Work Location:New York, New York, United States of America
Hours:40
Pay Details:$72,280 - $117,520 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 Ideal CandidateThe ideal candidate will thrive in a fast-paced setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.
Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.
Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.
Department Overview The U.S. Compliance Training team drives program oversight to ensure training activities are effectively executed, monitored, and aligned with regulatory expectations. The team delivers reporting, insights, and governance support while partnering across Compliance and business lines to maintain accurate tracking, support regulatory readiness, and enhance training processes.
The above details are specific to the role which is outlined in the general description below. Please review Desired Skills & Experience below as you consider this opportunity.Job Description SummaryThe Senior Compliance Business Oversight Analyst provides objective guidance, support and advice to assigned portfolio, business or function to promote strong Compliance controls and processes are in effect to mitigate inherent associated risks. This role contributes to the development and implementation of Compliance programs related to all aspects of Compliance laws.
Depth & Scope:- Expected to exercise sound and expert independent professional judgment and discretion in interacting and communicating with staff and senior management of the Bank with respect to significant regulatory compliance risk matters.
- Empowered to make prudent professional decisions in rendering advice and counsel to business lines or assigned areas, on compliance matters and regulatory risks which may impact performance of the business and overall enterprise strategies and objectives.
- Expert level professional role requiring in-depth knowledge/expertise in Compliance and working knowledge of broader related areas
- Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise
- Research, review and maintain expertise on banking regulations and laws, banking policies and procedures, and consumer protection laws
- Acts as the primary subject matter expert for regulations applicable to business partners and provides guidance, consultation and expert advice with respect to the business partners' compliance with such regulations directly related to the operations of the business
- Creates training content and may train business partners on regulatory requirements
- Advises the business with respect to the implementation of new and amended regulatory requirements
- Independently reviews and utilizes discretion, judgement and specialized expertise in approving the documentation for business line use: disclosures; forms; customer-facing correspondence; operating procedures; and policies
- Independently performs targeted and periodic monitoring of business activities for compliance with regulatory requirements and regulator expectation
- Identifies and communicates areas of non-compliance and/or material control weaknesses
- Responsible for the oversight of business partners' remediation of regulatory issues, including exercising discretion and independent judgment in reviewing and approving remediation action plans
- Responsible for assessing regulatory risk associated with new products, services and other initiatives that have significant operational or financial impact
- Integrates the broader organizational context into advice and solutions within the Compliance area
- Understands the industry, competition and the factors that differentiate the organization
- Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
- Contact for business management, external/internal auditors, dealing with non-routine information
- Recommends and implements solutions within own area of responsibility
- May need to coordinate/integrate work with other areas as needed
- Identifies and leads problem resolution for complex requirements related issues at all levels
Education & Experience:- Undergraduate degree or equivalent work experience
- 5+ years of experience
Desired Skills & Experience- Prior experience in a training function, preferably in the financial services industry, with experience supporting training operations tied to compliance, business, and regulatory priorities.`
- Advanced Excel, data analytics, and PowerPoint skills, with the ability to develop and maintain accurate reporting outputs, trackers, summaries, dashboards, templates, status updates, and reporting packages.
- Strong verbal and written communication skills.
- Ability to convey complex information clearly to stakeholders.
- Ability to communicate and present reporting outputs and key findings to peers, functional leadership, and business stakeholders.
- Strong analytical skills and exceptional attention to detail, including the ability to retrieve, consolidate, validate, reconcile, and manipulate training assignment and completion data from multiple sources.
- Experience preparing recurring and ad hoc reporting to support training operations, business decision-making, program oversight, execution of the U.S. Compliance Training Plan, and monitoring of assigned, completed, overdue, and upcoming training.
- Experience validating reporting outputs, identifying and resolving discrepancies prior to distribution, and maintaining audit-ready support for training records, reporting outputs, file sources, assumptions, version control, and reporting methodologies.
- Strong organizational skills with the ability to manage multiple priorities, drive outcomes, and support content development and deployment milestones in a highly regulated environment.
- Ability to manage training-related projects and assignments independently while supporting training planning, target audience identification, training schedules, execution tracking, and program effectiveness.
- Ability to recommend, create, improve, implement, and maintain training reporting tools, dashboards, templates, trackers, metrics solutions, and process improvements used to support ongoing training management and decision-making.
Customer Accountabilities:- Assists in the development and implementation of appropriate Compliance policies, processes and controls
- Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment Framework
- Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion
- Guides and complements the assigned portfolio in terms of financial, regulatory and risk management requirements
- Interacts with control functions within the organization
- Develops analysis and insights, prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products
Shareholder Accountabilities:- Updates business line policies and Compliance Team procedures
- Analyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levels
- Works directly with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations Keeps abreast of emerging issues, trends, and evolving regulatory requirements in the Compliance industry and assesses potential impacts
- Coordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise
- Supports in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs
- Conducts enterprise wide annual risk assessment for all TD businesses
- Supports the business lines with compliance/risk controls and periodically evaluates risk mitigation efforts to adjust as risk/department influences change
- Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues
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
- Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships.
- Contributes to a fair, positive and equitable environment that supports a diverse workforce
- Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
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.
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