Head of Retail Internal Quality Controls (US)

TD Bank; Charlotte (NC); On-site; USD 200,000 - 225,000; Full time

Job summary

TD Bank in Charlotte, North Carolina seeks a senior leader to head the Retail Distribution Internal Quality Controls function. This role establishes and oversees the control environment across U.S.

financial centers, ensuring safe, compliant, and well-controlled operations while reducing fraud exposure. You will partner with Retail Distribution, Compliance, Risk Management, and Audit to identify control gaps, implement remediation, and drive a strong culture of accountability in 1100+ locations.

Qualifications

• Bachelor-level or higher education in finance, risk or related field; MBA preferred.
• 12+ years in banking/operational risk, internal controls, or compliance.
• 7+ years leading enterprise-scale control/risk programs.
• Professional certifications such as CRCM, CAMS, CISA, CIA, CRMA are assets.

Responsibilities

• Lead the Retail Distribution Internal Quality Controls function for the U.S. retail network.
• Develop and govern the internal controls framework across all financial centers.
• Strengthen risk management practices and regulatory compliance.
• Provide governance and independent challenge to management across risk functions.
• Drive remediation of control gaps and support audit findings.
• Establish standards, policies and procedures for branch controls.
• Oversee risk identification, monitoring and mitigation across locations.

Skills

Leadership experience

Risk management

Regulatory compliance

Analytical skills

Education

Undergraduate degree or equivalent work experience

Bachelors in Business Administration, Finance, Accounting, Risk Management, Economics

MBA or related advanced degree

Professional risk/compliance certifications (CRCM, CAMS, CISA, CIA, CRMA)

12+ years in banking/operational risk/controls

7+ years leadership in risk/controls programs

Knowledge of retail banking operations, fraud prevention, regulatory requirements

Experience designing internal control frameworks across dispersed operations

Experience remediating audit/regulatory issues

Experience partnering with internal audit, compliance, legal, enterprise risk

Job description

Work Location

Charlotte, North Carolina, United States of America

Hours

40

Pay Details

$200,000 - $225,000 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

Personal & Commercial Banking Job Description:

This role leads the Retail Distribution Internal Quality Controls function for the U.S. retail network, establishing and overseeing the control environment across financial centers to ensure operations are conducted in a safe, compliant, efficient, and well-controlled manner. Accountable for developing and executing the network internal controls strategy, strengthening risk management practices, reducing operational losses and fraud exposure, and driving sustainable regulatory compliance. Partners closely with Retail Distribution, Compliance, Risk Management, and Audit to identify, assess, monitor, and remediate control gaps while fostering a strong culture of accountability and risk awareness across the branch network. Provides independent challenge, governance, and oversight to support the achievement of business objectives while protecting the Bank, its clients, and its reputation.

Depth & Scope

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required


• Leads and oversees the internal controls framework across the retail center network, reviewing financial center activity operates in a safe, compliant, efficient and well controlled manner, protecting the bank and clients from risk


• Accountable for preventing operational losses, reducing fraud risk, strengthen regulatory compliance and drives a strong control culture in 1100+/- locations


• Provides independent challenge and oversight to bank management while partnering across retail distribution, compliance, audit and risk partners


• Develops and implements the branch internal controls strategy aligned to enterprise risk appetite


• Establishes branch control standards, policies and procedures


• Maintains branch control framework, risk taxonomy, and governance routines


• Escalates control matters and works to address the matters to effective resolution


• Oversees control effectiveness across all locations; reviewing and identifying risks and ensures they are remediated


• Identifies, assesses, monitors and mitigates risks in locations/monitoring for all areas of risk


• Ensures financial center adherence to regulations/policies/standards/procedures


• Owns reviewing all high risk transactions; eliminating fraud


• Primary owner of branch audit issues and remediation

Education & Experience

• Undergraduate degree or equivalent work experience required


• Bachelor's degree in Business Administration, Finance, Accounting, Risk Management, Economics, or related field preferred


• Advanced degree (MBA, Master's in Finance, Risk Management, or related discipline) preferred


• Professional certifications such as CRCM, CAMS, CISA, CIA, CRMA, or other risk, compliance, audit, or control-related designation are an asset


• 12+ years of progressive experience in banking, operational risk management, internal controls, compliance, audit, retail banking operations, or related financial services disciplines


• 7+ years of leadership experience managing teams and enterprise-scale control, risk, compliance, or operational excellence programs


• Extensive knowledge of retail banking operations, branch processes, fraud prevention controls, regulatory requirements, and risk management frameworks


• Demonstrated experience designing, implementing, and governing internal control frameworks across geographically dispersed operations


• Proven success identifying and remediating control weaknesses, audit findings, regulatory issues, and operational risks


• Experience partnering with internal audit, compliance, legal, enterprise risk, and business leaders to drive sustainable control outcomes


• Strong understanding of operational risk principles, issue management, root cause analysis, governance, and remediation practices


• Experience establishing key risk indicators, control testing methodologies, and control performance reporting


• Demonstrated ability to influence executive stakeholders, provide effective challenge, and drive accountability without direct authority


• Strong analytical, p