Senior Compliance Business Oversight Analyst (US)

TD Bank Group; Mount Laurel Township, Northern (NJ, KY); Hybrid; USD 72,000 - 108,000; Full time

Job summary

TD Bank US Compliance seeks a Senior Compliance Business Oversight Analyst to provide oversight and guidance across assigned portfolios, ensuring regulatory alignment and strong controls.

The role involves change risk assessments, regulatory change management, and ongoing collaboration with cross-functional teams to drive a resilient compliance program within the bank.

Qualifications

• Undergraduate degree or equivalent work experience.
• 5+ years of compliance experience in banking or financial services.
• Experience with consumer banking regulations is preferred.

Responsibilities

• Provide oversight and independent challenge on business activities with regulatory impact.
• Lead change risk assessments and regulatory change management for new initiatives.
• Monitor regulatory complaints, risk indicators and identify trends.
• Review first-line testing and ensure gaps meet regulatory expectations.
• Collaborate across functions to strengthen the compliance framework.

Skills

Reg E

Reg CC

Reg DD

Reg Z

FCRA

UDAAP

FDIC 370

Consumer banking regs

Education

Undergraduate degree

Job description

## Senior Compliance Business Oversight Analyst (US)Apply: Onsite: Remote Mount Laurel (NJ): Charlotte, North Carolina: Full time: Posted Today: End Date: October 17, 2026 (3 days left to apply): R\\_1516024**Work Location:**Mount Laurel, New Jersey, United States of America**Hours:**0**Pay Details:**$72,280 - $108,160 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:**Compliance**Job Description:**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 is not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization. The **Compliance Business Oversight Sr. Analyst** provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction. **Key Responsibilities:*** Serve as compliance support for assigned business lines, providing oversight and independent challenge on business activities and initiatives with regulatory impact.* Complete change risk assessments and related questionnaires for new business initiatives, performing review and challenge of inherent regulatory risks, mitigations and outlining conditions to launch; as well as presentation to executives for approval.* Serve as a compliance advisor to business partners through regular meetings and process reviews.* Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.* Support regulatory change management efforts for new and updated state laws, ensuring effective business adoption and compliance.* Monitor regulatory complaints, business reports, and key risk indicators to identify trends, gaps, and potential compliance risks.* Review and validate first-line testing to ensure gaps are addressed and aligned with regulatory expectations.* Support control mapping to ensure regulatory requirements are linked to effective business controls.* Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposureThe 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:*** Works independently and is accountable for managing a specialized Compliance function or area* Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates* Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise* Provides guidance and support to analysts on matters related to portfolio and specialty* Typically, a subject matter expert for a key functional Compliance area and business* Contact for business management, dealing with non-routine information* Manages/assists with regulatory reviews including inquiries, audits, and exams* Identifies and leads problem resolution for project/program complex requirements related issues at all levels **Education & Experience:*** Undergraduate degree or equivalent work experience* 5+ years of experience **Preferred Skills:*** **Knowledge/work experience of consumer banking regulations, specifically as they impact Deposit Products and Backoffice Operations, including Reg E, Reg CC, Reg DD, Reg Z, FCRA, UDAAP, FDIC 370, etc.*** **Experience in compliance monitoring, testing, and/or control mapping.*** **Hands-on experience in issue management and regulatory change management.*** **Strong written and verbal communication skills with the ability to consult, influence, and provide constructive challenge to the business lines.*** **Ability to present information to key stakeholders.*** **Relationship-building skills with the ability to work across multiple business lines.*** **Proactive, results-oriented, and adaptable “go-getter” mindset.Customer Accountabilities:*** Assists in the development and implementation of appropriate Compliance policies, processes and controls* Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD’s Enterprise Compliance Risk Assessment Framework* Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion* Guides and complements the assigned portfolio in terms of financial, regulatory and risk management requirements* Interacts with control functions within the organization* Develops analysis and insights, prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products **Shareholder Accountabilities:*** Updates business line policies and Compliance Team procedures* Analyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levels* Works 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 impacts* Coordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise* Supports in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs* Conducts enterprise wide annual risk assessment for all TD businesses* Supports the business lines with compliance/risk controls and periodically evaluates risk mitigation efforts to adjust as risk/department influences change* Protects the interests of the organization – identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues **Employee/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 interest* Provides thought leadership and or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business* Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques* Participates in personal performance management and development activities, including cross training within own team* Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities* Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices* Leads, 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 workforce* Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally **Physical Requirements:**Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%* Domestic Travel – Occasional* International Travel – Never* Performing sedentary work – Continuous* Performing multiple tasks – Continuous* Operating standard office equipment - Continuous* Responding quickly to sounds – Occasional* Sitting – Continuous* Standing – Occasional* Walking – Occasional* Moving safely in confined spaces – Occasional* Lifting/Carrying (under 25 lbs.) – Occasional* Lifting/Carrying (over 25 lbs.) – Never* Squatting – Occasional* Bending – Occasional* Kneeling – Never* Crawling – Never* Climbing – Never* Reaching overhead – Never* Reaching forward – Occasional* Pushing – Never* Pulling – Never* Twisting – Never* Concentrating for long periods of time – Continuous* Applying common sense to deal with problems involving standardized situations – Continuous* Reading, writing and comprehending instructions – Continuous* Adding, subtracting, multiplying and dividing – Continuous The 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.