Head of Compliance, Real Estate Lending and TD Auto Finance
TD Bank, Charlotte, North Carolina, United States, 28245
The Head of Compliance, , Real Estate Secured Lending and Auto Finance supports the development, implementation, and maintenance of a regulatory compliance program and provides independent compliance risk oversight over a broad range of business and corporate functions including, Auto Financing and Real Estate Secured Lending. Role supports the Compliance Management System and CCO mandate by managing in scope compliance aspects of the applicable laws and regulations having a significant impact on the operations or strategy of the Company. The job interacts with senior management, developing, revising, and implementing policies and procedures to ensure compliance with applicable laws and regulations and effective management and oversight of all regulatory compliance activities.
* Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required* Supports the development, maintenance and continuous enhancement of programs designed to provide effective, independent regulatory compliance risk management and oversight of business line(s) supported* Manages regulatory change and provide trusted and reliable reporting, advice and opinion to senior leadership and the Boards on the state of regulatory compliance risks, controls and outcomes* Works closely with business leaders to develop and operationalize the business plan and deliver on Compliance programs across the bank, additionally provides oversight on risk assessment process* Grows team expertise to align with business/enterprise demand and direction; assess team skills and capabilities and continually looks for ways to provide and enhance the value delivered* Acts as a Compliance executive lead on various projects, overseeing and/or coordinating a diverse group of compliance professionals, project managers, analysts, business and corporate function specialists, risk and control partners, and other stakeholders* Coordinates with regulators from the Office of the Comptroller of the Currency (OCC), Federal Reserve Bank (Fed), Consumer Financial Protection Bureau (CFPB), Office of Supervision of Financial Institutions (OSFI) and internal audit to ensure compliance* Aids in development and enhances a scalable compliance program with effective program elements that mitigate areas of compliance risk and establish sustainable controls commensurate with the risk appetite and growth of the Bank and its relevant subsidiaries* Provides seasoned advice and counsel for executive business partners as they pertain to compliance for new business initiatives and compliance issue resolution* Serves as Compliance owner or resource on projects involving most critical and complex laws and regulations that have a significant impact on the operations or strategy of assigned LOBs* Oversees the development of internal processes to identify and manage compliance risks* Manages the review of trend analyses of RIMS, Implementation, and self-monitoring reports for assigned teams to ensure department standards are met* Oversees the planning, creation and maintenance of Corporate compliance database(s) to collect, manage and report information required by management* Oversees the resolution of compliance-related problems encountered by various areas of the Company as related to the most critical laws and regulations* Represents Department or Chairs various Company Committees to address activities that are impacted by compliance laws and regulations* Bachelor's degree or progressive work experience in addition to experience below* 10+ years related experience required* Certified Regulatory Compliance Manager (CRCM), law degree, regulatory, or risk management experience a plus* Extensive Operational knowledge as pertains to implementation of regulatory requirements* In-depth knowledge of financial services regulatory industry practices* Strong management experience leading regulatory compliance activities in the Real Estate Secured Lending and Auto Finance spaces* Strong Management skills in the development and mentoring of employees* Experience establishing and implementing effective regulatory strategies, policies and plans that support ongoing Company business* Strong management, organizational and evaluative process skills. Ability to analyze complex organizational and process issues to isolate regulatory risk exposure.* Demonstrated ability to develop and maintain productive business relationships with internal partners and external regulators* Solid understanding of technology's role in the business and compliance controls* Effective negotiation and influencing skills* Strong analytical skills and ability to exercise sound judgment in development and selection of compliance solutions* Strong collaborative skills and experience leading and working in a matrix environment and on cross-functional teams* Excellent verbal and written communications skills, including the ability to persuade and influence a broad spectrum of constituents at all levels* 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* 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 – ContinuousWe’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.**Our Values**
At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.
**Our Commitment to Diversity, Equity, and Inclusion**
At TD, we’re committed to fostering an environment where #J-18808-Ljbffr
* Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required* Supports the development, maintenance and continuous enhancement of programs designed to provide effective, independent regulatory compliance risk management and oversight of business line(s) supported* Manages regulatory change and provide trusted and reliable reporting, advice and opinion to senior leadership and the Boards on the state of regulatory compliance risks, controls and outcomes* Works closely with business leaders to develop and operationalize the business plan and deliver on Compliance programs across the bank, additionally provides oversight on risk assessment process* Grows team expertise to align with business/enterprise demand and direction; assess team skills and capabilities and continually looks for ways to provide and enhance the value delivered* Acts as a Compliance executive lead on various projects, overseeing and/or coordinating a diverse group of compliance professionals, project managers, analysts, business and corporate function specialists, risk and control partners, and other stakeholders* Coordinates with regulators from the Office of the Comptroller of the Currency (OCC), Federal Reserve Bank (Fed), Consumer Financial Protection Bureau (CFPB), Office of Supervision of Financial Institutions (OSFI) and internal audit to ensure compliance* Aids in development and enhances a scalable compliance program with effective program elements that mitigate areas of compliance risk and establish sustainable controls commensurate with the risk appetite and growth of the Bank and its relevant subsidiaries* Provides seasoned advice and counsel for executive business partners as they pertain to compliance for new business initiatives and compliance issue resolution* Serves as Compliance owner or resource on projects involving most critical and complex laws and regulations that have a significant impact on the operations or strategy of assigned LOBs* Oversees the development of internal processes to identify and manage compliance risks* Manages the review of trend analyses of RIMS, Implementation, and self-monitoring reports for assigned teams to ensure department standards are met* Oversees the planning, creation and maintenance of Corporate compliance database(s) to collect, manage and report information required by management* Oversees the resolution of compliance-related problems encountered by various areas of the Company as related to the most critical laws and regulations* Represents Department or Chairs various Company Committees to address activities that are impacted by compliance laws and regulations* Bachelor's degree or progressive work experience in addition to experience below* 10+ years related experience required* Certified Regulatory Compliance Manager (CRCM), law degree, regulatory, or risk management experience a plus* Extensive Operational knowledge as pertains to implementation of regulatory requirements* In-depth knowledge of financial services regulatory industry practices* Strong management experience leading regulatory compliance activities in the Real Estate Secured Lending and Auto Finance spaces* Strong Management skills in the development and mentoring of employees* Experience establishing and implementing effective regulatory strategies, policies and plans that support ongoing Company business* Strong management, organizational and evaluative process skills. Ability to analyze complex organizational and process issues to isolate regulatory risk exposure.* Demonstrated ability to develop and maintain productive business relationships with internal partners and external regulators* Solid understanding of technology's role in the business and compliance controls* Effective negotiation and influencing skills* Strong analytical skills and ability to exercise sound judgment in development and selection of compliance solutions* Strong collaborative skills and experience leading and working in a matrix environment and on cross-functional teams* Excellent verbal and written communications skills, including the ability to persuade and influence a broad spectrum of constituents at all levels* 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* 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 – ContinuousWe’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.**Our Values**
At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.
**Our Commitment to Diversity, Equity, and Inclusion**
At TD, we’re committed to fostering an environment where #J-18808-Ljbffr