Senior Compliance Business Oversight Analyst

About the role

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.

Responsibilities

• 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.
• Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure.

Requirements

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.

Qualifications

• Undergraduate degree or equivalent work experience.
• 5+ years of experience.
• 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.
• 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.
• Proactive, results-oriented, and adaptable “go-getter” mindset.

Skills

• Regulatory knowledge.
• Issue and change management experience.
• Partnering with key stakeholders and business leaders.
• Compliance oversight and independent challenge.
• Change risk assessments and related questionnaires.
• Compliance advisor to business partners.
• Managing and tracking compliance-related issues.
• Supporting regulatory change management efforts.
• Monitoring regulatory complaints, business reports, and key risk indicators.
• Reviewing and validating first-line testing.
• Collaborating with cross-functional teams.

Benefits

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.

Pay

$72,280 - $117,520 USD

Schedule

Largely focused on compliance matters impacting Consumer Banking, ensuring business practices align with applicable federal and state regulatory requirements.