Home Mortgage Disclosure Act (HMDA) Data Integrity Testing Specialist Fair Banking Compliance

Business Insights Specialist

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.

The TD Bank Fair Banking & Compliance Analytics Team is seeking a skilled professional to perform complex data integrity reviews within deadlines to ensure the accuracy and completeness of Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR) data prior to annual filing to the Consumer Financial Protection Bureau (CFPB). You will leverage your HMDA background to produce accurate reporting of findings identified in data integrity reviews which are provided to Senior Management across Business and Compliance Teams. Additionally, you will provide HMDA compliance support to Residential Lending, Small Business & Commercial, and / or Capital Market business lines and partner with the Compliance Unit Advisory teams to present objective guidance to the business lines promoting strong Compliance controls and processes that are in effect to mitigate inherent associated risk. Additional responsibilities will include assisting in response to periodic examinations by regulatory agencies and internal audit, ad-hoc requests related to the HMDA LAR, business specific inquiries and reviewing policies, procedures, and other business line documents to ensure compliance with regulatory requirements.

The Business Insights Specialist is responsible for conducting analyses on curated and / or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and / or presentations.

Depth & Scope :

• Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others
• Provides seasoned specialized knowledge, advice and / or guidance to various stakeholders and team members
• Scope of role may have enterprise impact
• Focuses on short to medium - term issues (e.g. 6-12 months)
• Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and / or the integration of cross functional processes within own area of expertise
• Oversees and / or independently performs tasks from end-to-end
• May interact with any hierarchy level up to executive leaders and external vendors

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