcomes for senior management and governance committees • Serves as a senior compliance representative on projects, initiatives, and working groups involving complex laws, regulations, business processes, controls, and cross-functional stakeholders • Coordinates with Legal, Risk, Audit, Operations, Product, Technology, and other partners to promote effective compliance risk management and sustainable control design • Supports regulatory examination, audit, and inquiry responses by helping coordinate materials, develop management responses, and ensure commitments and remediation activities are appropriately tracked • Identifies emerging risks, regulatory developments, control gaps, customer impact concerns, operational incident trends, and process improvement opportunities and escalates matters appropriately • Helps build team capability by promoting knowledge sharing, developing subject matter expertise, and fostering a collaborative, high-performing team environment • May represent Compliance in governance forums, committees, working groups, or other meetings where assigned payment operations activities are impacted by laws, rules, regulations, or enterprise compliance requirements 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, payment operations, or a related discipline • Certified Regulatory Compliance Manager (CRCM), law degree, regulatory agency experience, or other relevant professional certification preferred • Strong knowledge of U.S. bank regulatory requirements and industry rules applicable to Payment Operations, including Regulation E, Regulation CC, Regulation J, wire transfer requirements, funds availability, check processing, payment returns, disputes, error resolution, and exception handling • Familiarity with Federal Reserve payment system rules, Automated Clearing House (ACH) rules, payment network rules, faster payment developments, operational resilience expectations, fraud-related controls, third-party risk management, and customer servicing obligations • Knowledge of emerging payments and digital asset-related activities, including tokenized deposits, stablecoin reserve arrangements, distributed ledger-enabled payment facilitation, and related expectations for governance, compliance, operational controls, customer protection, and safe and sound risk management, preferred • Demonstrated experience providing independent compliance oversight, advice, and credible challenge to senior business and control partners • Certified Regulatory Compliance Manager (CRCM), law degree, regulatory agency experience, or other relevant professional certification preferred • Experience supporting or overseeing compliance risks related to payment operations, payment processing platforms, payment investigations, customer claims, exception processing, or back-office operations • Experience advising on regulatory implications of operational procedures, system changes, vendor-supported processes, customer impact assessments, operational incidents, and issue remediation within a payments or operations environment • Ability to translate complex payment rules and operational requirements into practical control expectations, procedures, monitoring routines, and governance reporting • Experience leading or contributing to compliance program activities, including risk assessments, regulatory change management, monitoring, testing, issue management, training, governance reporting, remediation oversight, and control effectiveness reviews • Strong people leadership skills, including the ability to coach, develop, motivate, and manage employees in a collaborative and accountable environment • Proven ability to evaluate complex payment operations processes, identify regulatory compliance risks, assess control effectiveness, and recommend practical, risk-based solutions • Demonstrated ability to develop and maintain productive relationships with Payment Operations, Product, Technology, Legal, Risk, Audit, senior management, auditors, and regulators • Strong organizational, analytical, and judgment skills, with the ability to manage multiple priorities, drive execution, and escalate issues appropriately • Solid understanding of technology, data, systems, and operational processes as they relate to compliance controls and risk oversight • Effective influencing, negotiation, and stakeholder management skills, including the ability to operate successfully in a matrixed environment • Excellent written and verbal communication skills, including the ability to prepare executive-ready materials and communicate complex regulatory concepts clearly and succinctly 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 skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices<

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