Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Compliance

Pay Details:

$76,800 - $115,200 CAD

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.

Job Description:

Department Overview

The mandate of the TD Compliance Department is to foster a culture of integrity, ethics, and compliance and deliver independent risk management and oversight of regulatory compliance risk and conduct risk throughout the Toronto-Dominion Bank and its subsidiaries, to protect our reputation and operate within our risk appetite and is designed to support sustained trust and confidence in TD by our consumers, employees, regulators, investors and markets.

TD Compliance main mandate includes:

Track and communicate regulatory changes to assist TD in the management of regulatory risk

Oversee and assist TD in complying with applicable rules and regulations

Reporting support to other Compliance Units (CU), subsidiary boards, risk committee, ERMC and ACoB (and appropriate escalation)

Regulatory filings with support from CU

Business oversight of compliance with requirements

Regulatory identification and inventory of regulatory requirements

Regulatory change notification and support for impact assessment (together with CU) and implementation (together with CU)

Regulatory engagement and examination support/advice

Control mapping: guidance and challenge

Training for first line and ETC

Implement an effective independent monitoring process using a risk-based approach

Ensure that key day-to-day controls are adequate and executed in a timely manner

Escalate material or significant issues to Senior Management, Audit Committee and/or Board of Directors, as appropriate

Provide guidance to TDI on day-to-day matters (e.g. scripts, job aids, quality monitoring, proper procedures, licensing, training material, etc.) in addition to unique regulatory advice for projects and other one-off situations

Job Description

Reporting to the Senior Manager, Compliance Business Oversight, the Senior Compliance Business Oversight Analyst will provide objective guidance, support and advice to assigned portfolio, business or function to promote strong Compliance controls and processes are in effect to mitigate inherent associated risks. He will also contribute to the development and implementation of Compliance programs related to all aspects of Compliance laws.

Specific accountabilities include:

Assist in the development and implementation of appropriate Compliance policies, processes and controls

Facilitate the periodic Compliance risk and self-assessment activities for designated business using TD’s Enterprise Compliance Risk Assessment Framework

Monitor that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion

Guide and complement the assigned portfolio in terms of financial, regulatory and risk management requirements

Interact with control functions within the organization

Develop analysis and insights, prepare and deliver management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products

Update business line policies and Compliance Team procedures

Analyze Compliance requirements and establish they are properly written into requirements for business projects and approved at the appropriate levels

Work with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations

Keep abreast of emerging issues, trends, and evolving regulatory requirements in the Compliance industry and assess potential impacts

Coordinate with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise

Support in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs

Conduct enterprise-wide annual risk assessment for all TD businesses

Support the business lines with compliance/risk controls and periodically evaluates

risk mitigation efforts to make adjustments as risk/department influences change

Protect the interests of the organization – identify and manage risks, and promote the prompt and thorough resolution of escalated nonstandard, high risk issues

Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and promote timely communication of issues/ points of interest

Provide thought leadership and/ or industry knowledge for own area of expertise and participate in knowledge transfer within the team and business

Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques

Participate in personal performance management and development activities, including cross training within own team

Keep others informed and up to-date about the status /progress of projects and / or all relevant or useful information related to day-today activities

Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.

Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.

Contribute to a fair, positive and equitable environment that supports a diverse workforce

Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

Expert level professional role requiring in-depth knowledge / expertise in Compliance and working knowledge of broader related areas

Provide advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise

Integrate the broader organizational context into advice and solutions within the Compliance area

Understand the industry, competition and the factors that differentiate the organization

Lead projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs

Contact for business management, external/internal auditors, dealing with non-routine information

Recommend and implement solutions within own area of responsibility

May need to coordinate / integrate work with other areas as needed

Identify and lead problem resolution for complex requirements related issues at all levels

Job Requirements

French and English spoken and written considered an asset

Undergraduate degree

Relevant professional designations and/or certifications as required

5+ years relevant experience

Proficient knowledge of a variety of products and services, systems, and compliance advisory standards, procedures, laws, rules, regulations and controls

Knowledge of risk management environment, standards and regulations

Knowledge of current and emerging trends

Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques

Skill in using computer applications including MS Office

Ability to communicate effectively in both oral and written form

Ability to work collaboratively and build relationships

Ability to work successfully as a member of a team and independently

Ability to exercise sound judgment in making decisions

Ability to analyze, organize and prioritize work while meeting multiple deadlines

Ability to handle confidential information with discretion

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet