TD Bank

Senior Manager, Compliance Business Oversight (US) Fraud

TD Bank • $115K — $186K *
Mount Laurel, NJ 08054In-Person
Finance & Insurance
8 - 10 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 5-7 years of experience in compliance, fraud risk management, or a related field.
  • Strong leadership qualities demonstrating team building and development.
  • Deep understanding of regulatory compliance and fraud-related laws.
  • Excellent communication and relationship management skills.
  • Certifications such as CRCM and CAFP highly preferred.

Responsibilities

  • Lead the enhancement of the Fraud Compliance Program.
  • Serve as a subject matter expert on fraud laws and regulations.
  • Advise senior leadership on fraud compliance risks and mitigation.
  • Monitor and assess changes in regulations affecting compliance.
  • Develop management reporting to track compliance issues and risks.

Benefits

  • Growth opportunities through skill development and career progression.
  • Collaborative and supportive team environment.
  • Culture of accountability and continuous improvement.
  • Participation in regulatory examinations and compliance reviews.
Full Job Description
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 Fraud Compliance Manager is responsible for leading the fraud compliance program, ensuring adherence to applicable federal and state regulations, internal policies, and industry standards related to fraud prevention, detection, monitoring, and remediation. This role manages a team of compliance professionals, and partners closely with Fraud Operations, Legal, and Business Line leadership to identify and mitigate fraud-related compliance risks.

The ideal candidate is a seasoned compliance professional with deep regulatory knowledge, strong leadership capabilities, and a proven track record of building and developing high-performing teams in a complex, highly regulated environment. CRCM and CAFP certifications highly desired.

Key Responsibilities:

Regulatory Compliance & Risk Management
  • Lead the implementation, and ongoing enhancement of the Fraud Compliance Program.
  • Serve as a subject matter expert on applicable fraud-related laws, regulations, regulatory guidance, and industry best practices.
  • Provide credible challenge and oversight of fraud risk management activities across the organization.
  • Monitor regulatory developments and assess impacts to policies, controls, procedures, and business practices.
  • Advise senior leadership on emerging fraud compliance risks, regulatory expectations, and mitigation strategies.
  • Ensure effective monitoring, testing, issue management, and remediation activities related to fraud compliance risks.
  • Support regulatory examinations, audits, and compliance reviews.

Leadership & Team Management
  • Lead, mentor, and develop a team of compliance professionals, fostering a culture of accountability, collaboration, and continuous improvement.
  • Build organizational capability through coaching, succession planning, talent development, and employee engagement.
  • Establish clear performance expectations and create opportunities for professional growth.
  • Promote a strong risk and compliance culture across the organization.

Strategic Partnership
  • Partner with Fraud Operations, Legal, and business leaders to ensure effective implementation of fraud controls and regulatory requirements.
  • Provide guidance on fraud prevention, detection, customer remediation, complaint management, and investigation processes.
  • Influence stakeholders and drive alignment on compliance priorities and risk mitigation strategies.
  • Participate in compliance risk assessments, trends, and make recommendations to senior management and governance committees.

Governance & Reporting
  • Develop and maintain meaningful management reporting.
  • Track and escalate compliance issues, control gaps, and emerging risks.
  • Ensure timely remediation of identified issues and validation of corrective actions.
  • Prepare presentations and executive-level reporting for leadership and governance forums.


***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 Manager, Compliance Business Oversight manages and leads a team of Compliance professionals and is responsible to develop and maintain all aspects of Compliance programs for TD businesses/functions and legal entities as assigned.

Depth & Scope:
  • Provides people management leadership by hiring the appropriate and qualified talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
  • Oversees and leads a highly complex and diverse Compliance function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results
  • Maintains highly specialized expertise and in depth knowledge to manage Compliance programs for multiple, significant complex businesses, functional areas and/or global business lines
  • Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise
  • Manages and oversees the overall discipline and strategy for the Compliance area while aligning to the enterprise best practices
  • Position typically deals with senior/executive management
  • Key contact for business management, regulators and external/internal auditors, dealing with a broad range of issues including non-routine information
  • Focuses on longer-range planning for functional area (e.g. 12 months or greater)
  • May manage and prioritize multiple projects at a given time
  • Acts as highest point of team escalation for resolution and provides direction to resolve issues or escalate


Education & Experience:
  • Undergraduate degree or equivalent work experience
  • 10+ years of experience


Preferred Skills:
  • Bachelor's degree in Business, Finance, Accounting, Risk Management, Criminal Justice, or a related field.
  • 8+ years of experience in Compliance, Fraud Risk Management, Audit, or related risk disciplines.
  • 5+ years of people leadership experience with demonstrated success leading and developing teams.
  • Strong knowledge of applicable banking and consumer protection regulations, including fraud-related regulatory expectations and guidance.
  • Experience interacting with regulators, internal audit, and senior executives.
  • Demonstrated ability to assess compliance risk, challenge business practices, and influence strategic decisions.
  • Excellent communication, presentation, and relationship management skills.
  • Advanced degree (MBA, JD, or related field) (a plus).
  • Professional certifications such as CRCM, CAFP or equivalent(a plus).
  • Experience within a large financial institution or highly regulated industry (a plus).
  • Strong analytical and data-driven decision-making capabilities (a plus).


Leadership Competencies
  • Proven team builder with a track record of attracting, developing, and retaining top talent.
  • Strategic thinker with strong business acumen and sound judgment.
  • Ability to lead through change and drive organizational transformation.
  • Skilled collaborator capable of building relationships across all levels of the organization.
  • Demonstrates integrity, accountability, and a strong commitment to regulatory compliance and ethical conduct.


Success Measures
  • Effective management of fraud compliance risk and regulatory obligations.
  • Successful development and engagement of compliance team members.
  • Timely identification, escalation, and remediation of compliance issues.
  • Strong partnerships with business and risk stakeholders.
  • Positive examination, audit, and regulatory outcomes.


Customer Accountabilities:
  • Leads, coaches and manages a high performing team on delivery of Compliance programs
  • Determines and decides policy and/or action based on internal and external industry developments for Compliance Programs
  • Proactively reviews and advises the business of new and changed Compliance regulatory and/or policy changes
  • Contributes to the development and implementation of Compliance programs related to all aspects of Compliance laws
  • Works with executive team, senior business unit management/partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory compliance requirements
  • Ensures team collaboration with partners on business problems/issues and provides fact-based analytical advice that aligns to strategy and addresses business regulatory requirements and issues
  • Reviews and/or contributes on the development and presentation of analysis and insights back to executive leaders/business partners to drive strategic improvements and address regulatory requirements and issues
  • Engages with business partners and business leaders to determine and implement Compliance strategies and directs the compliance culture
  • Provides insight, guidance, and recommendation on Compliance subject matter, regulatory and industry issues and acts as a specialized resource to other departments based on subject matter expertise
  • Provides explanation and/or resolution for business/Compliance management based findings
  • Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate
  • Manages day to day operations of the department and participates in enterprise wide projects
  • Advises on day-to-day Compliance matters affecting the business including, but not limited to, customer identification and due diligence, enhanced due diligence, training and compliance testing
  • Delivers relevant subject matter expertise and Compliance advice to business management
  • Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis


Shareholder Accountabilities:
  • Actively assists in developing and overseeing implementation of business line policies and Compliance procedures, policies, and standards
  • Works closely with leaders to develop and operationalize the business plan and deliver on Compliance programs across the enterprise
  • Plans and executes on strategic activities, reviews and communicates results, and adjusts priorities accordingly
  • Proactively identifies key business opportunities, researches and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement
  • Understands TDBG issues/parameters and guides others to protect the reputation and interest of TD by adhering to operating standards and processes related to Compliance
  • Coordinates and supports team and business Compliance related activities as necessary
  • Partners with the governance & assurance function to develop various training and awareness programs
  • Provides oversight on enterprise wide annual risk assessment process as required
  • Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high risk transactions/activities as necessary
  • 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
  • Oversees that employees are building and enhancing their knowledge and expertise; and employees assume responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct


Employee/Team Accountabilities:
  • Responsible for management of the overall team providing both leadership and guidance
  • Sets targets/objectives for the team, and delivers results
  • Contributes to the development of business line and/or enterprise functional strategic priorities within their operational area or field of specialty
  • Grows team expertise to align with business/enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered
  • Leads a high performing team; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees
  • Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner
  • Provides thought leadership and/or industry knowledge and participates in knowledge transfer within the team and business
  • Manages employees in compliance with all human resources policies, procedures and guidelines of conduct
  • Shares knowledge, information, skills, and subject matter expertise among the team and promotes the timely communication of issues and encourages good working relationships with other functions and teams
  • Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes
  • Recruits for all hires to promote a highly diverse, qualified workforce to achieve business objectives
  • Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives
  • 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
  • Performi

About TD Bank

TD Securities offers a range of advisory and capital market services to its clients. The company's range of services includes research, investment banking, capital markets, and global transaction banking. Research consists of commodity and equity research. Investment banking consists of mergers, acquisitions, industry expertise, and credit origination. Global transaction banking consists of trade finance, cash management, and correspondent banking. TD Securities was founded in 1855 and is based in Ontario.

TD Bank Careers

Join the vibrant team at TD Bank, one of North America's leading financial services organizations, where innovation, leadership, and growth go hand in hand. At TD Bank, we are committed to fostering a culture of diversity and inclusion, making it an ideal place for ambitious professionals to thrive. Work You’ll Do At TD Bank, your professional journey is bolstered by a robust support system. From your first interview to every career milestone, you will find opportunities for growth and leadership. Our team is dedicated to helping you develop the skills necessary for success in the ever-evolving financial sector. TD Bank offers a variety of job opportunities across multiple fields, from customer service to investment banking. Each position at TD Bank is a chance to contribute to our culture of innovation and exceptional client service. Internship Programs Kickstart your career with a TD Bank internship. Our programs provide invaluable industry exposure and hands-on experience, making them a perfect starting point for students and recent graduates eager to make their mark in the banking industry. Interns at TD Bank enjoy the unique opportunity to work alongside seasoned professionals, gaining insights that are crucial for future employment. Benefits and Growth TD Bank is deeply committed to the well-being and continuous growth of our team members. We offer competitive benefits packages that cover health, finance, and family care. Our employees enjoy comprehensive health insurance, retirement plans, and generous paid time off, among other perks. Moreover, TD Bank encourages professional development through various training programs, including leadership development and diversity training. These initiatives ensure that our team remains at the forefront of industry standards and best practices. Join Our Team Explore the numerous career paths available at TD Bank and discover how your skills and interests align with our mission. We are actively hiring and continually looking for talented individuals who are passionate about banking and customer service. Networking and Professional Development At TD Bank, we believe in the power of networking and collaboration. Our employees have access to a wide range of networking events, workshops, and seminars that promote career development and professional growth. These platforms not only enhance your professional skills but also expand your industry connections. Stay Connected Keep up to date with the latest at TD Bank Careers by subscribing to our job alert emails. Tailor your subscription to match your career preferences and get the latest news, insider tips, and job opportunities delivered straight to your inbox. Explore job opportunities at TD Bank and be part of a team that values hard work, creativity, and a diverse workplace culture. Your next great career move is just a click away. SEARCH TD BANK JOBS Join us at TD Bank and let your ambition lead you to a rewarding career filled with opportunities to learn, grow, and innovate.
Learn more about TD Bank
Size
90,000 employees
Market Cap
$117.9 billion
Industry
Finance & Insurance
Net Income
-$6.9 million
5 Year Trend
+6.6%
* Ladders Estimates

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