Work Location: Jacksonville, Florida, United States of America
Hours: 40
Pay Details: $68,640 - $112,320 USD
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.
Line of Business: Compliance
Job Description:
The Pre-Completion Testing Team is responsible for the review of Regulatory Issues to verify and validate that the appropriate remedial actions have been taken to address the issues raised. The pre-completion testing is done at the Design and Operating Effectiveness level prior to final submission to Internal Audit. The Head of FCRM Monitoring & Testing oversees and supports the pre-completion testing as well as provide approval and sign-off of the work performed. The Pre-Completion Testing Senior Tester is responsible for the execution of the testing approached in line with the procedures and support from the Pre-Completion lead and team. In order to be successful in this role, an individual should possess subject matter expertise on Financial Crime Risk and complex issue management skills.
The Senior Compliance Testing Analyst executes independent testing of Compliance controls/systems for assigned businesses and operational units across the Bank along with providing expertise on Compliance controls/processes. May assume leadership of a part of the engagement and have responsibility for completion of a phase of the engagement.
Depth & Scope:
- Exercises sound and expert independent professional judgment and discretion in interacting and communicating with staff and senior management of the Bank with respect to regulatory compliance and risk matters.
- Independently researches, reviews, and maintains expertise on banking regulations and laws, banking policies and procedures, and consumer protection laws.
- Acts as a subject matter expert for regulations applicable to business partners and provides guidance and advice with respect to the business partners' compliance with such regulations directly related to the operations of the business.
- Works independently to learn regulatory requirements tied to business units assigned for review, helps develop test steps to test the business line against these regulatory requirements, performs complex analysis/testing of the business line controls/processes, summarizes the results of testing, and analyzes the results to identify areas of improvement to be discussed with the business lines.
- Assists management in writing findings as applicable to address areas of improvement identified during independent testing and assists management in presenting these findings to business line staff and senior management.
- Oversees and/or independently performs assigned work from end to end.
- Executes more complex and/or non-standard assignments as requested.
Education & Experience:
- Undergraduate degree or equivalent work experience.
- 5+ years of experience.
Preferred Skills:
- Relevant experience working in a challenge function (e.g., Internal Audit, ORM, Risk Oversight) within the financial services industry.
- Subject matter expertise in BSA/AML and OFAC Sanctions Regulatory requirements as well as risk and controls with those regulatory requirements.
- Strong analytical skills, multi-tasking, working against tight deadlines, and active hands-on management of work.
- Excellent written & verbal communication skills to communicate effectively across all levels of stakeholders (from junior to senior).
- Challenge mindset and attention to detail to complex issues.
- 1-2 years of experience performing Issue Validation work for BSA/AML/Sanctions.
Customer Accountabilities:
- Executes testing engagement work in accordance with established standards to achieve completion within target timelines.
- Conducts skilled analytical research and analysis as part of the testing engagement and initiatives.
- Works collaboratively with key Compliance and business line partners throughout the testing engagement.
- Identifies potential errors following testing standards.
- Executes validation of findings raised from testing engagements in accordance with established standards.
- Proactively identifies matters which require additional attention, further escalation, or review.
Shareholder Accountabilities:
- Prioritizes and manages own workload to deliver quality results and meet assigned timelines.
- Contributes to the analysis, due diligence, and implementation of initiatives within defined area of responsibility.
- Adheres to internal policies, standards and procedures, methodologies, and applicable regulatory requirements to contribute to the review of internal processes and activities and assists in identifying potential opportunities to improve the Compliance Management System.
- Understands the operations of the business unit/area being tested and to identify potential Compliance risks and apply information to complete a quality, risk based engagement.
- Clearly and concisely documents research as required to understand requirements specific to an engagement.
- Keeps abreast of emerging trends/developments and changes to regulatory framework, internal policies, and standards.
- Provides analysis on issues and effectively communicates results to Compliance Testing management and assists management in communicating results to the client.
- Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.
Employee/Team Accountabilities:
- Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and promotes timely communication of issues/points of interest.
- Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit.
- Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques.
- Participates in personal performance management and development activities, including cross training within own team.
- Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities.
- Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences, and leveraging best practices. May provide coaching to other team members as appropriate.
- Leads, motivates, and develops relationships with internal and external business partners/stakeholders to develop productive working relationships.
- Contributes to a fair, positive and equitable environment that supports a diverse workforce.
- Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally.
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.
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.
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 USWAPTDO@td.com . 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.
