Senior Compliance Business Oversight Manager (US) Commercial Banking and Payment Operations

About the role

The Senior Compliance Business Oversight Manager (US) provides senior-level, independent compliance risk oversight for Commercial Banking and Payment Operations. This role supports the development, implementation, and ongoing enhancement of the regulatory compliance program for these business lines.

Responsibilities

• Leads or supports the development, maintenance, and continuous enhancement of compliance oversight programs designed to identify, assess, manage, monitor, and report regulatory compliance risk for assigned business lines.
• Provides senior-level compliance advice, credible challenge, and effective oversight for business strategies, new initiatives, products, services, operational changes, and issue remediation activities.
• Powers operationalization of compliance requirements, strengthens controls, and supports alignment with enterprise compliance programs and risk appetite.
• Oversees and contributes to compliance risk assessments, regulatory change management, monitoring, testing, issue management, training, reporting, and other core compliance program activities, as applicable.
• Serves as a senior compliance representative on projects, initiatives, and working groups involving complex laws, regulations, business processes, controls, and cross-functional stakeholders.
• Coordinates with Legal, Risk, Audit, Operations, Product, Technology, and other partners to promote effective compliance risk management and sustainable control design.
• Supports regulatory examination, audit, and inquiry responses by helping coordinate materials, develop management responses, and ensure commitments and remediation activities are appropriately tracked.
• Identifies emerging risks, regulatory developments, control gaps, and process improvement opportunities and escalates matters appropriately.
• Helps build team capability by promoting knowledge sharing, developing subject matter expertise, and fostering a collaborative, high-performing team environment.

Requirements

• Bachelor's degree or equivalent work experience in compliance, risk management, legal, audit, regulatory supervision, financial services, or a related discipline.
• 10+ years of related experience in compliance, risk management, legal, audit, regulatory supervision, financial services, or a related discipline.
• Preferred certifications such as CRCM, law degree, regulatory agency experience, or other relevant professional certifications.
• Strong knowledge of U.S. bank regulatory rules applicable to Commercial Banking, Small Business Banking, and Payment Operations.
• Demonstrated experience providing independent compliance oversight, advice, and credible challenge to senior business and control partners.
• Experience leading or contributing to compliance program activities, including risk assessments, regulatory change management, monitoring, testing, issue management, training, governance reporting, and control oversight.
• Strong people leadership skills, including the ability to coach, develop, motivate, and manage employees in a collaborative and accountable environment.
• Proven ability to evaluate complex business processes, identify regulatory compliance risks, assess control effectiveness, and recommend practical, risk-based solutions.
• Demonstrated ability to develop and maintain productive relationships with business partners, control functions, senior management, auditors, and regulators.
• Strong organizational, analytical, and judgment skills, with the ability to manage multiple priorities, drive execution, and escalate issues appropriately.
• Solid understanding of technology, data, systems, and operational processes as they relate to compliance controls and risk oversight.
• Effective influencing, negotiation, and stakeholder management skills, including the ability to operate successfully in a matrixed environment.
• Excellent written and verbal communication skills, including the ability to prepare executive-ready materials and communicate complex regulatory concepts clearly and succinctly.

Qualifications

• Undergraduate degree or equivalent work experience.

Skills

• Regulatory compliance management.
• Business process evaluation.
• Compliance risk assessment.
• Control effectiveness evaluation.
• Complex business issue analysis.
• Interpersonal communication.
• Stakeholder management.

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

$115,440 - $186,160 USD

Schedule

Full-time