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Job Information
TD Bank Monitoring / Comparative File Review Manager - Fair Banking Compliance in Greenville, South Carolina
Work Location:
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. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.
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:
Department Overview:
The TD Bank Fair Banking team is seeking a skilled professional to facilitate completion of regularly scheduled monitoring activities for consumer and small business lending portfolios designed to detect potential non-compliance with Federal Fair Lending Laws and UDAAP issues.
You will leverage your combined credit acumen and fair lending compliance expertise to; identify and organize key attributes used to render credit, pricing, and line assignment decisions from business line policies and procedures; provide guidance for the structure and scope of monitoring projects; conduct comparative/matched-pair file reviews; escalate issues for further analysis; and prepare reporting to demonstrate results and conclusions.
In this role, you will have close interaction with key personnel, including senior management from our core lending business lines, and other pillars in the fair banking compliance organization including the data analytics, specialists, and complaints teams.
Join a great team of dynamic and supportive Fair Lending Aficionados who have fun while ensuring Fair Lending for our Communities, Customers and Colleagues!
Background and skills that may be helpful in this role include:
Originating and/or underwriting residential mortgage and/or other consumer credit products (i.e. indirect auto, cards, small business, unsecured, etc.)
Writing/reviewing credit policy/guidelines
Credit data modeling/regression analysis
Organizing and reporting compliance/fair lending results.
The above details are specific to the role which is outlined in the general description below.
Job Description:
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
Experience within the following areas is preferred :
Previous experience originating and/or underwriting residential mortgage and/or other consumer credit products (i.e. indirect auto, cards, small business, unsecured, etc.)
Previous experience writing/reviewing credit policy/guidelines
Previous experience in credit data modeling/regression analysis
Previous experience organizing and reporting compliance/fair lending results
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
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 (http://hrportal.ehr.com/tdtotalrewards)
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
If you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
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