TD Bank

Senior Manager, Compliance Business Oversight (US)

TD Bank • $115K — $186K *
Charlotte, NC 28269In-Person
Finance & Insurance
8 - 10 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Undergraduate degree or equivalent work experience
  • 10+ years of compliance-related experience
  • 7+ years overseeing complex compliance programs
  • Strong knowledge of FDIC regulations, FCRA, and KYC
  • Proven leadership in team development and performance management
  • Excellent analytical, problem-solving skills
  • Effective communication, including with senior management

Responsibilities

  • Lead compliance programs for various regulatory requirements
  • Monitor regulatory developments and implement necessary policy changes
  • Assess and mitigate compliance risks in operational processes
  • Oversee KYC operations and regulatory statement distribution
  • Coach and develop a high-performing compliance team
  • Engage stakeholders by presenting compliance performance and risks
  • Drive process improvements to enhance regulatory compliance

Benefits

  • Comprehensive health insurance plans
  • Retirement savings options with company match
  • Generous paid time off policy
  • Professional development and training opportunities
  • Employee assistance programs and wellness initiatives
Full Job Description
Work Location:
Mount Laurel, New Jersey, United States of America

Hours:
40

Pay Details:
$115,440 - $186,160 USD

Line of Business:
Compliance
Job Description:

The Compliance Manager is responsible for leading regulatory compliance oversight and operational execution across multiple critical banking functions, including FDIC Part 330 and Part 370 compliance, Know Your Customer (KYC) Operations, Auto Finance Servicing, Regulatory Statement Distribution, and Credit Reporting Compliance. This role serves as a key partner to business leaders, operations teams, and legal to ensure adherence to regulatory requirements, effective control execution, and sustainable compliance practices.

The successful candidate will possess deep regulatory knowledge, strong leadership capabilities, and a proven ability to build high-performing teams while driving practical, risk-based solutions in a complex financial services environment.

Key Responsibilities:

Regulatory Compliance Oversight
  • Lead and oversee compliance programs related to:
    • FDIC Deposit Insurance Coverage requirements (Part 330)
    • FDIC Recordkeeping and Deposit Insurance Determination requirements (Part 370)
    • Credit Reporting and Furnishing requirements, including FCRA and Regulation V
    • Customer communications and regulatory statement distribution requirements
    • Auto Finance servicing regulatory obligations
    • KYC and Customer Due Diligence programs
  • Monitor regulatory developments, assess business impacts, and drive implementation of required changes.
  • Ensure policies, procedures, controls, and governance frameworks remain compliant and effective.
  • Provide subject matter expertise and credible challenge to business partners on regulatory compliance matters.


Risk Management & Controls
  • Identify, assess, and mitigate compliance risks associated with operational processes and customer-facing activities.
  • Oversee control design, testing, issue management, and remediation activities.
  • Review responses to regulatory examinations, compliance reviews, audit engagements, and internal assessments.
  • Monitor risk indicators, compliance metrics, and emerging risks; escalate concerns appropriately.


Operational Leadership
  • Provide oversight of KYC Operations and compliance-related operational processes.
  • Partner with Auto Finance Servicing leaders to ensure regulatory requirements are effectively incorporated into servicing activities.
  • Ensure timely and accurate execution of regulatory statement distribution and customer notification obligations.
  • Drive process improvement initiatives that enhance efficiency while maintaining strong regulatory compliance.


Team Leadership & Development
  • Coach and develop a team of compliance professionals.
  • Foster a collaborative, accountable, and high-performing culture.
  • Build strong partnerships across Compliance, Operations, and Business Line leadership.
  • Promote a solution-oriented approach that balances regulatory expectations with business objectives.


Stakeholder Engagement
  • Present compliance issues, emerging risks, and program performance to senior management.
  • Influence decision-making through clear communication and practical recommendations.
  • Act as a trusted advisor to business leaders regarding regulatory requirements and compliance risk management.


***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.

Job Summary:

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, Risk Management, Law, or a related field.
  • 7+ years of progressive compliance, operational risk, regulatory, or banking experience.
  • Strong knowledge of:
    • FDIC Part 330
    • FDIC Part 370
    • Fair Credit Reporting Act (FCRA) and Regulation V
    • KYC/Customer Due Diligence requirements
    • Banking operations and regulatory compliance frameworks
  • Experience leading complex compliance programs and regulatory initiatives.
  • Experience managing teams and developing employees.
  • Strong analytical, problem-solving, and issue management skills.
  • Excellent written and verbal communication skills, including executive-level presentations.
  • Experience within a large, complex financial institution (a plus).
  • Certified Regulatory Compliance Manager (CRCM) designation (a plus).
  • Knowledge of Auto Finance servicing regulations and operational processes (a plus).
  • Experience working with regulatory examinations, audits, and remediation programs (a plus).
  • Familiarity with enterprise risk management and compliance governance frameworks (a plus).


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
  • 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 (und

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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