Michael Innis-Thompson

Michael Innis-Thompson is Senior Vice President, Head of Community Lending & Development and the Fair Lending Center of Excellence (FLCoE) at TD Bank, America's Most Convenient Bank©, where he drives TD's Community Reinvestment Act (CRA) operational strategy and execution across the Consumer and Commercial Banks. He is also responsible for building and directing TD's CRA and multicultural lending strategy for Mortgage and Home Equity, which includes strategic development and evolution of the community mortgage sales origination model, enhancement of product offerings and the development of marketing and channel strategies to better serve low- to moderate-income and multicultural communities. As the Head of TD's FLCoE, Michael supports our 1st Line of Defense and Fair Banking Compliance partners in the ownership and risk management of fair & responsible banking risks. Additionally, he provides fair lending subject matter expertise and guidance, ensures standardized reporting, and oversees end-to-end product and bank-wide fair lending risks. Prior to joining TD Bank, Michael was the Managing Director for Community Lending & Investor Relations at MUFG Union Bank, where he conceptualized and stood up a new business unit where lending to low -and moderate-income and multicultural communities was implemented as a strategic initiative. Previously, he was Chief Compliance Officer for the Residential Lending Division, where he led the successful transformation of the compliance culture and function during the most comprehensive financial regulatory reform measures that were mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act. Earlier, as Business Development Executive for Bank of America, Michael led the affordable lending strategy and program for Home Loans. Additionally, as Fair Lending Executive for Home Loans, he built a best-in-class, risk-based fair lending program for mortgage banking, credit card, direct/indirect auto finance, small business and student lending, harnessing technology and data to optimize the program. Michael's earlier experience includes Senior Director, Expanding Markets at Freddie Mac, Fair Lending Risk Management at Wells Fargo and Head of Regulatory Compliance for Mellon Mortgage Company. He holds a Bachelor of Arts degree in Mathematics from Rutgers University.