Senior Compliance Business Oversight Manager (US) Commercial Banking and Payment Operations

Work Location: New York, New York, United States of America Hours: 40 Pay Details: $115,440 - $186,160 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 Senior Compliance Business Oversight Manager (US) is responsible for providing senior-level, independent compliance risk oversight for Commercial Banking . The role supports the development, implementation, and ongoing enhancement of the regulatory compliance program for Commercial Banking and Payment Operations, with accountability for advising senior business partners, overseeing compliance risk management activities, and ensuring applicable laws, regulations, policies, and enterprise standards are effectively integrated into business processes and controls. The role requires strong regulatory judgment, business acumen, people leadership, and the ability to influence outcomes across a matrixed environment. The Team is made up of seven Compliance personnel covering Commercial and Small Business Banking. Team oversight expanding to include Payment Operations. This role will support both the Commercial and Small Business Banking as well as Payment Operations business. The above details are specific to the role which is outlined in the general description below. Please review Preferred & Experience below as you consider this opportunity. The Senior 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 and Scope: •    Leads or supports the development, maintenance, and continuous enhancement of compliance oversight programs designed to identify, assess, manage, monitor, and report regulatory compliance risk for assigned business lines •    Provides senior-level compliance advice, credible challenge, and effective oversight for business strategies, new initiatives, products, services, operational changes, and issue remediation activities •    Partners with business leaders and control partners to operationalize compliance requirements, strengthen controls, and support alignment with enterprise compliance programs and risk appetite •    Oversees and contributes to compliance risk assessments, regulatory change management, monitoring, testing, issue management, training, reporting, and other core compliance program activities, as applicable •    Develops trusted relationships with senior business partners and provides clear, practical, and risk-based guidance on complex regulatory matters impacting Commercial Banking, Payments, and related operations •    Supports management reporting and provides timely, accurate, and well-supported insight on compliance risks, control effectiveness, issues, trends, and outcomes for senior management and governance committees •    Serves as a senior compliance representative on projects, initiatives, and working groups involving complex laws, regulations, business processes, controls, and cross-functional stakeholders •    Coordinates with Legal, Risk, Audit, Operations, Product, Technology, and other partners to promote effective compliance risk management and sustainable control design •    Supports regulatory examination, audit, and inquiry responses by helping coordinate materials, develop management responses, and ensure commitments and remediation activities are appropriately tracked •    Identifies emerging risks, regulatory developments, control gaps, and process improvement opportunities and escalates matters appropriately •    Helps build team capability by promoting knowledge sharing, developing subject matter expertise, and fostering a collaborative, high-performing team environment •    May represent Compliance in governance forums, committees, working groups, or other meetings where assigned business activities are impacted by laws, rules, regulations, or enterprise compliance requirements Education & Experience: Undergraduate degree or equivalent work experience 10+ years of experience Preferred Skills: •    Bachelor's degree or progressive work experience in addition to the experience noted below. •    10+ years of related experience in compliance, risk management, legal, audit, regulatory supervision, financial services, or a related discipline •    Must have a Certified Regulatory Compliance Manager (CRCM) or law degree. Regulatory agency experience, or other relevant professional certification preferred (a plus) •    Strong knowledge of U.S. bank regulatory rules applicable to Commercial Banking, Small Business Banking, including: Commercial Banking and Small B