Senior Compliance Consultant

The Senior Compliance Consultant is a senior subject matter expert and leader providing compliance advisory and independent oversight support to the Canada Segment Individual Insurance, Group Benefits and Affinity businesses. The role interprets complex regulatory requirements, serves as an escalation point for compliance matters, supports oversight and monitoring activities, and collaborates with business and oversight partners on cross-segment and global initiatives. Leveraging extensive industry, regulatory, product, distribution, and operational expertise, the role provides practical, risk-based guidance, promotes consistent compliance practices, strengthens risk management capabilities, and influences stakeholders across multiple business and oversight functions. Position Responsibilities : · Develop, implement, and maintain compliance programs, policies, procedures, and oversight activities that help the Canada Segment Individual Insurance and Affinity businesses meet regulatory and risk-based compliance requirements. · Interpret legislation, regulations, industry rules, guidelines, regulatory expectations, and emerging risks, and translate requirements into clear, practical guidance for business partners and compliance colleagues. · Serve as a subject matter expert and escalation point for complex compliance matters, applying independent judgment and providing practical, risk-based recommendations that support informed business decisions. · Lead or coordinate significant compliance initiatives, regulatory change implementation activities, compliance reviews, control testing, and other oversight activities involving multiple stakeholders. · Use AI-enabled tools, data analytics, reporting insights, automation, and process improvement to improve the speed, quality, consistency, and scalability of compliance oversight, monitoring, and reporting. · Partner with Compliance, business partners, Legal, Internal Audit, and other oversight partners to drive consistent interpretation, clear ownership, proactive communication, independent challenge, timely escalation, and practical resolution of compliance risks and issues. · Influence business, project and compliance outcomes through subject matter expertise, effective stakeholder engagement and leadership without direct authority. · Represent Compliance on business, cross-segment, global, and regulatory initiatives and forums, bringing forward insights into regulatory expectations, emerging risks, and industry practices. · Assess compliance risks, evaluate the effectiveness of compliance-related controls and procedures, and recommend mitigation, remediation, and control enhancement strategies, including escalation where appropriate. · Provide informal leadership through mentoring, coaching, knowledge sharing, training and continuous improvement initiatives to strengthen team capability and effectiveness. · Develop and deliver targeted compliance training and awareness programs for business partners. · Prepare, and deliver compliance reporting, metrics, and analysis · Support audits, regulatory examinations, investigations, and other oversight reviews. Core Skills & Competencies: · Strong analytical, investigative, interpretive, problem-solving, and critical-thinking skills. · Excellent verbal, written, and presentation skills, with the ability to communicate complex information clearly and concisely to diverse audiences. · Strong interpersonal and relationship-management skills, with the ability to build credibility and maintain effective relationships across all levels of the organization. · Excellent organizational, prioritization, and time-management skills with the ability to manage multiple priorities in a fast-paced environment. · Demonstrated ability to work independently while exercising sound judgment and maintaining a high degree of ownership and accountability. · Strong project management skills and the ability to lead and coordinate complex initiatives. · Strong coaching, mentoring, and facilitation skills. · Ability to use data-driven insights, analytics, and AI-enabled tools to identify trends, prioritize work, improve oversight quality, and support consistent decision-making. · Ability to collaborate across Compliance teams and first and second line partners to promote shared understanding, proactive communication, consistency, and scalable solutions. · Demonstrated ability to influence business decisions and drive outcomes through expertise, credibility, and effective stakeholder engagement. · Strong relationship-management skills with the ability to build trust, challenge constructively, and collaborate across business and oversight functions. · Proven ability to lead complex initiatives, drive change, and promote continuous improvement without direct authority. · Enterprise mindset with the ability to consider broader business, customer, regulatory, operational, and reputational impacts. Strategic Impact & Key Challenges: · Provide senior-level compliance expertise, leadership and influence that supports business enablement, effective risk management, and consistent application of the compliance framework. · Anticipate and assess emerging regulatory developments, compliance risks, and cross-functional impacts, translating them into practical and scalable oversight responses. · Leverage analytics, AI-enabled tools, automation, and process improvements to enhance compliance oversight and decision making. · Balance business objectives with regulatory obligations by providing sound judgment, and practical solutions in a complex, multi-jurisdictional environment. · Handle sensitive and complex matters where failure to identify, assess, escalate, or remediate compliance risks could result in regulatory, financial, reputation risks Required Qualifications : · 7 + years of progressive compliance experience in the financial services industry, preferably in insurance. · University degree; industry courses or professional certifications are an asset. · Advanced knowledge of insurance products, distribution channels, operations, and associated regulatory requirements, industry practices and associated compliance risks. · Demonstrated professional judgment, integrity, and adherence to high ethical standards. · Experience using data, analytics, reporting tools, and AI-enabled solutions to support compliance monitoring, oversight, risk assessment, and process improvement. · Bilingualism (English and French) is an asset. For positions based in Quebec, proficiency in both English and French will be required to support our business partners across Canada. When you join our team: We’ll empower you to learn and grow the career you want. We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words. As part of our global team, we’ll support you in shaping the future you want to see. #LI-JH #LI-Hybrid The role being advertised is an existing vacancy. About Manulife and John Hancock Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html . Manulife is an Equal Opportunity Employer At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law. It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact hr@manulife.com . Referenced Salary Location Toronto, Ontario Working Arrangement Hybrid Salary range is expected to be between $92,900.00 CAD - $142,900.00 CAD Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact hr@manulife.com for the salary range for your location. Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact hr@manulife.com for more information about U.S.-specific paid time off provisions. We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement .