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About the Role

The Compliance Business Oversight Manager is responsible for providing independent second-line oversight of credit card products and servicing activities to ensure alignment with applicable consumer protection laws, regulatory expectations, and internal risk frameworks. This role is focused on identifying, assessing, and monitoring compliance risks across the full credit card life cycle. Success requires a deep understanding of regulatory expectations, strong analytical capabilities, and the ability to influence stakeholders.

Responsibilities

Serve as primary 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.
Lead 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.
Support control mapping to ensure regulatory requirements are linked to effective business controls.
Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure.
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.
Actively assists in developing Compliance Team procedures.
Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment Framework.
Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion.
Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate.
May provide review and content in the development of annual awareness training.
Manages the risk assessment process for assigned businesses.
Protects the interests of the organization, our customers and our communities – identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues.
Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience.
Actively manages relationships within and across various business lines, corporate and/or control functions and promotes alignment with enterprise and/or regulatory requirements.
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts.
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and promotes timely communication of issues/points of interest.
Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business.
Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques.
Participates in personal performance management and development activities, including cross training within own team.
Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities.
Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships.
Contributes to a fair, positive and equitable environment that supports a diverse workforce.
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally.

Requirements

Undergraduate degree or equivalent work experience
7+ years of experience
Must Have strong Credit Card work experience in the industry.
Must Have strong law and regulation expertise.
Proven ability to provide timely Compliance guidance for change initiatives, oversee compliance-related project execution and third-party relationships, and partner with senior leadership on regulatory risk and compliance matters.
Experience in Internal Audit, Regulatory Compliance Testing, or as financial examiners with direct responsibility for assessing consumer compliance regulations are often well-positioned to demonstrate the skills and competencies required for this role.
Experience in complaint monitoring, with the ability to identify trends, assess regulatory risk (e.g., UDAAP, Regulation Z, FCRA), and translate insights into meaningful risk identification would be a plus.
Strong written and communication skills.
Proactive, results-oriented, and adaptable “go-getter” mindset.

Skills

Credit Card Regulations
Consumer Protection Laws
Regulation Z
UDAAP Standards
Fair Credit Reporting Act (FCRA)
Equal Credit Opportunity Act (ECOA/Regulation B)
SCRA
MLA
Risk Management
Analytical Capabilities
Stakeholder Influence
Legal Collaboration
Risk Collaboration
Audit Collaboration
Business Operations Collaboration
Change Risk Assessment
Issue Management
Regulatory Change Management
Complaint Monitoring
Internal Audit
Regulatory Compliance Testing
Financial Examination
Written Communication
Verbal Communication
Project Management
Third-Party Relationship Management

Location

Mount Laurel, New Jersey, United States of America

Work Type

Full-time

Experience Level

7+ years of experience

Education Level

Undergraduate degree or equivalent work experience

Salary/Compensations

$91,000 - $145,600 USD

Benefits

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
Reward and recognition
Training programs
Online learning platform
Mentoring programs

About the Company

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores.
Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world.
More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience.
TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing.
Together, we are reimagining what banking can be for our clients, colleagues and communities.

Equal Opportunity

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.