Head of Retail Internal Quality Controls (US)

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

Benefits offered by this job

Total Rewards

Job summary

TD Bank US in Charlotte, NC seeks a senior leader to head the Retail Distribution Internal Quality Controls function. You will establish and oversee the control environment across 1100+ locations, ensuring safe, compliant operations and strengthening risk management.

This role partners with Retail Distribution, Compliance, Risk Management, and Audit to identify gaps, drive remediation, and foster a culture of accountability.

Qualifications

• Bachelor’s degree in Business Administration, Finance, Accounting, Risk Management, Economics or related field.
• Professional certifications such as CRCM, CAMS, CISA, CIA, CRMA are assets.
• 12+ years of progressive experience in banking, operational risk management, internal controls, compliance or audit.
• 7+ years of leadership experience managing teams and enterprise-scale control programs.
• Strong knowledge of retail banking operations, fraud prevention controls, and regulatory requirements.

Responsibilities

• Lead the internal controls framework across the retail center network, ensuring safe, compliant, and well-controlled operations across 1100+ locations.
• Develop and execute the branch internal controls strategy aligned to enterprise risk appetite.
• Partner with Retail Distribution, Compliance, Risk Management, and Audit to identify gaps, assess risks, and remediate control weaknesses.
• Establish branch control standards, policies and procedures; maintain governance routines and risk taxonomy.
• Provide independent challenge and governance to bank management and drive accountability without direct authority.

Skills

Internal controls

Risk management

Regulatory compliance

Leadership

Auditing

Stakeholder management

Communication

Problem solving

Education

Bachelor's degree in Business Administration

Bachelor's degree in Finance

Bachelor's degree in Accounting

Advanced degree (MBA / Risk Management)

Tools

GRC tools

Job description

Work Location:Charlotte, North Carolina, United States of AmericaHours:40Pay Details:$200,000 - $225,000 USDTD 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 BankingJob 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 requiredLeads 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 riskAccountable for preventing operational losses, reducing fraud risk, strengthen regulatory compliance and drives a strong control culture in 1100+/- locationsProvides independent challenge and oversight to bank management while partnering across retail distribution, compliance, audit and risk partnersDevelops and implements the branch internal controls strategy aligned to enterprise risk appetiteEstablishes branch control standards, policies and proceduresMaintains branch control framework, risk taxonomy, and governance routinesEscalates control matters and works to address the matters to effective resolutionOversees control effectiveness across all locations; reviewing and identifying risks and ensures they are remediatedIdentifies, assesses, monitors and mitigates risks in locations/monitoring for all areas of riskEnsures financial center adherence to regulations/policies/standards/proceduresOwns reviewing all high risk transactions; eliminating fraudPrimary owner of branch audit issues and remediationEducation & Experience:Undergraduate degree or equivalent work experience requiredBachelor's degree in Business Administration, Finance, Accounting, Risk Management, Economics, or related field preferredAdvanced degree (MBA, Master's in Finance, Risk Management, or related discipline) preferredProfessional certifications such as CRCM, CAMS, CISA, CIA, CRMA, or other risk, compliance, audit, or control-related designation are an asset12+ years of progressive experience in banking, operational risk management, internal controls, compliance, audit, retail banking operations, or related financial services disciplines7+ years of leadership experience managing teams and enterprise-scale control, risk, compliance, or operational excellence programsExtensive knowledge of retail banking operations, branch processes, fraud prevention controls, regulatory requirements, and risk management frameworksDemonstrated experience designing, implementing, and governing internal control frameworks across geographically dispersed operationsProven success identifying and remediating control weaknesses, audit findings, regulatory issues, and operational risksExperience partnering with internal audit, compliance, legal, enterprise risk, and business leaders to drive sustainable control outcomesStrong understanding of operational risk principles, issue management, root cause analysis, governance, and remediation practicesExperience establishing key risk indicators, control testing methodologies, and control performance reportingDemonstrated ability to influence executive stakeholders, provide effective challenge, and drive accountability without direct authorityStrong analytical, problem-solving, communication, and executive presentation skillsProficiency with risk, controls, governance, and reporting tools used in financial services environmentsPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.Who We Are:TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.Our Total Rewards PackageOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn moreAdditional Information:We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [e-mail] . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.