Sr. Counsel

Description :Department Overview:As part of the Credit Card and Unsecured Lending Legal Team, the Senior Counsel is at the center of helping TD Bank provide banking and financial services that meet our customers' goals.You will provide oversight, legal advice, and support to TD's US Credit Cards and Unsecured Lending (CCUL) lines of business. You will use your expert judgement to provide solution-oriented legal guidance regarding the bank's consumer lending products, operations, and processes. You will provide end-to-end credit card product legal advisory support for product development, account originations, marketing, and servicing. You will be a trusted advisor to product owners and risk stakeholders.Depth & Scope:May manage paralegal and administrative staff, assigning responsibilities and evaluating resultsProvides leadership, coaching, counseling and guidance to staffSupervises external counsel providing advice or other legal services of the CompanyWorks closely with General Counsel, department attorneys and external legal counsel on specific legal issues related to the Company's businessGives practical support and assistance to contemporaries, junior attorneys and staffVolunteers expert advice and experienceVerifies the information has been understoodServes in one or more permanent or ad hoc practice groups or cross-practice teams of attorneys and staffAssists in the management of expenditures for external counselAdvises lines of business on best practices that help minimize legal and litigation riskMay assist General Counsel in developing and managing departmental budget for both internal and external legal spendAnticipates client needsDeals with complex legal issuesClearly delivers difficult messages without jeopardizing client relationshipsGives pragmatic legal opinions with reasons and rationaleProvides advice in ambiguous situations; identifies and prevents future legal risksIdentifies and takes action on future opportunitiesResolves most situations where conflicts arise between the needs and desires of specific business units and the interests of the Company without requiring intervention of more senior attorneysDemonstrates highest professional ethical and behavioral standards and complies with all applicable Bar Rules and Codes of Professional Responsibility, and corporate ethical and behavioral standardsParticipates in special projects and performs additional duties as requiredEducation & Experience: Bachelors degree requiredJ.D. from an Accredited Law School required10+ Years of related experienceStrong knowledge of at least one area of law relating to banking/financial services operations and issuesIntegrity and high moral standardsStrong negotiation and conflict resolution skillsStrong legal and analysis skillsDetail orientedMust be able to apply legal knowledge to the businessAbility to exercise sound judgmentStrong interpersonal skillsExcellent oral and written communication skillsStrong teamwork and client skillsHighly motivatedAbility to provide difficult, complex and unwelcomed legal advice credibly and convincingly to managementStrong technology aptitude including i) proficiency with standard office software and ability to learn and apply new technologies in work environment and ii) capacity to understand current and emerging technologies in the industry and how they affect business objectivesAbility to identify problems and barriers, and effectively implement solutions to advance business strategyOperates with creativity and innovation; seeks different perspectives and new ideas Ability to work in a fast-paced environment and manage multiple deadlines and prioritiesUnderstands the value of knowledge management , builds and supports systems and tools that efficiently connect people to the knowledge they need to do their jobPreferred Qualifications:Prior in-house experience at a nationally or state-chartered bank, consumer finance company, fintech company, payment processor or network, or large retailer with a consumer credit program or prior experience at a consumer financial regulator.Prior experience advising on both product and regulatory legal considerations, as well as exposure to transactional issues, for private label, co-brand, and point-of-sale financing programs, such credit cards, installment lending, or buy-now pay-later products.Detailed knowledge of and experience with the Truth-in-Lending Act (TILA) and Regulation Z, Equal Credit Opportunity Act (ECOA) and Regulation B, Unfair Deceptive and Abusive Acts and Practices (UDAAP), and other laws and regulations related to consumer credit.Prior experience developing and updating template agreements, as well as advising on related business policies and procedures.Familiarity with governance, risk, and compliance frameworks for large corporations, banks, or financial institutions, including a demonstrated ability to work closely with risk owners, compliance teams, other risk stakeholders, and internal and external counsel.Physical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – OccasionalPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.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 PackageOur 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. 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 & OnboardingWe 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.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.