AVP, RCM Program Governance

We are hiring for this position out of our Toronto, Vancouver and Calgary offices. Successful candidates who apply outside of these areas will be expected to relocate and reside in a location that is within a commutable distance.

Reporting to the Chief Compliance Officer (CCO), the AVP RCM Program - Governance is a people leader role responsible for designing, developing and enhancing the organization’s regulatory compliance framework. This includes ensuring adherence to all applicable regulatory requirements across Peoples Group, including but not limited to:
Financial Crimes, Payments, Consumer Protection, Prudential, Privacy and Governance requirements.

The role requires strategic leadership, deep regulatory knowledge, and the ability to work cross‑functionally with legal, risk, business lines, operations, and technology teams.

• Lead the development and design of the RCM Program, in alignment with OSFI E-13 Guideline; applies across the enterprise.
• Design, enhance, communicate and train employees across the enterprise on key RCM Program artefacts (policies, framework, procedures) to ensure Regulatory Requirements are identified, assessed, communicated and mitigated. Topics include (but not limited to):
• Regulatory Requirements Universe, including all payments network requirements.
• Risk‑assessment and aggregation methodologies enabling a risk‑based approach to managing Regulatory Requirements and control environment, in alignment with the Enterprise Risk Management Framework.
• Regulatory Compliance issue management guidance and rating methodology.
• Monitoring and Testing activities and risk‑based frequency approach.
• Training for employees assigned to compliance responsibilities, ensuring they have appropriate skills and knowledge of the business and regulatory environments for effective regulatory compliance management activities.
• Reporting to Senior Management and Board Committee providing clear understanding of exposure to regulatory compliance risks and the adequacy of controls to manage those risks.
• Change events management which may necessitate the review of RCM Program artefacts; these events may include new and/or amended Regulatory Requirements arising from a change of law or regulation (Reg Watch), any initiative (including new/amended products) implemented by any line of business or changes to corporate structure.
• Governance:
  Responsible for the implementation of key activities related to three lines of defense approach, including:
• Organize Senior Management Committees related to RCM.
• Oversee operationalization of first line of defense accountability of Regulatory Compliance risks in their operations.
• Implement Oversight Functions accountable for independent oversight, monitoring and effective challenge, as delegated by the CCO.
• Regulatory Compliance Risk Appetite:
  In accordance with the Risk Appetite Framework, develop and set risk tolerance limits and key performance indicators to ensure adherence to Regulatory Requirements and supervisory expectations and manage risks related to non‑compliance are effectively identified, assessed and mitigated.
• Privacy Program:
  Responsible for the design and implementation of the Privacy Program across the enterprise.
• Collaborate closely with key stakeholders across the enterprise to maximize efficiency of RCM Program design; key stakeholders include, but not limited to: CAMLO, Chief Privacy Officer, Corporate Secretary, CCO team colleagues, Risk Management peers and Business Risk Management.

• 10+ years of experience in Payments / Compliance related roles.
• Deep understanding of global payment systems and regulatory frameworks.
• Strong leadership, communication, and stakeholder management skills.
• Experience with fintech, banking, or card networks is highly desirable.
• Extensive experience in designing and managing comprehensive compliance programs within highly regulated industries such as financial services or technology‑driven sectors.
• Proven track record of collaborating effectively with cross‑functional teams to implement policies that balance operational efficiency with strict adherence to legal requirements.
• S…