Governance & Control Specialist managing risk and compliance activities at TD Bank. Overseeing governance and control operations, leading initiatives to enhance risk management practices.
About the role
- Director, Operating Risk and Control overseeing compliance for consumer financial products including prepaid debit cards. Partnering with internal teams and external banks to ensure regulatory alignment.
Responsibilities
- Serve as the first line of defense for a portfolio of consumer products
- Partner closely with product owners, legal, compliance, risk, cybersecurity, and sponsor bank partners
- Design and oversee systems, processes, and controls that ensure regulatory compliance and operational integrity
- Act as a liaison between internal teams (Compliance, Legal, Privacy, Cybersecurity, Risk) and external banking partners
- Coordinate regular meetings with external bank partners to ensure alignment and compliance
- Review and improve customer-facing content and processes in collaboration with cross-functional teams
- Develop and execute risk and compliance strategies aligned with business goals and regulatory requirements
- Support adherence to financial regulations including BSA/AML, KYC, Reg E, data privacy, and card issuing best practices
- Monitor compliance controls and key risk indicators, identifying weaknesses and recommending solutions
- Manage internal audits and controls testing to assess effectiveness and ensure controls operate as intended
- Resolve findings from internal teams, regulators, or banking partners through timely corrective actions
- Oversee development of policies related to financial crimes, fraud prevention, and customer data protection
Requirements
- 10+ years of experience in risk management, compliance, or operational controls within financial services
- Strong knowledge of regulatory frameworks including BSA/AML, KYC, GLBA, CFPB, and data privacy laws
- Experience working with BIN sponsorship banks, card networks and navigating third-party risk and compliance requirements
- Proven ability to lead cross-functional teams and manage complex stakeholder relationships
- Expertise in designing and implementing controls for consumer financial products and services
- Strong analytical and problem-solving skills, including root cause analysis and remediation planning
- Experience with internal audits, business control strategies, controls testing, and regulatory examinations
- Excellent communication and documentation skills, with the ability to translate regulatory requirements into operational processes
- Ability to stay current on industry trends, regulatory changes, and emerging risks in payments and card issuing
- Bachelor’s degree required; advanced degree or certifications (e.g., CRCM, CAMS, CISA) preferred.
Benefits
- short-term incentives
- multiple health insurance options
- accident and life insurance
- access to best-in-class development platforms
- Family First Program
- Flexible Time off
- Medical, Dental and Life Insurance
- Tuition Assistance Program
- Parental Leave
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