Compliance Business Oversight Manager – Marketing & Data Regulations
| Company | TD Bank |
|---|---|
| Location | Mt Laurel Township, NJ, USA |
| Salary | $86840 – $139360 |
| Type | Full-Time |
| Degrees | Bachelor’s |
| Experience Level | Senior, Expert or higher |
Requirements
- Undergraduate degree or equivalent work experience
- 7+ years of experience
- Strong knowledge of consumer banking regulations, including but not limited to Regulations Z (Truth in Lending), V (Fair Credit Reporting), DD (Truth in Savings), and FDIC requirements
- Familiarity with privacy laws (CAN SPAM, etc.) and data protection standards
- Understanding of Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) regulations
- Experience with compliance testing and monitoring frameworks
- Exposure to regulatory exams and examination processes
- Background in issue management, including identification, resolution, and documentation
- Familiarity in data governance and data-related regulatory compliance
- Awareness of Open Banking principles and frameworks
- Solid understanding of risk management practices, standards, and regulatory expectations
- Awareness of current and emerging trends in the banking regulatory landscape
- Knowledge of AI applications and implications in banking operations a plus
- Experience with Section 1033 of the Dodd-Frank Act (consumer financial data access rights) helpful
- Strong leadership and project management skills, with ability to plan and execute programs effectively
- Proficient in Microsoft Office Suite and other standard business applications
- Excellent oral and written communication skills
- Proven ability to build cross-functional relationships and work collaboratively across teams
- Able to work independently and as part of a team
- Demonstrated sound judgment and decision-making skills
- Strong analytical, organizational, and prioritization skills with the ability to manage multiple deadlines
- High level of discretion and professionalism when handling confidential information
Responsibilities
- 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
- 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
- Proactively advises the business of new and changed Compliance regulatory and/or policy changes
- Formulates relevant and meaningful insights from data analysis and leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to address business regulatory requirements and issues
- Contributes to the development and implementation of Compliance programs
- Guides partner through the development, implementation, oversight and management of effective Compliance Programs
- Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of Compliance
- Represents Compliance on internal or external committees relating to designated business activities as required
- Delivers relevant subject matter expertise and Compliance advice to business management
- Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
- Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis
- Manages high risk initiatives and escalations; leads initiatives/guidance as appropriate
Preferred Qualifications
- Certified Regulatory Compliance Manager (CRCM) or Juris Doctor (JD) a plus