TD Bank Jobs

Job Information

TD Bank Fair Lending Credit Product Manager - Consumer Lending in Mount Laurel, New Jersey


Job Title:

Fair Lending Credit Product Manager - Consumer Lending

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit . Find TD Bank on Facebook at and on Twitter at and .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit .

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Auto req ID:


Department Overview:

Day to day responsibilities include:-

• Primary point of contact for 1st Line of Defense fair lending subject matter expertise, support, and guidance on fair lending related matters for TD's consumer credit lines of business to promote a culture of fair lending and compliance with the ECOA, FHA, other applicable fair lending laws and regulations

• Provides continuous support to business units with all matters relating to fair lending, including root cause analysis and implementation of any necessary corrective actions

• Engages with business units to assess adequacy of fair lending controls and first-line monitoring efforts.

• Collaborates with business units and leadership to provide consistent and accurate guidance and assistance for continuous improvement of the business units’ fair lending monitoring and controls

• Assists with ongoing support and education to business units regarding emerging fair lending risks and regulatory guidance and/or changes impacting the bank

• Support business units with proactive self-identification of fair lending compliance risks and ongoing self-identification of fair lending compliance gaps or weaknesses in business unit processes

• Supports development of supplemental fair lending training as required


United States, US TD Footprint

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.

Serves as an expert providing a foundation of knowledge to guide decisions throughout the product definition and launch

Determines effective ways to deliver a complete solution to an identified product problem and looks for ways to fill gaps

Performs objective analysis of potential market opportunities and articulates learning's to quantify the risk, including a financial model

Designs, maintains and enhances the Company's existing and new product line pricing structures, strategies and tactics to meet changing environment, customer preference and revenue targets

Ensures prices and programs comply with Company pricing strategy and constantly monitor profitability and key drivers taking action as necessary to improve results

Develops analytical processes and evaluates pricing data on a daily basis

Implements pricing processes for modeling, volume forecasting and measurement to identify key performance indicators; Develops tools and models that would allow testing of price elasticity.; Works with Research and Risk management to ensure profitability goals, customer needs and that credit decisions optimize risk/rewards

Manages the product management budget for specific products to ensure objectives can be achieved within budget and meets or exceeds profit and loss goals; Identifies changes in expenses and works to manage them to meet revenue goals

Evaluates the presence and relative importance of key product deliverables

Establishes annual business and expense plans for each product and monitors results adjusting the plan to meet the changing environment and budget targets as necessary

Becomes the expert on the financial/banking market and its customer needs

Describes the Company's unique ability to deliver value while differentiating itself from competitive offerings

Ensures continuous growth of self and staff

Leads conversion efforts of products, services, programs and offers of acquired company into overall Company product offerings; May personally lead more complex projects involving necessary key business partners and personnel from acquired company, ensuring smooth transition

Ensures training is designed through the training department and others to educate appropriate staff on re-engineered or new products to support effective introductions of new initiatives

Ensures all products are in compliance and meet all regulatory requirements



Job Description:

The Product Manager II is responsible for the continuous improvement and end to end management of assigned Company products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Company profit and loss objectives.


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the 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 application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.


Connecticut, District of Columbia, Delaware, Florida, Georgia, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont, TD Footprint


Atlanta, Baltimore City, Boston, Burlington, Charlotte, Cherry Hill, Concord, Fairfield, Greenville, Miami, Mount Laurel, New York, Philadelphia, Portland, Providence, TD Footprint, Vienna, Washington, Wilmington


Bachelor's degree or progressive work experience in addition to experience below

7+ years related experience required

Travel may be required

Demonstrated experience and success in product design in a financial/banking environment

Strong communication, problem-solving and decision making skills with ability to effectively communicate with senior managers

Demonstrated ability to build strong collaborative business relationships

Proven ability to negotiate and apply skills to exercise influence over others decisions without express authority and influence change

Demonstrated experience in project management and building project plans and presentations

Proven understanding of product pricing and financial statements

Ability to think both tactically and strategically moving through both fluidly

Demonstrated leadership skills

Preferred Skills:

Proficient in Fair Lending Laws

Familiar with Fair Lending issues affecting Small Business, Unsecured and Residential Lending

Fair Lending Compliance experience would be a plus

Work Location:

4140 Church Road

Business Line:


Job Category - Primary:

Retail Banking - Management

Job Category(s):

Retail Banking - Management

State (Primary):

New Jersey

State #2:

New York

State #3:


State #4:


State #5:


State #6:

South Carolina

State #7:


State #8:

New Hampshire

State #9:


State #10:


City (Primary):

Mount Laurel

City #2:

New York

City #3:


City #4:


City #5:


City #6:


City #7:


City #8:


City #9:


City #10:


Job Family:

TD Product Management

Time Type:

Full Time

Employment Type:


Hours/Availability Detail:


Job Searches Match:


State #11:


State #12:


State #13:


State #14:

Rhode Island

State #15:

District of Columbia

State #16:

North Carolina

State #17:




City #12:

Baltimore City

City #13:


City #14:


City #15:


City #16:


City #17:


Pay Range:

$108,160 - $175,760 annually

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.