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TD
TD
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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.
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Senior Compliance Business Oversight Analyst

Oversee regulatory risk and compliance controls for TD’s U.S. banking operations, advising business teams and reviewing new initiatives. Support risk assessments, regulatory change, audits, and issue resolution.

USUnited StatesNJNew JerseyNCNorth Carolina
$72,280 – $108,160 / year
On-siteFull-timeSeniorEnglish RequiredCompliance

Description

  • Provide compliance guidance to assigned business lines.
  • Independently oversee and challenge business activities and initiatives with regulatory impact.
  • Assess change risks and complete questionnaires for new business initiatives.
  • Evaluate inherent regulatory risks and mitigations, define launch conditions, and present recommendations to executives for approval.
  • Advise business partners through regular meetings and process reviews.
  • Track compliance issues and manage them through resolution.
  • Support management of regulatory changes arising from new and amended state laws.
  • Monitor regulatory complaints, business reports, and key risk indicators to identify trends, gaps, and compliance risks.
  • Review and validate testing performed by first-line teams.
  • Help map regulatory requirements to business controls.
  • Work across teams to strengthen the compliance framework and reduce risk exposure.
  • Create and implement Compliance policies, processes, and controls.
  • Coordinate periodic Compliance risk assessments and self-assessments.
  • Track assessment completion and communication.
  • Analyze information, develop insights, and prepare management reports.
  • Maintain business-line policies and Compliance Team procedures.
  • Coordinate with business management and internal and external partners on regulatory requests, findings, audits, and examinations.
  • Evaluate emerging compliance issues, trends, and regulatory requirements.
  • Support risk assessment, mitigation, and controls for new products, marketing campaigns, and program expansions.
  • Conduct annual risk assessments across the enterprise.
  • Review mitigation efforts and adjust controls as conditions change.
  • Identify and manage risks, resolving escalated high-risk issues.
  • Share subject-matter guidance and industry knowledge.
  • Contribute to knowledge sharing, mentoring, cross-training, and team development.
  • Keep stakeholders updated on project status and relevant information.

Requirements

  • Bachelor’s degree or equivalent work experience.
  • At least five years of experience.
  • Knowledge of or work experience with consumer banking regulations affecting deposit products and back-office operations, such as Reg E, Reg CC, Reg DD, Reg Z, FCRA, UDAAP, and FDIC 370.
  • Experience with compliance monitoring, testing, or control mapping.
  • Practical experience managing issues and regulatory change.
  • Strong written and verbal communication skills.
  • Ability to advise, influence, and constructively challenge business lines.
  • Ability to present information to key stakeholders.
  • Ability to build relationships across multiple business lines.
  • Proactive, results-focused, and adaptable approach.
  • Ability to work with regulatory reviews, inquiries, audits, and examinations.
  • Ability to conduct advanced analysis and specialized reporting.
  • Ability to identify complex project or program issues and lead their resolution.
  • Ability to read, write, and understand instructions.
  • Ability to perform sedentary work and use standard office equipment.

Benefits

  • Base pay and variable compensation or incentive awards, which may include cash and/or equity awards.
  • Health and well-being benefits.
  • Savings and retirement programs.
  • Paid leave, including Vacation PTO, Flex PTO, and Holiday PTO.
  • Banking benefits and discounts.
  • Career development opportunities.
  • Reward and recognition programs.
  • Regular discussions about career growth, development, and performance.
  • Access to an online learning platform.
  • Mentoring programs.
  • Training and onboarding sessions.
  • Competitive benefits plan.
  • Occasional domestic travel.