Senior Compliance Business Oversight Analyst
At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program it's about creating a culture of compliance that will cascade throughout the organization.
The 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 mindsetsomeone 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.
This role is part of the US Compliance Business Management Team which provides oversight and support for key elements of the US Compliance Program, including :
- Regulatory training
- Talent development
- Employee experience
- Strategic planning, staffing, and business operations
The 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 areasProvides advanced analysis and / or specialized reporting to support business partners, functional areas or centers of expertiseResearch, review and maintain expertise on banking regulations and laws, banking policies and procedures, and consumer protection lawsActs 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 businessCreates training content and may train business partners on regulatory requirementsAdvises the business with respect to the implementation of new and amended regulatory requirementsIndependently reviews and utilizes discretion, judgement and specialized expertise in approving the documentation for business line use : disclosures; forms; customer-facing correspondence; operating procedures; and policiesIndependently performs targeted and periodic monitoring of business activities for compliance with regulatory requirements and regulator expectationIdentifies and communicates areas of non-compliance and / or material control weaknessesResponsible for the oversight of business partners' remediation of regulatory issues, including exercising discretion and independent judgment in reviewing and approving remediation action plansResponsible for assessing regulatory risk associated with new products, services and other initiatives that have significant operational or financial impactIntegrates the broader organizational context into advice and solutions within the Compliance areaUnderstands the industry, competition and the factors that differentiate the organizationLeads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programsContact for business management, external / internal auditors, dealing with non-routine informationRecommends and implements solutions within own area of responsibilityMay need to coordinate / integrate work with other areas as neededIdentifies and leads problem resolution for complex requirements related issues at all levelsEducation & Experience :
Undergraduate degree or equivalent work experience5+ years of experienceDesired Skills & Experience :
Being part of a team of talent development professionals to deliver an innovative, results-driven US Compliance talent development programParticipating in the talent management review cycle through skills assessments, surveys, interviews, and collaboration with managementCollaborating with internal stakeholders to develop role-specific training pathways and development plansCollaborating with learning partners to manage annual / recurring training schedules and calendarsAssisting in identifying relevant target audiencesPreparing reports and metrics on training outcomesCollecting and reviewing training feedback to improve training programsCustomer Accountabilities :
Assists in the development and implementation of appropriate Compliance policies, processes and controlsFacilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment FrameworkMonitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashionGuides and complements the assigned portfolio in terms of financial, regulatory and risk management requirementsInteracts with control functions within the organizationDevelops analysis and insights, prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various productsShareholder Accountabilities :
Updates business line policies and Compliance Team proceduresAnalyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levelsWorks 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 impactsCoordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterpriseSupports in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programsConducts enterprise wide annual risk assessment for all TD businessesSupports the business lines with compliance / risk controls and periodically evaluates risk mitigation efforts to adjust as risk / department influences changeProtects the interests of the organization identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issuesEmployee / 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 interestProvides thought leadership and or industry knowledge for own area of expertise and participates in knowledge transfer within the team and businessKeeps current on emerging trends / developments and grows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activitiesContributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, 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 workforceActs as a brand ambassador for your business area / function and the bank, both internally and / or