Summary
Overview
Work History
Education
Skills
Certification
Projects
Key Career Highlights
Timeline
Generic

Erin K. Jones

Somerdale,NJ

Summary

Strategic Risk Management Leader with 10 years of experience in third-party risk, operational risk, and compliance within financial institutions. Expertise in developing governance frameworks and aligning policies with enterprise risk management. Proven ability to lead cross-functional teams and engage effectively with regulatory bodies and executive leadership.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Senior Principal Ethics & Conduct - Ethical Concerns Oversight

Discover Financial Services
Chicago, IL
01.2023 - Current
  • Led initiatives to ensure organizational integrity and mitigate ethical risks. Managed the Integrity Hotline Program and directed investigation oversight.
  • Led Integrity Hotline Program with 500+ annual reports, ensuring thorough investigation oversight and escalation. Streamlined reporting processes, improving the visibility of key ethical concerns for the Board and Executive leadership.
  • Developed and implemented enhanced reporting mechanisms, identifying compliance trends and enabling proactive risk mitigation strategies. This led to more informed decision-making by leadership and a reduction in compliance incidents.
  • Spearheaded Conflict-of-Interest Program, introducing technology solutions for enhanced oversight and operational efficiency in conflict detection and reporting, enabling better management of potential ethical risks.
  • Enhanced stakeholder engagement through collaboration with investigative teams and risk reporting groups, fostering transparency and a culture of trust and accountability across the organization.
  • Developed quarterly Board reports, equipping senior leadership with timely, actionable insights on ethical concerns to support the bank's legal and financial protection.

Senior Compliance Oversight Manager - Consumer Compliance

TD Bank
Mt. Laurel, NJ
01.2021 - 01.2023
  • Led strategic compliance initiatives across multiple consumer-facing business lines, ensuring adherence to regulatory requirements and driving operational efficiency. Collaborated with business stakeholders and managed compliance projects to mitigate risk and ensure the alignment of business processes with evolving regulations. Played a key role in ensuring the bank's commitment to regulatory compliance and operational integrity.
  • Led three compliance projects, including regulatory process mapping, ensuring business processes aligned with regulatory requirements and supporting quarterly compliance testing outcomes.
  • Conducted comprehensive evaluations of policies, procedures, and customer-facing documents, ensuring alignment with applicable regulations and reducing compliance risks, leading to the closure of audit and regulatory exam findings.
  • Advised on simplification of online account opening and E-signature processes, streamlining customer steps and reducing error rates in branches while ensuring compliance with Reg E, Reg CC, Reg DD, and other regulations.
  • Collaborated with the first line of defense to validate quarterly testing and audit responses, proactively identifying issues before regulatory exams and improving audit outcomes.
  • Engaged with stakeholders across front and back-office operations to improve compliance processes, enhancing operational efficiency and minimizing compliance errors.

Senior Manager - Third-Party Risk Management

TD Bank
Mt. Laurel, NJ
01.2017 - 01.2021
  • Led a dynamic team of professionals in the management of the organization's Third-Party Risk Management (TPRM) program. Oversaw the end-to-end lifecycle of vendor and third-party risk assessments, ensuring robust compliance with regulatory frameworks and mitigating risks associated with third-party relationships.
  • Directed team in addressing complex third-party risk assessment challenges and validating protocols, resulting in effective implementation of risk mitigation strategies.
  • Played a key role in overseeing the organization's TPRM function, ensuring alignment with regulatory frameworks and effectively addressing audit findings, resulting in improved operational performance and compliance standards.
  • Optimized processes by integrating manual workflows into the Coupa Risk platform, automating the criticality questionnaire process and annual attestation of risk profiles, reducing reporting errors and saving time, while ensuring compliance with regulatory audit requirements.
  • Strengthened contract language during annual review of third-party agreements, enhancing audit rights and addressing deviations to ensure adherence to regulatory requirements.
  • Led escalation process for complex third-party risk assessments, guiding first line of defense in effective risk management.
  • Collaborated across business lines to streamline processes, improve efficiency, and enhance risk reporting mechanisms.
  • Fostered a collaborative team environment, overcoming challenges related to team locations and resistance to program changes, resulting in improved decision-making capabilities.

Senior Compliance Specialist - Compliance Governance and Assurance

TD Bank
Mt. Laurel, NJ
01.2016 - 01.2017
  • Led preparation for 10+ annual regulatory exams and audits, coordinating compliance and risk teams. Initiated lessons learned sessions that identified process improvements, reducing audit findings and strengthening relationships with examiners.
  • Acted as the principal point of contact for leading comprehensive audit preparation and meeting regulatory requirements. Coordinated cross-functional teams to support the success of regulatory exams, audits, and internal assessments, while driving continuous improvements in compliance programs. Collaborated closely with stakeholders to enhance the bank's compliance infrastructure and support strategic decision-making with data-driven insights.
  • Played a key role in evaluating the efficacy of compliance programs, collaborating with stakeholders to pinpoint areas for optimization and streamlining, which led to improved adherence to regulatory standards and reduced compliance risks.
  • Managed comprehensive repository of 100+ compliance policies and procedures, ensuring timely updates and alignment with evolving regulatory requirements to enhance bank's responsiveness.
  • Implemented standardized templates for audit presentations and responses, reducing rework and improving focus on high-risk areas for faster audit resolutions.
  • Conducted compliance analyses using data from annual risk assessments to inform Chief Compliance Officer's report, providing insights that shaped bank's compliance strategy.

Senior Paralegal - Legal Department

TD Bank
Mt. Laurel, NJ
01.2013 - 01.2016
  • Played a key role in the Retail Money In initiatives, supporting innovation and operational efficiency by ensuring legal compliance across multiple banking operations. Provided essential legal and regulatory support to business units, conducted in-depth research on new regulations, and resolved escalated consumer issues. Acted as a central liaison for legal escalations within the Retail Money In framework, ensuring consistency and compliance across retail banking channels.
  • Updated retail banking process library for front and back-office operations supporting Retail Money In initiatives. Enhanced legal compliance in business account opening, trust account maintenance, and power of attorney review, leading to reduced errors and improved management of customer accounts.
  • Streamlined business account opening process by clarifying documentation requirements, improving frontline team's accuracy in processing accounts, leading to fewer errors.
  • Conducted comprehensive regulatory research, including 50-state surveys on Power of Attorney, Trust Account Documents, and Estate Document requirements, providing actionable insights that reduced legal risk and financial loss while enhancing customer service.
  • Supported regulatory compliance for E-Sign and Regulation E requirements, ensuring bank processes adhered to current regulations.
  • Analyzed and resolved over 100 annual regulatory and high-risk customer complaints to ensure compliance., analyzing trends to identify emerging risks.
  • Updated process libraries, led training sessions, and ensured effective escalation procedures to support 1300 retail branches, reducing people risk and enhancing compliance across network.

Education

Bachelor of Science - Legal Studies

Wilmington University
New Castle, DE

Associate of Science - Paralegal Studies

Rowan College At Gloucester County
Sewell, NJ

Skills

  • Operational and compliance oversight
  • Audit and regulatory compliance
  • Third-party risk management
  • Risk assessment methodology
  • Enterprise risk management
  • Operational risk management
  • Risk mitigation strategies
  • Compliance monitoring
  • Data-driven risk analysis
  • Program implementation
  • Process improvement
  • Strategic leadership
  • Critical thinking

Certification

• Certified Compliance & Ethics Professional (CCEP), 09/2023
• Compliance Essentials, American Bankers Association, 08/2024
• Risk Management Frameworks, American Bankers Association, 09/2024
• Deposit Compliance, American Bankers Association, 09/2024
• BSA and AML Certificate, American Bankers Association, 11/2024
• Supply Chain Logistics, Rutgers the State University of New Jersey, 07/2022
• Supply Chain Sourcing, Rutgers the State University of New Jersey, 07/2022

Projects

Third Party Risk Assessment

  • Integrated an advanced risk assessment methodology across the enterprise, enhancing the identification of high-risk relationships and streamlining low-risk relationships, leading to stronger vendor contracts and better oversight.
  • Collaborated with 15+ control partners (AML, Cyber Risk, Compliance, Legal, etc.) to ensure alignment with program prerequisites, improving risk mitigation and enterprise-wide compliance.
  • Automated manual processes in the Coupa Risk platform, reducing people risk, improving efficiency, and ensuring audit-ready documentation.
  • Delivered annual presentations to regulators, resulting in faster program approvals and stronger regulatory relationships.

Compliance Risk Assessment

  • Led the implementation of the Compliance Risk Assessment review process, ensuring alignment with regulatory mandates and company policies, and identifying key risk areas for operational improvement.
  • Reviewed line of business risk assessments, provided effective challenges based on previous year's oversight, and delivered actionable insights that informed the Chief Compliance Officer's annual opinion and strategic focus for the upcoming year.
  • Tracked and reviewed compliance monitoring plans for 75+ quarterly testing lines, ensuring comprehensive risk coverage and timely execution to meet regulatory obligations. Provided approval and challenge to plans, improving test accuracy and overall compliance outcomes.
  • Pinpointed emerging risks based on regulatory changes (e.g., consent orders, new legislation) and developed mitigation strategies. Recommended technology updates and staffing adjustments, helping leadership understand funding requirements and reducing risk exposure.
  • Optimized business practices by proactively assessing compliance gaps and providing targeted recommendations, leading to strengthened compliance measures across various business domains.

Key Career Highlights

  • Led and Enhanced Third-Party Risk Management Programs: Spearheaded the Third-Party Risk Management (TPRM) program at TD Bank, overseeing team members and driving the development of a more robust program to identify and mitigate vendor risks.
  • Impactful Leadership in Ethics & Compliance: Managed the Integrity Hotline Program, overseeing 500+ reports annually, ensuring proper escalation, investigation, and reporting to the Board. Enhanced Conflict-of-Interest (COI) program operations.
  • Process Innovations and Risk Mitigation: Innovated key processes within third-party risk management by automating risk assessments and improving contract language. Revised audit right clauses and facilitated contract deviation councils, ensuring stronger compliance across the organization.
  • Stakeholder Engagement and Audit Collaboration: Worked closely with regulatory bodies and internal stakeholders to ensure compliance and risk mitigation strategies were aligned. Provided quarterly reporting and annual presentations to regulators, resulting in positive feedback and streamlined regulatory approvals.

Timeline

Senior Principal Ethics & Conduct - Ethical Concerns Oversight

Discover Financial Services
01.2023 - Current

Senior Compliance Oversight Manager - Consumer Compliance

TD Bank
01.2021 - 01.2023

Senior Manager - Third-Party Risk Management

TD Bank
01.2017 - 01.2021

Senior Compliance Specialist - Compliance Governance and Assurance

TD Bank
01.2016 - 01.2017

Senior Paralegal - Legal Department

TD Bank
01.2013 - 01.2016

Bachelor of Science - Legal Studies

Wilmington University

Associate of Science - Paralegal Studies

Rowan College At Gloucester County

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Erin K. Jones