Sr. Counsel - Credit Cards and Unsecured Lending

Senior Counsel

As part of the Credit Card and Unsecured Lending Legal Team, the Senior Counsel is at the center of helping TD Bank provide banking and financial services that meet our customers' goals.

You will provide oversight, legal advice, and support to TD's US Credit Cards and Unsecured Lending (CCUL) lines of business. You will use your expert judgement to provide solution-oriented legal guidance regarding the bank's consumer lending products, operations, and processes. You will provide end-to-end credit card product legal advisory support for product development, account originations, marketing, and servicing. You will be a trusted advisor to product owners and risk stakeholders.

Depth & Scope:

• May manage paralegal and administrative staff, assigning responsibilities and evaluating results
• Provides leadership, coaching, counseling and guidance to staff
• Supervises external counsel providing advice or other legal services of the Company
• Works closely with General Counsel, department attorneys and external legal counsel on specific legal issues related to the Company's business
• Gives practical support and assistance to contemporaries, junior attorneys and staff
• Volunteers expert advice and experience
• Verifies the information has been understood
• Serves in one or more permanent or ad hoc practice groups or cross-practice teams of attorneys and staff
• Assists in the management of expenditures for external counsel
• Advises lines of business on best practices that help minimize legal and litigation risk
• May assist General Counsel in developing and managing departmental budget for both internal and external legal spend
• Anticipates client needs
• Deals with complex legal issues
• Clearly delivers difficult messages without jeopardizing client relationships
• Gives pragmatic legal opinions with reasons and rationale
• Provides advice in ambiguous situations; identifies and prevents future legal risks
• Identifies and takes action on future opportunities
• Resolves most situations where conflicts arise between the needs and desires of specific business units and the interests of the Company without requiring intervention of more senior attorneys
• Demonstrates highest professional ethical and behavioral standards and complies with all applicable Bar Rules and Codes of Professional Responsibility, and corporate ethical and behavioral standards
• Participates in special projects and performs additional duties as required

Education & Experience:

• Bachelors degree required
• J.D. from an Accredited Law School required
• 10+ Years of related experience
• Strong knowledge of at least one area of law relating to banking/financial services operations and issues
• Integrity and high moral standards
• Strong negotiation and conflict resolution skills
• Strong legal and analysis skills
• Detail oriented
• Must be able to apply legal knowledge to the business
• Ability to exercise sound judgment
• Strong interpersonal skills
• Excellent oral and written communication skills
• Strong teamwork and client skills
• Highly motivated
• Ability to provide difficult, complex and unwelcomed legal advice credibly and convincingly to management
• Strong technology aptitude including i) proficiency with standard office software and ability to learn and apply new technologies in work environment and ii) capacity to understand current and emerging technologies in the industry and how they affect business objectives
• Ability to identify problems and barriers, and effectively implement solutions to advance business strategy
• Operates with creativity and innovation; seeks different perspectives and new ideas
• Ability to work in a fast-paced environment and manage multiple deadlines and priorities
• Understands the value of knowledge management , builds and supports systems and tools that efficiently connect people to the knowledge they need to do their job

Preferred Qualifications:

• Prior in-house experience at a nationally or state-chartered bank, consumer finance company, fintech company, payment processor or network, or large retailer with a consumer credit program or prior experience at a consumer financial regulator.
• Prior experience advising on both product and regulatory legal considerations, as well as exposure to transactional issues, for private label, co-brand, and point-of-sale financing programs, such credit cards, installment lending, or buy-now pay-later products.
• Detailed knowledge of and experience with the Truth-in-Lending Act (TILA) and Regulation Z, Equal Credit Opportunity Act (ECOA) and Regulation B, Unfair Deceptive and Abusive Acts and Practices (UDAAP), and other laws and regulations related to consumer credit.
• Prior experience developing and updating template agreements, as well as advising on related business policies and procedures.
• Familiarity with governance, risk, and compliance frameworks for large corporations, banks, or financial institutions, including a demonstrated ability to work closely with risk owners, compliance teams, other risk stakeholders, and internal and external counsel.

Physical Requirements:

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

• Domestic Travel Occasional
• International Travel Occasional
• 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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 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