TD is a major North American bank serving individuals, businesses, and institutional clients through personal and business banking, insurance, wealth management, and securities services. Its broad operating model supports career opportunities across banking and finance, with roles spanning different regions and areas of expertise. TD also emphasizes sustainability, diversity, equity, inclusion, and community impact, shaping a workplace culture centered on care, respect, and employee growth.
Compliance Business Oversight Manager, Consumer Banking – TD | Charlotte Onsite
Lead compliance oversight for TD’s Consumer Banking and Retail Distribution businesses in Charlotte. Advise business leaders, manage regulatory change, and strengthen compliance controls and risk management.
Description
- Oversee compliance risk management, advisory support, and effective challenge for Retail Distribution
- Coordinate engagement between supported business lines and other Compliance functions
- Provide primary Compliance support and independent challenge for regulated activities and business initiatives
- Serve as a subject matter expert on applicable regulatory laws, rules, and guidance
- Monitor business activity through issue management, compliance monitoring, and testing
- Participate in Compliance forums, committees, and recurring business meetings
- Assess and challenge regulatory risks and mitigations for material changes and new initiatives
- Define launch conditions and present initiatives to executives for approval
- Track compliance issues through resolution within required timeframes
- Lead regulatory change management for new and amended state laws
- Analyze complaints, business reports, and key risk indicators to identify emerging trends and risks
- Review and validate first-line testing results
- Support control mapping between regulatory obligations and effective business controls
- Partner with cross-functional teams to strengthen the compliance framework and reduce risk exposure
- Advise business partners on new or revised regulatory and policy requirements
- Develop and implement Compliance programs
- Create summaries, presentations, briefing notes, and other compliance reports
- Represent Compliance on internal and external committees
- Perform functional and enterprise-level analysis and recommend actions
- Oversee high-risk initiatives and escalations
- Facilitate Compliance risk assessments and self-assessment activities
- Track assessment completion and communications
- Conduct internal and external research and support management presentations
- Build and maintain relationships across business lines and control functions
- Monitor emerging issues, trends, and changing regulatory requirements
- Mentor colleagues and support team development
Requirements
- Bachelor’s degree or equivalent professional experience
- At least seven years of relevant experience
- Deep knowledge of consumer banking regulations and guidance affecting Retail Distribution, including sales practices
- Experience with compliance monitoring, testing, and control mapping
- Practical experience managing compliance issues and regulatory change
- Experience evaluating regulatory risk for new products, services, processes, technology, or business initiatives
- Excellent written and verbal communication skills
- Strong presentation skills, including communication with executive audiences
- Ability to build relationships and collaborate across multiple business lines
- Proactive, adaptable, and results-focused approach
- CRCM certification is preferred
- Experience implementing artificial intelligence initiatives in consumer banking is a plus
- Occasional domestic travel is required; international travel is not required
Benefits
- Variable compensation and incentive awards may include cash and/or equity
- 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 opportunities
- Reward and recognition programs
- Regular development, training, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Workplace accommodation assistance