Monitoring / Comparative File Review Manager - Fair

3 weeks ago


Mount Laurel, United States TD Bank Full time

**Work Location**:
Mount Laurel, New Jersey

**Hours**:
40

**Pay Details**:
$86,840 - $139,360 USD

**Line of Business**:
Compliance

**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.

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
- 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
- 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
- Consist



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