Compliance Manager (US)

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$86,840 - $139,360 USD

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. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. 

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line Of Business:

Compliance

Job Description:

Why Work with Us?

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact – both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization.

The Ideal Candidate

The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank’s size, complexity, and risk profile. In this role, you’ll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise, we’re looking for someone with an entrepreneurial mindset—someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.

Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you’ll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

The Compliance Manager manages assigned compliance functions for the Company and supports the development, implementation, and maintenance of a regulatory compliance program through compliance activities across various lines of business, banking offices, and operating departments. The Compliance Manager Interacts with senior management in assigned areas, developing, revising, and implementing policies and procedures to ensure compliance with applicable laws and regulations. The job employs various software applications and desktop tools to consolidate reported data and analyze information to detect potential compliance issues and concerns. The Compliance Manager manages assigned specialists (as applicable) by coordinating activities and providing coaching and counseling as needed. The Compliance Manager supports the Chief Compliance Officer (CCO) in ensuring the Bank's compliance with all applicable federal rules and regulations.

The Compliance Governance & Operations Manager leads the development and implementation (or lead support) of enterprise Compliance programs, including frameworks, policies, standards and development of procedures, awareness and specialized training, monitoring, reporting and information, escalation of issues and events.

Job Description

Reporting to the Senior Manager, Global Regulatory Change & Library Governance, the Compliance Business Oversight Manager will support the Global Regulatory Inventory Governance program, including associated technology and processes.

The main focus of the role will be the facilitation of enterprise-wide oversight and governance of the global regulatory inventory process, ensuring that all Laws, Rules and Regulations (LRRs) are reasonably accurate and complete. To that end, the incumbent will work with Oversight Functions (designated Regulatory Compliance Management accountability for areas of LRRs and Risk Owners (own and operate controls to mitigate LRR risk) across TD.

This is an exciting opportunity for individuals with expertise in the field of governance, risk, and controls. Specific accountabilities include the following:

• Perform ongoing execution of the MERLIN Regulatory Inventory feeds and manual process for sustainability of the Regulatory Inventory.
• Establish strong working relationship with TD Technology team and third-party data provider to collaborate on activities to ensure that MERLIN Regulatory Inventory is accurate.
• Establish strong relationships with Regulatory Change Leads and Oversight Functions, acting as a primary contact for updates to TD's Regulatory Inventory.
• Perform oversight and reconciliation against regulatory inventory for manual intake items, and execution of manual updates to inventory.
• Perform review of large data sets and leverage business intelligence tools to drive analysis and insight.
• Monitor and report on compliance with the RCM Regulatory Inventory and Control Standard.
• Identify and propose improvements to the process, opportunities to automate and streamline, and participate in improvements implementation.
• Oversee and report issues associated with the Regulatory Inventory and Third-Party automated regulatory feeds.
• Develop and deliver specialized/ad hoc training, as required.
• Support testing engagements from Internal Audit, Compliance Quality Assurance, and others.

Department Overview

The Global Compliance Department is responsible for overseeing Regulatory Compliance across TDBG in accordance with the Global Compliance Department Mandate, Framework and Standards. This includes independently assessing the adequacy, adherence and effectiveness of regulatory compliance management programs and controls in the business. The department also delivers objective guidance and independent challenge to the business, proactively managing regulatory change and providing trusted and reliable reporting, advice and opinion to senior leadership and the Board on the state of regulatory compliance risks, controls, and outcomes.

As part of the Global Regulatory Change and Inventory Governance (GRICG), the team provides day-to-day support to MERLIN Regulatory Inventory.  As a second line of defense, GRICG Team is responsible for the oversight and monitoring of TD Regulatory Inventory Feeds; governing the processes to support the reasonable accuracy and completeness of the Regulatory Inventory; driving a consistent, adaptable, and effective program across Oversight Functions and Risk Owners; overseeing adherence to the RCM Regulatory Inventory & Control Standard.

Job Requirements

• Good understanding of Compliance processes and regulatory environment, including how various LRRs may be structured and Oversight Functions with RCM accountability
• Knowledge of relevant legislation, regulations, and industry standards, as it applies to Banking, Securities, Insurance, Prudential, Finance, HR, etc.    
• Experience with coordination of processes involving multiple groups and stakeholders, ensuring that activities are completed timely and efficiently
• Perform reconciliation against regulatory library for manual intake items, and execution of manual updates to library.
• Experience analyzing large data sets and leveraging business intelligence tools to drive analysis and insights
• Experience with implementation of process improvements – understanding of technology implementation lifecycle, ability to articulate business requirement for Technology
• Strong analytical and problem-solving skills with strong attention to detail to drive problem framing and solutioning
• Able to breakdown and describe technical concepts in business terms and frame questions in the correct context for the audience
• Ability to work independently, think critically and make decisions
• Ability to manage high volumes of work in a fast-paced environment and manage multiple priorities
• Highly organized and flexible in prioritizing various work demands
• Able to work collaborative and as part of a team
• Ability to influence people and deal with conflicting points of view
• Ability to deal with all levels of staff within the enterprise
• Strong verbal and written communication skills
• Well-developed organizational awareness and business acumen
• Strong relationship management skills
• Able to accept and manage conflicting points of view and work collaboratively
• Ability to think "out of the box" to effect creative and responsive solutions

The above details are specific to the role which is outlined in the general description below. Please review the Desired Skills and Experience section below as you consider this opportunity.

Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.

Scope:

• Manages the performance of independent compliance reviews that measure adherence to federal and state law regulatory requirements impacting business lines, as well as compliance reviews of compliance units (CUs) within Compliance Risk Management (CRM) to ensure compliance with CRM mandates and CRM/CU internal policies and procedures
• Designs and ensures execution of risk-based compliance reviews and ensures work is performed in accordance with Compliance Process Certification methodology and consistent with Compliance Risk Managements objectives and standards
• Serves as initial reviewer/approver of assigned business line self-monitoring work papers
• Identifies and analyzes issues to determine root causes
• Conducts regulatory research that may involve internal or outside counsel or third party assistance
• Stays current on regulatory changes, and changes to CRM mandates and internal policies and procedures to understand impact and ensure compliance review procedures are updated as appropriate
• Works closely with management of other areas within Compliance Risk Management as well as routinely interacts and maintains highly effective partnerships with line of business management and staff
• Prepares reports of findings and presents to senior compliance and business line management, as well as heads of compliance units as applicable
• Provides assistance, support and management of other projects as assigned
• May serve as primacy compliance contact and coordinates the compliance function for assigned line of business through the development and monitoring of compliance programs within the larger compliance framework developed
• Manages vendor management process for any vendors utilized by assigned team
• Oversees the planning, creation and maintenance of Corporate compliance database(s) to collect, manage and report information required by management
• May lead a team of specialists
• Oversees the performance of specialized programming tasks requiring technical proficiency in such areas as database programming languages, process automation, and HTML programming
• May manage the resolution of compliance-related problems encountered by various areas of the Company as related to the most critical laws and regulations
• Serves as final reviewer of RIMS and implementation documentation (except BLMs)
• Assists in the review of conversion/merger issues and develops any notices and/or disclosures necessitated by the conversion/merger

Education & Experience:

• Undergraduate degree or equivalent work experience
• 7+ years of experience

Preferred Skills:

• University degree, Law degree (JD or LLB) preferred
• Relevant professional designations and/or certifications as required
• 7+ years relevant experience

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional

• Sitting – Continuous

• Standing – Occasional

• Walking – Occasional

• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never

• Squatting – Occasional

• Bending – Occasional

• Kneeling – Never

• Crawling – Never

• Climbing – Never

• Reaching overhead – Never
• Reaching forward – Occasional

• Pushing – Never

• Pulling – Never

• Twisting – Never

• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

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Who We Are:
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. 

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

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.