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.
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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 Sr. Compliance Business Oversight Analyst will provide compliance oversight, guidance, and challenge across Deposit Product and/or Backoffice Operations. The position requires regulatory knowledge, issue and change management experience, and the ability to partner with key stakeholders and business leaders to identify risks, remediate gaps, and strengthen compliance controls. The ideal candidate thrives in a fast‑paced environment and brings the ability to operate effectively in a dynamic, evolving landscape. Success in this role requires a balance of hands‑on execution, strong verbal and written communication skills, and the ability to collaborate across Compliance, Risk, and Business partners.
This role will be largely focused on compliance matters impacting Consumer Banking, ensuring business practices align with applicable federal and state regulatory requirements.
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- 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 exposure
The above details are specific to the role which is outlined in the general description below. Please review Preferred skills & experience below as you consider this opportunity.
Job Profile Summary
The Compliance Business Oversight 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.
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:
- Subject Matter Expertise and knowledge 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
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