Senior Manager, Compliance Business Oversight (US)

TD Bank, N.A.

United States

On-site

USD 115,000 - 186,000

Full time

14 days+

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Job summary

TD Bank US Compliance in Mount Laurel, New Jersey is seeking a Senior Manager, Compliance Business Oversight to lead a team of compliance professionals and develop and maintain all aspects of TD’s compliance programs for assigned businesses and legal entities.

The role emphasizes regulatory oversight, risk management, and practical, risk-based solutions in a complex financial services environment, partnering with business leaders, operations, and legal.

Qualifications

Undergraduate degree or equivalent work experience.
10+ years of experience in compliance, regulatory, or banking.
Bachelor’s degree in Business, Finance, Risk Management, Law, or related field.
7+ years of progressive compliance, operational risk, regulatory, or banking experience.
Experience leading complex compliance programs.

Responsibilities

Lead and oversee compliance programs related to regulatory requirements across multiple functions.
Monitor regulatory developments and drive implementation of required changes.
Ensure policies, controls, and governance remain compliant and effective.
Provide subject matter expertise and credible challenge to business partners on regulatory matters.
Identify, assess, and mitigate compliance risks in operational processes.
Oversee control design, testing, and remediation activities.
Review responses to examinations, audits, and internal assessments.
Provide oversight of KYC Operations and servicing regulatory obligations.
Coach and develop a team of compliance professionals.
Present issues and program performance to senior management.

Job description

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

Pay Details:

$115,440 - $186,160 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:

Compliance

Job Description:

Why Work with Us?

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 Manager is responsible for leading regulatory compliance oversight and operational execution across multiple critical banking functions, including FDIC Part 330 and Part 370 compliance, Know Your Customer (KYC) Operations, Auto Finance Servicing, Regulatory Statement Distribution, and Credit Reporting Compliance. This role serves as a key partner to business leaders, operations teams, and legal to ensure adherence to regulatory requirements, effective control execution, and sustainable compliance practices.

The successful candidate will possess deep regulatory knowledge, strong leadership capabilities, and a proven ability to build high-performing teams while driving practical, risk-based solutions in a complex financial services environment.

Key Responsibilities:

Regulatory Compliance Oversight

Lead and oversee compliance programs related to:
Monitor regulatory developments, assess business impacts, and drive implementation of required changes.
Ensure policies, procedures, controls, and governance frameworks remain compliant and effective.
Provide subject matter expertise and credible challenge to business partners on regulatory compliance matters.

Risk Management & Controls

Identify, assess, and mitigate compliance risks associated with operational processes and customer-facing activities.
Oversee control design, testing, issue management, and remediation activities.
Review responses to regulatory examinations, compliance reviews, audit engagements, and internal assessments.
Monitor risk indicators, compliance metrics, and emerging risks; elevate concerns appropriately.

Operational Leadership

Provide oversight of KYC Operations and compliance-related operational processes.
Partner with Auto Finance Servicing leaders to ensure regulatory requirements are effectively incorporated into servicing activities.
Ensure timely and accurate execution of regulatory statement distribution and customer notification obligations.
Drive process improvement initiatives that enhance efficiency while maintaining strong regulatory compliance.

Team Leadership & Development

Coach and develop a team of compliance professionals.
Foster a collaborative, accountable, and high-performing culture.
Build strong partnerships across Compliance, Operations, and Business Line leadership.
Promote a solution-oriented approach that balances regulatory expectations with business objectives.

Stakeholder Engagement

Present compliance issues, emerging risks, and program performance to senior management.
Influence decision-making through clear communication and practical recommendations.
Act as a trusted advisor to business leaders regarding regulatory requirements and compliance risk management.

_ ***The above details are specific to the role which is outlined in the general description below. Please review the Preferred skills below as you consider this opportunity. _

Job Summary:

The Senior Manager, Compliance Business Oversight manages and leads a team of Compliance professionals and is responsible to develop and maintain all aspects of Compliance programs for TD businesses/functions and legal entities as assigned.

Depth & Scope:

Provides people management leadership by hiring the appropriate and qualified talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
Oversees and leads a highly complex and diverse Compliance function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results
Maintains highly specialized expertise and in depth knowledge to manage Compliance programs for multiple, significant complex businesses, functional areas and/or global business lines
Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise
Manages and oversees the overall discipline and strategy for the Compliance area while aligning to the enterprise best practices
Position typically deals with senior/executive management
Key contact for business management, regulators and external/internal auditors, dealing with a broad range of issues including non-routine information
Focuses on longer-range planning for functional area (e.g. 12 months or greater)
May manage and prioritize multiple projects at a given time
Acts as highest point of team escalation for resolution and provides direction to resolve issues or elevate

Education & Experience:

Undergraduate degree or equivalent work experience
10+ years of experience

Preferred Skills:

Bachelor’s degree in Business, Finance, Risk Management, Law, or a related field.
7+ years of progressive compliance, operational risk, regulatory, or banking experience.
Strong knowledge of:
Experience leading complex compliance programs and regulatory initiatives.
Experience managing teams and developing employees.
Strong analytical, problem-solving, and issue management skills.
Excellent written and verbal communication skills, including executive-level presentations.
Experience within a large, complex financial institution (a plus).
Certified Regulatory Compliance Manager (CRCM) designation (a plus).
Knowledge of Auto Finance servicing regulations and operational processes (a plus).
Experience working with regulatory examinations, audits, and remediation programs (a plus).
Familiarity with enterprise risk management and compliance governance frameworks (a plus).

Customer Accountabilities:

Leads, coaches and manages a high performing team on delivery of Compliance programs
Determines and decides policy and/or action based on internal and external industry developments for Compliance Programs
Proactively reviews and advises the business of new and changed Compliance regulatory and/or policy changes
Contributes to the development and implementation of Compliance programs related to all aspects of Compliance laws
Works with executive team, senior business unit management/partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory compliance requirements
Ensures team collaboration with partners on business problems/issues and provides fact-based analytical advice that aligns to strategy and addresses business regulatory requirements and issues
Reviews and/or contributes on the development and presentation of analysis and insights back to executive leaders/business partners to drive strategic improvements and address regulatory requirements and issues
Engages with business partners and business leaders to determine and implement Compliance strategies and directs the compliance culture
Provides insight, guidance, and recommendation on Compliance subject matter, regulatory and industry issues and acts as a specialized resource to other departments based on subject matter expertise
Provides explanation and/or resolution for business/Compliance management based findings
Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate
Manages day to day operations of the department and participates in enterprise wide projects
Advises on day-to-day Compliance matters affecting the business including, but not limited to, customer identification and due diligence, enhanced due diligence, training and compliance testing
Delivers relevant subject matter expertise and Compliance advice to business management
Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis

Shareholder Accountabilities:

Actively assists in developing and overseeing implementation of business line policies and Compliance procedures, policies, and standards
Works closely with leaders to develop and operationalize the business plan and deliver on Compliance programs across the enterprise
Plans and executes on strategic activities, reviews and communicates results, and adjusts priorities accordingly
Proactively identifies key business opportunities, researches and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement
Understands TDBG issues/parameters and guides others to protect the reputation and interest of TD by adhering to operating standards and processes related to Compliance
Coordinates and supports team and business Compliance related activities as necessary
Partners with the governance & assurance function to develop various training and awareness programs
Provides oversight on enterprise wide annual risk assessment process as required
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high risk transactions/activities as necessary
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Oversees that employees are building and enhancing their knowledge and expertise; and employees assume responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct

Employee/Team Accountabilities:

Responsible for management of the overall team providing both leadership and guidance
Sets targets/objectives for the team, and delivers results
Contributes to the development of business line and/or enterprise functional strategic priorities within their operational area or field of specialty
Grows team expertise to align with business/enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered
Leads a high performing team; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees
Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner
Provides thought leadership and/or industry knowledge and participates in knowledge transfer within the team and business
Manages employees in compliance with all human resources policies, procedures and guidelines of conduct
Shares knowledge, information, skills, and subject matter expertise among the team and promotes the timely communication of issues and encourages good working relationships with other functions and teams
Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes
Recruits for all hires to promote a highly diverse, qualified workforce to achieve business objectives
Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally