Head of FCRM Regulatory Liaison & Monitor Response Lead (US)

Line of Business:
Financial Crime Risk Management
Job Description:

The Head of FCRM Regulatory Liaison & Monitor Response Lead plays a pivotal role in the Bank's regulatory remediation and consent order response efforts. This role is responsible for leading the intake, coordination, and delivery of responses to the external Monitor and other regulatory stakeholders, with a particular focus on the high volume and complexity of inquiries related to the Bank's BSA program.

This role acts as a central point of contact for all monitor-related matters, ensuring clear communication, issue tracking, and timely escalation. This role collaborates with Internal and External Counsel, Compliance, Risk, Remediation Office, Technology, Operations, and Business partners to ensure that responses are accurate, complete, and aligned with regulatory expectations.

Depth & Scope:

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
• Serves as the primary coordinator for all monitor requests, including data, documentation, interviews, and follow-up inquiries
• Establishes and maintains a centralized response protocol (e.g., intake, tracking, validation, and delivery) to manage large volumes of requests efficiently
• Works closely with the Monitor, regulators, and internal stakeholders to ensure transparent, constructive interactions
• Develops and maintains a response repository to ensure consistency, reuse, and quality control of prior submissions
• Partners with BSA/AML leadership, legal, and risk teams to ensure strategic alignment and prioritization of monitor engagements
• Facilitates subject matter expert (SME) alignment for interviews, walkthroughs, and ad hoc requests, ensuring readiness and message consistency
• Prepares senior leadership briefings and updates regarding monitor activities, response timelines, and emerging risks or themes
• Identifies gaps or bottlenecks in the monitor response process and recommend enhancements to workflows or resourcing
• Leads the drafting, editing, and quality assurance of complex submissions, ensuring regulatory tone, accuracy, and alignment with the Bank's remediation roadmap
• Ensures document retention, version control, and defensible audit trails for all correspondence with the Monitor
• Coordinates with PMO teams to align monitor responses with broader remediation milestones and program reporting
• Provides regular reporting to the Chief BSA Officer, AML leadership, and Board-level committees on monitor-related metrics, challenges, and achievements
• Acts as liaison for external auditors, consultants, or legal counsel supporting remediation efforts

Education & Experience:

• Bachelor's degree or equivalent experience
• 10+ years of experience in BSA/AML compliance, regulatory relations, legal, or risk management
• Prior experience responding to a consent order or working directly with a regulatory monitor is strongly preferred
• Excellent writing, communication, and document management skills
• Deep understanding of U.S. AML regulatory expectations (e.g., BSA, FinCEN, OCC, FRB, FDIC)
• Strong project management and coordination skills, especially in high-pressure, fast-paced environments

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.

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

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

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 USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.