Compliance Oversight Manager - Real Estate Secured Servicing

Compliance Business Oversight Manager

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 will thrive in a fast-paced 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 mindsetsomeone 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.

This position plays a critical role in ensuring adherence to regulatory requirements such as Regulations X, Z, SCRA, FCRA and FDPA and other regulations applicable to Performing Loan Servicing. The individual will lead and coordinate compliance-related initiatives, manage regulatory exams, and collaborate cross-functionally to support business partners. Strong communication and reporting capabilities, along with subject matter expertise in consumer lending regulations, are essential.

The Compliance Business Oversight Manager provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction.

Depth & Scope:

• Works independently and is accountable for managing a specialized Compliance function or area
• Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise
• Provides guidance and support to analysts on matters related to portfolio and specialty
• Typically a subject matter expert for a key functional Compliance area and business
• Contact for business management, dealing with non-routine information
• Manages/assists with regulatory reviews including inquiries, audits, and exams
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

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

Desired Skills & Experience:

• 5+ years of Mortgage servicing experience, either in the business or related risk functions
• 3rd party oversight experience
• Strong understanding of consumer protection regulations including Reg Z, Reg X, FDPA and SCRA.
• Demonstrated knowledge and experience with mortgage servicing and auto lending originations or servicing
• Excellent verbal and written communication skills, including executive-level reporting and presentation development.
• Proficiency in Microsoft PowerPoint and basic Excel
• Experience in compliance project work and cross-functional initiatives.
• Independent thinker with sound judgment and the ability to challenge effectively.
• CRCM a plus.

Customer Accountabilities:

• 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

Shareholder Accountabilities:

• 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

Employee/Team Accountabilities:

• 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

Physical Requirements:

• 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