Senior Compliance Business Oversight Analyst (US)

TD Bank, N.A. is committed to building a resilient compliance risk management function. The Senior Compliance Business Oversight Analyst will provide compliance oversight and guidance across Deposit Product and Backoffice Operations, ensuring alignment with regulatory requirements and managing compliance-related issues.

Responsibilities:

• Serve as 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
• Support 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

Requirements:

• Undergraduate degree or equivalent work experience
• 7+ years of experience
• Subject Matter Expertise and knowledge of consumer banking regulations, specifically as they impact Deposit Products and Backoffice Operations, including Reg E, Reg CC, Reg DD, Reg Z, FCRA, UDAAP, FDIC 370, etc
• Experience in compliance monitoring, testing, and/or control mapping
• Hands-on experience in issue management and regulatory change management
• Strong written and verbal communication skills with the ability to consult, influence, and provide constructive challenge to the business lines
• Ability to present information to key stakeholders
• Relationship-building skills with the ability to work across multiple business lines
• Proactive, results-oriented, and adaptable 'go-getter' mindset