998 Compliance Monitoring jobs in the United States

**What's Under the Hood**
DriveTime Family of Brands is the largest privately owned used car sales finance & servicing company in the nation. Headquartered in Tempe, Arizona and Dallas, Texas, we create opportunities and improve the lives of our customers and our employees by placing a focus on putting the right customer, in the right vehicle, on the right terms and on their path to ownership.
The DriveTime Family of Brands spans across DriveTime, Bridgecrest and SilverRock. You can find us at the intersection of technology and innovation as we use our proprietary tools and over two decades of industry knowledge to redefine the process of purchasing, financing, and protecting your vehicle.
**That's Nice, But What's the Job?**
In short, a Compliance Monitoring Specialist is responsible for monitoring compliance with applicable laws and regulations through analysis, review, and testing of transactional data, new and existing programs/processes, policies and procedures, marketing materials, and training materials related to regulatory compliance.
**In long, a Compliance Monitoring Specialist is responsible for:**
+ Maintaining and executing monitoring and testing functions related to DriveTime, Bridgecrest, SilverRock and other related entities.
+ Conducting and reporting monitoring and testing of assigned business processes, from planning to reporting, ensuring findings are communicated effectively and timely.
+ Monitoring developments in business practice changes, analyzing the impact of developments on new and existing programs and practices, and communicate the assessment of the impact to management and affected employees as necessary.
+ Preparing and presenting results of compliance monitoring procedures and providing recommendations to management as necessary.
+ Engaging in DriveTime's culture and development opportunities, including professional development and the development of professional relationships with audit/compliance personnel, management, and DriveTime employees.
**So, What Kind of Folks Are We Looking for?**
+ Organization and time management skills. You will be handling multiple projects and deadlines that will require you to prioritize then re-prioritize again.
+ Excellent verbal and written communication skills. The ability to talk and write with confidence, charisma, and competence for a wide variety of audiences - including upper management.
+ A mind for the details. Okay, we know "detail-oriented" is on about every job description - but we really mean it!
+ Agile in a fast-paced environment. We move, and we move quickly. Thriving in an environment that never stops, is a must.
+ Plays well with others. You will be working in a high-functioning team environment. We work together in order to win together.
+ Mastery of managing. You'll need the ability to effectively manage processes and work with all levels of employees and customers.
**The Specifics.**
+ Associate or Bachelor's degree, or a satisfactory amount of relative work experience.
+ 1+ years of experience in a regulatory compliance, financial analysis, quality assurance or audit environment.
+ Experience in the Financial Services or other heavily regulated industry with Consumer Reporting Agency knowledge is preferred.
+ Experience performing analysis of transactional data and identifying trends within the data.
+ CIA, CRCM, CFE, or other relevant professional certifications are preferred but not required.
+ Proficient with Microsoft Office applications including Word & Excel. Experience building and executing queries in SQL is a plus.
**So What About the Perks? Perks matter**
+ **Medical, dental, and vision, oh my!** DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage.
+ **But Wait, There's More.** 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.
+ **Growth Opportunities.** You grow, I grow, we all grow! But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.
+ **Tuition Reimbursement.** We're as passionate about your professional development as you are. With that, we'll put our money where our mouth is.
+ **Wellness Program.** Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!
+ **Gratitude is Green.** We offer competitive pay across the organization, because, well. money matters!
+ **Game Room.** Gimme a break - no, not a Kit Kat ad but we do have a ping-pong table, a pool table and other games if you ever need a break in your day.
+ **In-House Gym.** We want our employees to be the best versions of themselves. So come early, take a break in your day, or finish strong with a workout!
+ **Enjoy Social Events?** Bring it on. Rally with your team for festive gatherings, team competitions or just to hang out!
+ **We Care and Value YOU!** Feel the love and let us treat you to company outings, personal rewards, amazing prizes & much more!
+ **Paid Time Off.** Not just lip service: we work hard, to play hard! Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time! For our Part-timers, don't fear you get some time too.vacation time is available - the more you work, the more you earn!
**Anything Else? Absolutely.**
DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here. We could spend a lot of time having you read about ALL our awards, but we'll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don't forget Phoenix Business Journal Healthiest Employers (okay, we'll stop there)!
Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.
And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!

**What's Under the Hood**
DriveTime Family of Brands is the largest privately owned used car sales finance & servicing company in the nation. Headquartered in Tempe, Arizona and Dallas, Texas, we create opportunities and improve the lives of our customers and our employees by placing a focus on putting the right customer, in the right vehicle, on the right terms and on their path to ownership.
The DriveTime Family of Brands spans across DriveTime, Bridgecrest and SilverRock. You can find us at the intersection of technology and innovation as we use our proprietary tools and over two decades of industry knowledge to redefine the process of purchasing, financing, and protecting your vehicle.
**That's Nice, But What's the Job?**
In short, a Compliance Monitoring Specialist is responsible for monitoring compliance with applicable laws and regulations through analysis, review, and testing of transactional data, new and existing programs/processes, policies and procedures, marketing materials, and training materials related to regulatory compliance.
**In long, a Compliance Monitoring Specialist is responsible for:**
+ Maintaining and executing monitoring and testing functions related to DriveTime, Bridgecrest, SilverRock and other related entities.
+ Conducting and reporting monitoring and testing of assigned business processes, from planning to reporting, ensuring findings are communicated effectively and timely.
+ Monitoring developments in business practice changes, analyzing the impact of developments on new and existing programs and practices, and communicate the assessment of the impact to management and affected employees as necessary.
+ Preparing and presenting results of compliance monitoring procedures and providing recommendations to management as necessary.
+ Engaging in DriveTime's culture and development opportunities, including professional development and the development of professional relationships with audit/compliance personnel, management, and DriveTime employees.
**So, What Kind of Folks Are We Looking for?**
+ Organization and time management skills. You will be handling multiple projects and deadlines that will require you to prioritize then re-prioritize again.
+ Excellent verbal and written communication skills. The ability to talk and write with confidence, charisma, and competence for a wide variety of audiences - including upper management.
+ A mind for the details. Okay, we know "detail-oriented" is on about every job description - but we really mean it!
+ Agile in a fast-paced environment. We move, and we move quickly. Thriving in an environment that never stops, is a must.
+ Plays well with others. You will be working in a high-functioning team environment. We work together in order to win together.
+ Mastery of managing. You'll need the ability to effectively manage processes and work with all levels of employees and customers.
**The Specifics.**
+ Associate or Bachelor's degree, or a satisfactory amount of relative work experience.
+ 1+ years of experience in a regulatory compliance, financial analysis, quality assurance or audit environment.
+ Experience in the Financial Services or other heavily regulated industry with Consumer Reporting Agency knowledge is preferred.
+ Experience performing analysis of transactional data and identifying trends within the data.
+ CIA, CRCM, CFE, or other relevant professional certifications are preferred but not required.
+ Proficient with Microsoft Office applications including Word & Excel. Experience building and executing queries in SQL is a plus.
**So What About the Perks? Perks matter**
+ **Medical, dental, and vision, oh my!** DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage.
+ **But Wait, There's More.** 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.
+ **Growth Opportunities.** You grow, I grow, we all grow! But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.
+ **Tuition Reimbursement.** We're as passionate about your professional development as you are. With that, we'll put our money where our mouth is.
+ **Wellness Program.** Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!
+ **Gratitude is Green.** We offer competitive pay across the organization, because, well. money matters!
+ **Game Room.** Gimme a break - no, not a Kit Kat ad but we do have a ping-pong table, a pool table and other games if you ever need a break in your day.
+ **In-House Gym.** We want our employees to be the best versions of themselves. So come early, take a break in your day, or finish strong with a workout!
+ **Enjoy Social Events?** Bring it on. Rally with your team for festive gatherings, team competitions or just to hang out!
+ **We Care and Value YOU!** Feel the love and let us treat you to company outings, personal rewards, amazing prizes & much more!
+ **Paid Time Off.** Not just lip service: we work hard, to play hard! Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time! For our Part-timers, don't fear you get some time too.vacation time is available - the more you work, the more you earn!
**Anything Else? Absolutely.**
DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here. We could spend a lot of time having you read about ALL our awards, but we'll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don't forget Phoenix Business Journal Healthiest Employers (okay, we'll stop there)!
Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.
And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!

Description

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you’ll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

How will you make an impact in this role?

Global Compliance and Ethics (GCE), is responsible for establishing and maintaining a robust compliance program that ensures American Express is adhering to laws, regulations, and internal policies while fostering a culture of integrity and effective second line independent Compliance oversight.

This position will be specifically dedicated to the Independent Compliance Testing (“ICT”) team supporting the Global Risk and Compliance Monitoring & Testing (M&T) function. A successful candidate will have audit or compliance testing experience within a large bank and a focus on control design and effectiveness. The Analyst will perform testing and provide support to the Managers and Directors leading the ICT reviews, including:

Key Responsibilities:

• Assist Managers/ Directors in the execution of assigned M&T tasks in department standards, methodology, budgets, and deadlines for all phases of the testing including planning, fieldwork, reporting and wrap-up.

• Interview client personnel of all levels to document, understand, and assess process effectiveness, Compliance risks and controls, including control design and effectiveness.

• Assist in the management of routine client status meetings, testing requests, and other administrative tasks.

• Assist in the documentation and evaluation of M&T observations and findings and subsequent validation of management’s actions taken to address such findings.

• Work on simultaneous integrated M&T projects for different leaders.

• Develop and document ideas for analytical control testing to expand the breadth and depth of testing coverage.

• Develop familiarity with Compliance risk across all lines of businesses, globally.

• Utilize department and company tools in a proficient manner.

• Maintain internal M&T competency through ongoing professional development.

Required Qualifications:

• 3 years of experience in audit, monitoring and testing, or risk management in the financial services, banking, or card products industries.

• Bachelor of Art/Science or equivalent degree.

• Experience and competency in the assessment of risks, control design and effectiveness and process assessment.

• Strong written and verbal communication skills.

• Strong regulatory knowledge of consumer compliance and a strong desire to learn relevant regulations.

• Strong knowledge of issue management and risk system management.

• Self-starter along with passion for continuous innovation with a view to drive organizational improvements and impacts.

• Ability to work with unstructured tasks/ risk pillar and provide a structured output.

• Experience in analyzing data, interpreting results, identifying potential discrepancies and/or risk and experience with data analytics tools and data visualization.

• Ability to break down a complex problem into components, solve them by potentially using data analysis, process knowledge and risk/control knowledge, and communicate data analysis, issues and control recommendations with transparency and integrity.

• Possess a strong understanding of banking systems and processes, strong computer knowledge, and excellent MS Word, Excel, Visio, and PowerPoint skills.

• Excellent storytelling and visualization skills.

• Demonstrated integrity, innovation, teamwork, and excellence.

Preferred Qualifications:

• Proficiency in Fair Lending, Financial Crimes, marketing offer fulfillment and UDAP/UDAAP requirements, Privacy, Compliance Risk Assessment, general regulatory knowledge, issue management, and risk system management.

• Advanced degree in Accounting, or another related field.

• Relevant M&T and compliance professional certifications are preferred (Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA) etc.) Certified Fraud Examiner (CFE) etc.

• Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization is a plus.

• Demonstrative experience with databases, SQL, and data manipulation. Experience with MS Excel, MIS, business intelligence tools or other data presentation experience. Familiarity with python or other scripting languages.

Qualifications

Salary Range: $55,000.00 to $105,000.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries

• Bonus incentives

• 6% Company Match on retirement savings plan

• Free financial coaching and financial well-being support

• Comprehensive medical, dental, vision, life insurance, and disability benefits

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

• 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)

• Free and confidential counseling support through our Healthy Minds program

• Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window:

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

Job: Compliance

Primary Location: US-Utah-Sandy

Other Locations: US-Arizona-Phoenix, US-Florida-Sunrise

Schedule Full-time

Req ID:

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
Global Compliance and Ethics (GCE), is responsible for establishing and maintaining a robust compliance program that ensures American Express is adhering to laws, regulations, and internal policies while fostering a culture of integrity and effective second line independent Compliance oversight.
This position will be specifically dedicated to the Independent Compliance Testing ("ICT") team supporting the Global Risk and Compliance Monitoring & Testing (M&T) function. A successful candidate will have audit or compliance testing experience within a large bank and a focus on control design and effectiveness. The Analyst will perform testing and provide support to the Managers and Directors leading the ICT reviews, including:
**Key Responsibilities:**
+ Assist Managers/ Directors in the execution of assigned M&T tasks in department standards, methodology, budgets, and deadlines for all phases of the testing including planning, fieldwork, reporting and wrap-up.
+ Interview client personnel of all levels to document, understand, and assess process effectiveness, Compliance risks and controls, including control design and effectiveness.
+ Assist in the management of routine client status meetings, testing requests, and other administrative tasks.
+ Assist in the documentation and evaluation of M&T observations and findings and subsequent validation of management's actions taken to address such findings.
+ Work on simultaneous integrated M&T projects for different leaders.
+ Develop and document ideas for analytical control testing to expand the breadth and depth of testing coverage.
+ Develop familiarity with Compliance risk across all lines of businesses, globally.
+ Utilize department and company tools in a proficient manner.
+ Maintain internal M&T competency through ongoing professional development.
**Required Qualifications:**
+ 3 years of experience in audit, monitoring and testing, or risk management in the financial services, banking, or card products industries.
+ Bachelor of Art/Science or equivalent degree.
+ Experience and competency in the assessment of risks, control design and effectiveness and process assessment.
+ Strong written and verbal communication skills.
+ Strong regulatory knowledge of consumer compliance and a strong desire to learn relevant regulations.
+ Strong knowledge of issue management and risk system management.
+ Self-starter along with passion for continuous innovation with a view to drive organizational improvements and impacts.
+ Ability to work with unstructured tasks/ risk pillar and provide a structured output.
+ Experience in analyzing data, interpreting results, identifying potential discrepancies and/or risk and experience with data analytics tools and data visualization.
+ Ability to break down a complex problem into components, solve them by potentially using data analysis, process knowledge and risk/control knowledge, and communicate data analysis, issues and control recommendations with transparency and integrity.
+ Possess a strong understanding of banking systems and processes, strong computer knowledge, and excellent MS Word, Excel, Visio, and PowerPoint skills.
+ Excellent storytelling and visualization skills.
+ Demonstrated integrity, innovation, teamwork, and excellence.
**Preferred Qualifications:**
+ Proficiency in Fair Lending, Financial Crimes, marketing offer fulfillment and UDAP/UDAAP requirements, Privacy, Compliance Risk Assessment, general regulatory knowledge, issue management, and risk system management.
+ Advanced degree in Accounting, or another related field.
+ Relevant M&T and compliance professional certifications are preferred (Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA) etc.) Certified Fraud Examiner (CFE) etc.
+ Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization is a plus.
+ Demonstrative experience with databases, SQL, and data manipulation. Experience with MS Excel, MIS, business intelligence tools or other data presentation experience. Familiarity with python or other scripting languages.
**Qualifications**
Salary Range: $55,000.00 to $105,000.00 annually bonus benefits
The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ 6% Company Match on retirement savings plan
+ Free financial coaching and financial well-being support
+ Comprehensive medical, dental, vision, life insurance, and disability benefits
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
For a full list of Team Amex benefits, visit our Colleague Benefits Site .
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
US Job Seekers - Click to view the " Know Your Rights " poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.
**Job:** Compliance
**Primary Location:** US-Utah-Sandy
**Other Locations:** US-Arizona-Phoenix, US-Florida-Sunrise
**Schedule** Full-time
**Req ID:**

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
Global Compliance and Ethics (GCE), is responsible for establishing and maintaining a robust compliance program that ensures American Express is adhering to laws, regulations, and internal policies while fostering a culture of integrity and effective second line independent Compliance oversight.
This position will be specifically dedicated to the Independent Compliance Testing ("ICT") team supporting the Global Risk and Compliance Monitoring & Testing (M&T) function. A successful candidate will have audit or compliance testing experience within a large bank and a focus on control design and effectiveness. The Analyst will perform testing and provide support to the Managers and Directors leading the ICT reviews, including:
**Key Responsibilities:**
+ Assist Managers/ Directors in the execution of assigned M&T tasks in department standards, methodology, budgets, and deadlines for all phases of the testing including planning, fieldwork, reporting and wrap-up.
+ Interview client personnel of all levels to document, understand, and assess process effectiveness, Compliance risks and controls, including control design and effectiveness.
+ Assist in the management of routine client status meetings, testing requests, and other administrative tasks.
+ Assist in the documentation and evaluation of M&T observations and findings and subsequent validation of management's actions taken to address such findings.
+ Work on simultaneous integrated M&T projects for different leaders.
+ Develop and document ideas for analytical control testing to expand the breadth and depth of testing coverage.
+ Develop familiarity with Compliance risk across all lines of businesses, globally.
+ Utilize department and company tools in a proficient manner.
+ Maintain internal M&T competency through ongoing professional development.
**Required Qualifications:**
+ 3 years of experience in audit, monitoring and testing, or risk management in the financial services, banking, or card products industries.
+ Bachelor of Art/Science or equivalent degree.
+ Experience and competency in the assessment of risks, control design and effectiveness and process assessment.
+ Strong written and verbal communication skills.
+ Strong regulatory knowledge of consumer compliance and a strong desire to learn relevant regulations.
+ Strong knowledge of issue management and risk system management.
+ Self-starter along with passion for continuous innovation with a view to drive organizational improvements and impacts.
+ Ability to work with unstructured tasks/ risk pillar and provide a structured output.
+ Experience in analyzing data, interpreting results, identifying potential discrepancies and/or risk and experience with data analytics tools and data visualization.
+ Ability to break down a complex problem into components, solve them by potentially using data analysis, process knowledge and risk/control knowledge, and communicate data analysis, issues and control recommendations with transparency and integrity.
+ Possess a strong understanding of banking systems and processes, strong computer knowledge, and excellent MS Word, Excel, Visio, and PowerPoint skills.
+ Excellent storytelling and visualization skills.
+ Demonstrated integrity, innovation, teamwork, and excellence.
**Preferred Qualifications:**
+ Proficiency in Fair Lending, Financial Crimes, marketing offer fulfillment and UDAP/UDAAP requirements, Privacy, Compliance Risk Assessment, general regulatory knowledge, issue management, and risk system management.
+ Advanced degree in Accounting, or another related field.
+ Relevant M&T and compliance professional certifications are preferred (Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA) etc.) Certified Fraud Examiner (CFE) etc.
+ Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization is a plus.
+ Demonstrative experience with databases, SQL, and data manipulation. Experience with MS Excel, MIS, business intelligence tools or other data presentation experience. Familiarity with python or other scripting languages.
**Qualifications**
Salary Range: $55,000.00 to $105,000.00 annually bonus benefits
The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ 6% Company Match on retirement savings plan
+ Free financial coaching and financial well-being support
+ Comprehensive medical, dental, vision, life insurance, and disability benefits
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
For a full list of Team Amex benefits, visit our Colleague Benefits Site .
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
US Job Seekers - Click to view the " Know Your Rights " poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.
**Job:** Compliance
**Primary Location:** US-Utah-Sandy
**Other Locations:** US-Arizona-Phoenix, US-Florida-Sunrise
**Schedule** Full-time
**Req ID:**

**Work Location:**
Mount Laurel, New Jersey, United States of America
**Hours:**
40
**Pay Details:**
$86,840 - $139,360 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:**
**Why Work with Us?**
At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization.
**The Ideal Candidate:**
The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.
Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.
Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. management areas, broader organization, and enterprise as appropriate.
**U.S. Compliance Monitoring and Testing provides governance, oversight, and support for central elements of the U.S. Compliance Monitoring and Testing Program, including:**
+ Lead strategic planning efforts and support U.S. Compliance Monitoring and Testing in defining the long-term vision, priorities, and success measures for the program.
+ Develop management routines, operating frameworks, and program governance models to ensure consistent execution and alignment with compliance leadership objectives.
+ Identify and assess opportunities for continuous improvement across U. S. Compliance Monitoring and Testing Programs and influence execution in collaboration with vertical leads.
**The U.S. Compliance Monitoring and Testing team works directly with the Bank's Compliance Units, Compliance Testing, and Oversight Functions to develop and manage the annual monitoring plan for the US, , including, reports on regulatory themes and potential gaps in coverage, and creates standards and procedures for the US Compliance Monitoring and Testing Program.**
**The position requires a high level of compliance knowledge with consumer related laws and regulations, an ability to work both individually and as a team, strong analytical skills, and attention to detail.**
The above details are specific to the role which is outlined in the general description below.
**Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.**
**Job Summary:**
The Compliance Governance & Operations Manager leads the development and implementation (or lead support) of enterprise Compliance programs, including frameworks, policies, standards and development of procedures, awareness and specialized training, monitoring, reporting and information, escalation of issues and events.
**Depth & Scope:**
+ Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas
+ Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations
+ Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
+ Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialists
+ Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
+ Independently manages end-to-end functional programs
+ Uses sophisticated analytical thought to exercise judgement and identify solutions
+ Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
+ Impacts the achievement of sub-function or business line objectives within the area they are accountable for
+ Work is guided by policies and industry standards/methods
+ Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
+ Works autonomously as the lead and guides others within area of expertise
**Education & Experience:**
+ Undergraduate degree or equivalent work experience
+ 7+ years of experience
**Preferred Background & Experience:**
+ **CRCM certification preferred**
+ **Knowledge and experience with risk management environment, standards, and regulations.**
+ **Knowledge and experience within compliance or audit, legal and regulatory environment, enterprise governance framework, products and services, policies, standards, systems, reporting and training requirements**
+ **Knowledge of current and emerging trends, including regulatory expectations and standards for effective compliance management systems**
+ **Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements**
+ **Skill in using computer applications including MS Office and Tableau**
+ **Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques**
+ **Ability to independently identify, assess, and escalate issues requiring senior management attention.**
**Customer Accountabilities:**
+ Works with Compliance partners and other related groups (such as Legal and Risk) to support creation of documentation and reports required by external regulatory bodies and TD internal groups
+ Leads development of team procedures and governance processes and advises the Compliance stakeholders and teams of changes and enhancements to enterprise Compliance programs and requirements and where they may impact in the organization
+ Provides governance oversight through management of the policy and training exemption governance and reporting processes to the Compliance Senior Executive Team (and related Compliance Sub-Committees)
+ Assists Compliance team members in the use of Issues and Events system for tracking and reporting
+ Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the Compliance program
+ Represents CGO as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiative, as required
+ Delivers relevant subject matter expertise and Compliance advice to business Compliance partners
+ Interacts with control functions within the organization
+ Conducts meaningful research, analysis, and assessment of Compliance program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise Compliance programs
+ Participates in/manages regulatory examinations and external/internal audits with respect to request for information regarding CGO portfolio; reviewing, packaging and providing information for department executive
**Shareholder Accountabilities:**
+ Adheres to enterprise frameworks and methodologies that relate to activities for our business area
+ Makes sure respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
+ Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
+ Manages business operations to be in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
+ Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
+ Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
+ Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
+ Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exists
+ Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues
+ Actively manages relationships within and across various business lines, corporate and/or control functions and manages alignment with enterprise and/or regulatory requirements
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
+ 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 ensures timely communication of issues/points of interest
+ Supports the team by continuously enhancing knowledge/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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
+ 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
**Physical Requirements:**
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
+ Domestic Travel - Occasional
+ International Travel - Never
+ Performing sedentary work - Continuous
+ Performing multiple tasks - Continuous
+ Operating standard office equipment - Continuous
+ Responding quickly to sounds - Occasional
+ Sitting - Continuous
+ Standing - Occasional
+ Walking - Occasional
+ Moving safely in confined spaces - Occasional
+ Lifting/Carrying (under 25 lbs.) - Occasional
+ Lifting/Carrying (over 25 lbs.) - Never
+ Squatting - Occasional
+ Bending - Occasional
+ Kneeling - Never
+ Crawling - Never
+ Climbing - Never
+ Reaching overhead - Never
+ Reaching forward - Occasional
+ Pushing - Never
+ Pulling - Never
+ Twisting - Never
+ Concentrating for long periods of time - Continuous
+ Applying common sense to deal with problems involving standardized situations - Continuous
+ Reading, writing and comprehending instructions - Continuous
+ Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
#LI-AMCBCorporate
**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 ( 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**
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**
Mount Laurel, New Jersey, United States of America
**Hours:**
40
**Pay Details:**
$86,840 - $139,360 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:**
**Why Work with Us?**
At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization.
**The Ideal Candidate:**
The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.
Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.
Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. management areas, broader organization, and enterprise as appropriate.
**U.S. Compliance Monitoring and Testing provides governance, oversight, and support for central elements of the U.S. Compliance Monitoring and Testing Program, including:**
+ Lead strategic planning efforts and support U.S. Compliance Monitoring and Testing in defining the long-term vision, priorities, and success measures for the program.
+ Develop management routines, operating frameworks, and program governance models to ensure consistent execution and alignment with compliance leadership objectives.
+ Identify and assess opportunities for continuous improvement across U. S. Compliance Monitoring and Testing Programs and influence execution in collaboration with vertical leads.
**The U.S. Compliance Monitoring and Testing team works directly with the Bank's Compliance Units, Compliance Testing, and Oversight Functions to develop and manage the annual monitoring plan for the US, , including, reports on regulatory themes and potential gaps in coverage, and creates standards and procedures for the US Compliance Monitoring and Testing Program.**
**The position requires a high level of compliance knowledge with consumer related laws and regulations, an ability to work both individually and as a team, strong analytical skills, and attention to detail.**
The above details are specific to the role which is outlined in the general description below.
**Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.**
**Job Summary:**
The Compliance Governance & Operations Manager leads the development and implementation (or lead support) of enterprise Compliance programs, including frameworks, policies, standards and development of procedures, awareness and specialized training, monitoring, reporting and information, escalation of issues and events.
**Depth & Scope:**
+ Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas
+ Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations
+ Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
+ Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialists
+ Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
+ Independently manages end-to-end functional programs
+ Uses sophisticated analytical thought to exercise judgement and identify solutions
+ Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
+ Impacts the achievement of sub-function or business line objectives within the area they are accountable for
+ Work is guided by policies and industry standards/methods
+ Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
+ Works autonomously as the lead and guides others within area of expertise
**Education & Experience:**
+ Undergraduate degree or equivalent work experience
+ 7+ years of experience
**Preferred Background & Experience:**
+ **CRCM certification preferred**
+ **Knowledge and experience with risk management environment, standards, and regulations.**
+ **Knowledge and experience within compliance or audit, legal and regulatory environment, enterprise governance framework, products and services, policies, standards, systems, reporting and training requirements**
+ **Knowledge of current and emerging trends, including regulatory expectations and standards for effective compliance management systems**
+ **Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements**
+ **Skill in using computer applications including MS Office and Tableau**
+ **Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques**
+ **Ability to independently identify, assess, and escalate issues requiring senior management attention.**
**Customer Accountabilities:**
+ Works with Compliance partners and other related groups (such as Legal and Risk) to support creation of documentation and reports required by external regulatory bodies and TD internal groups
+ Leads development of team procedures and governance processes and advises the Compliance stakeholders and teams of changes and enhancements to enterprise Compliance programs and requirements and where they may impact in the organization
+ Provides governance oversight through management of the policy and training exemption governance and reporting processes to the Compliance Senior Executive Team (and related Compliance Sub-Committees)
+ Assists Compliance team members in the use of Issues and Events system for tracking and reporting
+ Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the Compliance program
+ Represents CGO as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiative, as required
+ Delivers relevant subject matter expertise and Compliance advice to business Compliance partners
+ Interacts with control functions within the organization
+ Conducts meaningful research, analysis, and assessment of Compliance program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise Compliance programs
+ Participates in/manages regulatory examinations and external/internal audits with respect to request for information regarding CGO portfolio; reviewing, packaging and providing information for department executive
**Shareholder Accountabilities:**
+ Adheres to enterprise frameworks and methodologies that relate to activities for our business area
+ Makes sure respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
+ Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
+ Manages business operations to be in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
+ Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
+ Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
+ Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
+ Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exists
+ Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues
+ Actively manages relationships within and across various business lines, corporate and/or control functions and manages alignment with enterprise and/or regulatory requirements
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
+ 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 ensures timely communication of issues/points of interest
+ Supports the team by continuously enhancing knowledge/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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
+ 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
**Physical Requirements:**
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
+ Domestic Travel - Occasional
+ International Travel - Never
+ Performing sedentary work - Continuous
+ Performing multiple tasks - Continuous
+ Operating standard office equipment - Continuous
+ Responding quickly to sounds - Occasional
+ Sitting - Continuous
+ Standing - Occasional
+ Walking - Occasional
+ Moving safely in confined spaces - Occasional
+ Lifting/Carrying (under 25 lbs.) - Occasional
+ Lifting/Carrying (over 25 lbs.) - Never
+ Squatting - Occasional
+ Bending - Occasional
+ Kneeling - Never
+ Crawling - Never
+ Climbing - Never
+ Reaching overhead - Never
+ Reaching forward - Occasional
+ Pushing - Never
+ Pulling - Never
+ Twisting - Never
+ Concentrating for long periods of time - Continuous
+ Applying common sense to deal with problems involving standardized situations - Continuous
+ Reading, writing and comprehending instructions - Continuous
+ Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
#LI-AMCBCorporate
**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 ( 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**
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
Global Compliance and Ethics (GCE), is responsible for establishing and maintaining a robust compliance program that ensures American Express is adhering to laws, regulations, and internal policies while fostering a culture of integrity and effective second line independent Compliance oversight.
This position will be specifically dedicated to the Independent Compliance Testing ("ICT") team supporting the Global Risk and Compliance Monitoring & Testing (M&T) function. A successful candidate will have audit or compliance testing experience within a large bank and a focus on control design and effectiveness. The Analyst will perform testing and provide support to the Managers and Directors leading the ICT reviews, including:
**Key Responsibilities:**
+ Assist Managers/ Directors in the execution of assigned M&T tasks in department standards, methodology, budgets, and deadlines for all phases of the testing including planning, fieldwork, reporting and wrap-up.
+ Interview client personnel of all levels to document, understand, and assess process effectiveness, Compliance risks and controls, including control design and effectiveness.
+ Assist in the management of routine client status meetings, testing requests, and other administrative tasks.
+ Assist in the documentation and evaluation of M&T observations and findings and subsequent validation of management's actions taken to address such findings.
+ Work on simultaneous integrated M&T projects for different leaders.
+ Develop and document ideas for analytical control testing to expand the breadth and depth of testing coverage.
+ Develop familiarity with Compliance risk across all lines of businesses, globally.
+ Utilize department and company tools in a proficient manner.
+ Maintain internal M&T competency through ongoing professional development.
**Required Qualifications:**
+ 3 years of experience in audit, monitoring and testing, or risk management in the financial services, banking, or card products industries.
+ Bachelor of Art/Science or equivalent degree.
+ Experience and competency in the assessment of risks, control design and effectiveness and process assessment.
+ Strong written and verbal communication skills.
+ Strong regulatory knowledge of consumer compliance and a strong desire to learn relevant regulations.
+ Strong knowledge of issue management and risk system management.
+ Self-starter along with passion for continuous innovation with a view to drive organizational improvements and impacts.
+ Ability to work with unstructured tasks/ risk pillar and provide a structured output.
+ Experience in analyzing data, interpreting results, identifying potential discrepancies and/or risk and experience with data analytics tools and data visualization.
+ Ability to break down a complex problem into components, solve them by potentially using data analysis, process knowledge and risk/control knowledge, and communicate data analysis, issues and control recommendations with transparency and integrity.
+ Possess a strong understanding of banking systems and processes, strong computer knowledge, and excellent MS Word, Excel, Visio, and PowerPoint skills.
+ Excellent storytelling and visualization skills.
+ Demonstrated integrity, innovation, teamwork, and excellence.
**Preferred Qualifications:**
+ Proficiency in Fair Lending, Financial Crimes, marketing offer fulfillment and UDAP/UDAAP requirements, Privacy, Compliance Risk Assessment, general regulatory knowledge, issue management, and risk system management.
+ Advanced degree in Accounting, or another related field.
+ Relevant M&T and compliance professional certifications are preferred (Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA) etc.) Certified Fraud Examiner (CFE) etc.
+ Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization is a plus.
+ Demonstrative experience with databases, SQL, and data manipulation. Experience with MS Excel, MIS, business intelligence tools or other data presentation experience. Familiarity with python or other scripting languages.
**Qualifications**
Salary Range: $55,000.00 to $105,000.00 annually bonus benefits
The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ 6% Company Match on retirement savings plan
+ Free financial coaching and financial well-being support
+ Comprehensive medical, dental, vision, life insurance, and disability benefits
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
For a full list of Team Amex benefits, visit our Colleague Benefits Site .
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
US Job Seekers - Click to view the " Know Your Rights " poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.
**Job:** Compliance
**Primary Location:** US-Utah-Sandy
**Other Locations:** US-Arizona-Phoenix, US-Florida-Sunrise
**Schedule** Full-time
**Req ID:**

**Work Location:**
Mount Laurel, New Jersey, United States of America
**Hours:**
40
**Pay Details:**
$86,840 - $139,360 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:**
**Why Work with Us?**
At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization.
**The Ideal Candidate:**
The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.
Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.
Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. management areas, broader organization, and enterprise as appropriate.
**U.S. Compliance Monitoring and Testing provides governance, oversight, and support for central elements of the U.S. Compliance Monitoring and Testing Program, including:**
+ Lead strategic planning efforts and support U.S. Compliance Monitoring and Testing in defining the long-term vision, priorities, and success measures for the program.
+ Develop management routines, operating frameworks, and program governance models to ensure consistent execution and alignment with compliance leadership objectives.
+ Identify and assess opportunities for continuous improvement across U. S. Compliance Monitoring and Testing Programs and influence execution in collaboration with vertical leads.
**The U.S. Compliance Monitoring and Testing team works directly with the Bank's Compliance Units, Compliance Testing, and Oversight Functions to develop and manage the annual monitoring plan for the US, , including, reports on regulatory themes and potential gaps in coverage, and creates standards and procedures for the US Compliance Monitoring and Testing Program.**
**The position requires a high level of compliance knowledge with consumer related laws and regulations, an ability to work both individually and as a team, strong analytical skills, and attention to detail.**
The above details are specific to the role which is outlined in the general description below.
**Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances.**
**Job Summary:**
The Compliance Governance & Operations Manager leads the development and implementation (or lead support) of enterprise Compliance programs, including frameworks, policies, standards and development of procedures, awareness and specialized training, monitoring, reporting and information, escalation of issues and events.
**Depth & Scope:**
+ Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas
+ Integrates knowledge of the enterprise sub-function's or business line's overarching strategy in developing solutions across multiple functions or operations
+ Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
+ Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty; may manage team(s) of related specialists
+ Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
+ Independently manages end-to-end functional programs
+ Uses sophisticated analytical thought to exercise judgement and identify solutions
+ Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
+ Impacts the achievement of sub-function or business line objectives within the area they are accountable for
+ Work is guided by policies and industry standards/methods
+ Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
+ Works autonomously as the lead and guides others within area of expertise
**Education & Experience:**
+ Undergraduate degree or equivalent work experience
+ 7+ years of experience
**Preferred Background & Experience:**
+ **CRCM certification preferred**
+ **Knowledge and experience with risk management environment, standards, and regulations.**
+ **Knowledge and experience within compliance or audit, legal and regulatory environment, enterprise governance framework, products and services, policies, standards, systems, reporting and training requirements**
+ **Knowledge of current and emerging trends, including regulatory expectations and standards for effective compliance management systems**
+ **Ability to research, interpret and summarize relevant regulatory expectations, laws, regulations and impacts to Compliance Program elements**
+ **Skill in using computer applications including MS Office and Tableau**
+ **Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques**
+ **Ability to independently identify, assess, and escalate issues requiring senior management attention.**
**Customer Accountabilities:**
+ Works with Compliance partners and other related groups (such as Legal and Risk) to support creation of documentation and reports required by external regulatory bodies and TD internal groups
+ Leads development of team procedures and governance processes and advises the Compliance stakeholders and teams of changes and enhancements to enterprise Compliance programs and requirements and where they may impact in the organization
+ Provides governance oversight through management of the policy and training exemption governance and reporting processes to the Compliance Senior Executive Team (and related Compliance Sub-Committees)
+ Assists Compliance team members in the use of Issues and Events system for tracking and reporting
+ Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the Compliance program
+ Represents CGO as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiative, as required
+ Delivers relevant subject matter expertise and Compliance advice to business Compliance partners
+ Interacts with control functions within the organization
+ Conducts meaningful research, analysis, and assessment of Compliance program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise Compliance programs
+ Participates in/manages regulatory examinations and external/internal audits with respect to request for information regarding CGO portfolio; reviewing, packaging and providing information for department executive
**Shareholder Accountabilities:**
+ Adheres to enterprise frameworks and methodologies that relate to activities for our business area
+ Makes sure respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
+ Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
+ Manages business operations to be in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
+ Participates in cross-functional/enterprise/initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
+ Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
+ Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
+ Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exists
+ Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues
+ Actively manages relationships within and across various business lines, corporate and/or control functions and manages alignment with enterprise and/or regulatory requirements
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
+ 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 ensures timely communication of issues/points of interest
+ Supports the team by continuously enhancing knowledge/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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
+ 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
**Physical Requirements:**
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
+ Domestic Travel - Occasional
+ International Travel - Never
+ Performing sedentary work - Continuous
+ Performing multiple tasks - Continuous
+ Operating standard office equipment - Continuous
+ Responding quickly to sounds - Occasional
+ Sitting - Continuous
+ Standing - Occasional
+ Walking - Occasional
+ Moving safely in confined spaces - Occasional
+ Lifting/Carrying (under 25 lbs.) - Occasional
+ Lifting/Carrying (over 25 lbs.) - Never
+ Squatting - Occasional
+ Bending - Occasional
+ Kneeling - Never
+ Crawling - Never
+ Climbing - Never
+ Reaching overhead - Never
+ Reaching forward - Occasional
+ Pushing - Never
+ Pulling - Never
+ Twisting - Never
+ Concentrating for long periods of time - Continuous
+ Applying common sense to deal with problems involving standardized situations - Continuous
+ Reading, writing and comprehending instructions - Continuous
+ Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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**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 ( 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**
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.