Senior Manager, Financial Crime Risk Oversight
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Job Description
Senior manager overseeing TD's US financial crime risk programs and regulatory compliance. Leading AML, sanctions, ABAC, KYC governance, remediation, and second-line oversight.
Responsibilities:
- Develop, maintain, govern, and continuously enhance the Bank's Financial Crime Risk Management control frameworks, operating models, regulatory response activities, and oversight programs
- Provide enterprise-wide subject matter expertise and independent challenge across AML, ATF, Sanctions, ABAC, KYC, and related compliance programs
- Partner with first line business teams, Compliance, Internal Audit, Legal, Risk Management, and executive management
- Lead complex regulatory remediation initiatives, governance frameworks, operating model enhancements, control inventories, management reporting, and oversight activities
- Provide independent review of program effectiveness, control design, risk mitigation, and issue remediation
- Hire, lead, coach, develop, and manage a high-performing oversight team
- Oversee AML/ATF/Sanctions/ABAC programs for complex TD businesses and legal entities
- Provide strategic direction and guidance on complex compliance program activities and regulatory or policy changes
- Develop and implement compliance programs, policies, procedures, governance frameworks, and business plans
- Prepare executive, Board, Committee, and regulatory materials, governance reporting, risk assessments, staffing assessments, and program effectiveness evaluations
- Coordinate responses to regulatory examinations and internal/external audits
- Liaise with regulatory and law enforcement agencies on examinations and related inquiries
- Identify, manage, and escalate financial crime and compliance risks
- Maintain management reporting and analysis
- Lead enterprise-wide and customer-focused special projects
- Establish team objectives, monitor performance, provide feedback, and manage employee development and performance processes
Requirements:
- Undergraduate degree or equivalent work experience
- 10+ years of experience
- Deep knowledge of BSA/AML, OFAC, Sanctions, ABAC, and Financial Crime Risk Management regulatory requirements and industry best practices
- Experience leading regulatory remediation programs, consent order commitments, enforcement action responses, and large-scale program transformation initiatives
- Experience preparing executive, Board, Committee, and regulatory materials
- Experience with governance reporting, risk assessments, staffing assessments, and program effectiveness evaluations
- Strong understanding of AML and sanctions control frameworks, including KYC (CIP, CDD, EDD), transaction monitoring, investigations, screening, and regulatory reporting
- Ability to provide effective second line challenge and credible oversight across all three lines of defense
- Experience interacting directly with regulators, monitors, Internal Audit, and senior executive management
- Strong leadership, project management, and organizational skills
- Ability to lead complex, cross-functional initiatives from design through execution
- Ability to translate regulatory expectations into governance frameworks, operating models, controls, and sustainable business processes
- Exceptional written and verbal communication skills
- Ability to develop regulator-ready, Board-ready, and executive-level communications
Benefits:
- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- 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
- Reward and recognition
- Regular career, development, and performance conversations with a manager
- Online learning platform
- Variety of mentoring programs
- Training and onboarding sessions
- Competitive benefits plan
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