Job Information
TD Bank Head of US Credit Cards & Unsecured Lending Governance & Control (US) in Cherry Hill, New Jersey
Work Location :
Wilmington, Delaware, United States of America
Hours:
40
Line of Business:
Product Management
Pay Detail:
$200,000 - $280,000 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.
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 Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.
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 (http://hrportal.ehr.com/tdtotalrewards)
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 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.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.