Senior Auditor (US) - Compliance

TD; Arundel (DE); On-site; USD 65,000 - 97,000; Full time

Job summary

The Senior Auditor at TD in Wilmington, DE performs and documents audit test steps for assigned audits, with focus on critical areas and regulatory compliance. You will lead audit engagements under established plans, assess control design, and provide on-the-job training to staff auditors.

You will work within the US Consumer Compliance team, auditing regulations like UDAAP, TILA, HMDA, RESPA, EFTA, and related processes to ensure robust controls and high-quality workpapers and reporting.

Qualifications

• Undergraduate degree required.
• CIA/CPA/CRMA or progress toward preferred.
• Strong communication (written and verbal) skills.
• Ability to work independently and in a team.

Responsibilities

• Perform and document audit steps for assigned audits, focusing on critical areas.
• Lead audit engagements and provide on-the-job training to staff auditors.
• Evaluate design and operating effectiveness of controls and prepare high-quality workpapers and reports.
• Communicate findings effectively to stakeholders and audit leadership.

Skills

Communication

Analytical thinking

Problem solving

Teamwork

Microsoft Office

Education

Undergraduate degree

Professional certifications (CIA, CPA, CRMA) or progress towards

Tools

Microsoft Office Suite

Job description

Work Location:Wilmington, Delaware, United States of AmericaHours:40Pay Details:$64,820.00 - 97,220.00 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:AuditJob Description:The Senior Auditor is responsible to perform and document audit test steps for assigned audits and is generally focused on more critical areas of the audit. The Senior Auditor participates in some aspects of planning of audits and may lead less complex audits/projects. They independently assess control design and operating effectiveness during audits, and provides on the job training for staff auditors.The Senior Auditor – U.S. Compliance Audit is responsible for executing and leading audit engagements based on established audit plans in alignment with applicable policies and regulatory guidelines for TD Bank's Governance, Risk & Oversight Functions. The US Consumer Compliance team is primarily responsible for auditing US Consumer Compliance regulations (including but not limited to UDAAP, TILA, HMDA, RESPA, EFTA, etc.) and sufficiency of systems, processes, and oversight to support regulatory compliance. This role supports audit engagements through evaluating , documenting, and testing the design and operating effectiveness of internal controls under manager guidance. The Senior Auditor is responsible for execution of control testing, identification of findings, and delivery of high-quality audit workpapers and reporting.Depth & Scope:Experienced audit professional role providing guidance / assistance to function supportedRequires sound audit or business conceptual knowledgeIndependently performs tasks from end to end as assignedAbility to process and handle confidential information with discretionEducation & Experience:Undergraduate degree required3+ years of relevant experiencePreferred Qualifications:Banking industry audit experience with focus on Governance, Risk & Oversight Function preferredRelevant professional certifications (e.g., CIA, CPA, CRMA) or progress towards preferredStrong communication (written and verbal) skills to interact clearly and effectively in a fast-changing environmentStrong analytical and problem-solving skillsAbility to work independently and collaboratively in a team environmentProficient in Microsoft Office Suite (Excel, Word, PowerPoint) and experience with risk management and audit toolsCustomer Accountabilities:Conducts audit work based on established audit plans and executes the audit in accordance with established standards ensuring completionExecutes testing of controls such as but not limited to walkthroughs (documentation), test scripts (development and execution), and issue identificationHelps coordinate communication with the stakeholders throughout the audit processSupports the team in reviewing internal controls and sharing findings and suggestions with both the stakeholders and audit leadershipExecutes follow-up of findings raised from regulatory and internal divisional audits in accordance with firm policyProvides input to audit projects/initiatives as a representative for area of specializationShareholder Accountabilities:Adheres to internal policies / procedures, enterprise frameworks and methodologies and applicable regulatory guidelines, contributes to the review of internal processes and activities and assist in identifying control weaknesses/failures, potential opportunities to improve operational efficiencies for own business areaMay develop and provide complex reporting, analysis, and assessments at the functional or enterprise levelPrioritizes and manages own workload to deliver quality results and meet assigned timelinesKeeps current on emerging trends / developments and grows knowledge of the business, analytical tools and techniques and applies them where appropriateAssists in preparing and sharing audit findings and presentation materials with management and broader audiences, helping ensure clear and effective communication throughout the audit processAssesses / identifies key issues and escalates to appropriate levels and relevant stakeholders where requiredContributes to the analysis, due diligence and implementation of initiatives within defined area of responsibilityEmployee/Team Accountabilities:Continuously enhances knowledge / expertise in own areaSupports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues / points of interestIdentifies and recommends opportunities to enhance productivity, effectiveness and operational efficiencyEstablishes effective relationships across multiple businessesParticipates in knowledge transfer within the team and business unitsWorks to achieve individual goals and support other team members in the achievement of team goals and divisional objectivesPhysical 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.#LI-AMCBCorporate#IN-AMCBCorporateWho 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.