Work Location:

United States of America

Hours:

40

Pay Details:

$160,000 - $220,000 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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:

Product Management

Job Description:

The Head of US Credit Cards & Unsecured Lending (CCUL) Governance and Control leads the 1a governance & control function for CCUL through the development, communication and implementation of a governance strategy for the business in support of the overall business strategy.  Partners with the business to respond to audits and exams and also develops and implements proactive strategies, tactics and programs to effectively manage regulatory and governance issues.

Depth & Scope:

• 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
• Leads the 1a Governance & Control function for CCUL through the development, communication and implementation of a governance strategy for the business in support of the overall business strategy
• Oversees Governance & Control activities, through the assessment of risks and recommend changes based on business information from the various control function partners, including Risk Management, Compliance, Legal, Vendor Management, AML, Regulatory, Audit and lines of business
• Partners with the business to respond to audits and exams, develop and implement proactive strategies, tactics and programs to effectively manage regulatory and governance issues
• Maintains a culture of risk management and control, supported by effective processes, sound infrastructure and in alignment with risk appetite
• Assesses the effectiveness of the business governance and control programs, including conducting research to determine best practices
• Represents the business on Risk Management, Compliance, AML Vendor Management, Regulatory and Audit related initiatives
• Keeps up to date on regulatory issues affecting the governance and control of the business
• Supports TD's enterprise-wide risk strategies and control function requirements
• Identifies and manages issues on behalf of CCUL, collaborating with LOBs and various control partners to resolve and close findings
• Drives enhancements to the control environment, including ensuring fulsome process maps, identification of risk and controls and the efficient monitoring of these controls (e.g., drive greater automation)
• Contributes to improved understanding of governance and control requirements, emerging trends and issues specific to the business unit
• Acts as the business representative for all audits to ensure they are executed and completed in accordance with established standards and within prescribed time, budget and scope parameters
• Leads, implements, and/or conducts due diligence process reviews for potential areas of risk to ensure the business is always prepared for internal and external audit reviews
• Provides insight or guidance to the executive leadership team to help inform or support decisions as appropriate
• Provides functional and business-level communications to ensure messages to stakeholders and/or employees are consistent, appropriate and aligned to business strategies and executive management direction

Education & Experience:

• Bachelor's degree preferred
• 10+ years of related experience
• In-depth knowledge of relevant banking and regulatory rules and policies, specifically in credit cards/unsecured lending
• Significant experience with regulators and audit partners across a multi-disciplined business division
• Strong business acumen and analytical capabilities with the ability to consolidate information into clear, concise analysis in support of business decisions
• Forward thinking and strategic thinking capabilities in order to support the business in executing on strategy
• Ability to influence and motivate others, including those who do not have a direct reporting relationship
• Able to manage and influence effectively within a matrix environment
• Ability to interact with all levels across the organization
• Strong communicator, with excellent oral, written and presentation skills
• Organizational awareness & the ability to balance the viewpoints of various stakeholders
• In-depth knowledge of relevant banking and regulatory rules and policies
• Significant experience interacting with regulators and audit partners
• Proven leadership skills; motivational, collaborative leader who has been successful in developing, guiding and managing a professional team in a fast moving, changing and flexible environment

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 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. 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.

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

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.