Financial Crime Risk Investigator II (4769)

Work Location:

Hours:

Line of Business:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

Job Description:
As a sole contributor, the Financial Crime Risk Investigator II will be the first stage in undertaking a preliminary assessment of inbound referrals from a variety of sources, including but not limited to Production Orders, GRIDs or other law enforcement referrals, to determine if they warrant further investigation for potential financial crime risk, or where an investigation is not warranted and recommended for closure. The Investigator will also evaluate high-priority and sensitive referrals that require additional in-depth analysis that may require communicating with senior management. This position requires experienced AML knowledge to make judgement-based decisions based on early fact finding of intake materials, determine risk rating, tracking, and routing to the appropriate team to undertake further investigation.  They will be comfortable making informed decisions, assessing risk ratings, documenting the rationale for the decisions, and managing high volume intake to ensure timely case assignment with appropriate investigators and will also take the lead in training newly hired employees.  These investigators hold a multi-disciplinary skillset allowing them to pivot to assess cases from a variety of sources as needed meeting the demands of TD's efforts to detect financial crime using various sources. 

Key Accountabilities:

• Assess inbound referrals for risk exposure and red flags for financial crime risks at TD.
• Undertake basic research including open source, internal bank system and high level transactional assessment to quickly determine if additional investigation is warranted and at what level of complexity.
• Ensure cases are tracked for their risk rating, and rationale for decisions is appropriately documented.  Leverage AML knowledge, training, and sound judgement to assess cases. 
• Meet required tight SLAs
• Recommend any early mitigation required. 
• Provide thematic recommendations on intake sources to drive ongoing improvement in quality of referrals.
• Lead in training of new colleagues
• Assist in time sensitive ad hoc requests. 

Depth & Scope:

• Works as part of a team dealing with fast paced, high volume and time sensitive deliverables.  
• Close working relationship with other teams in AML for risk mitigation and shared casework
• Leveraging strong judgement across casework considering a variety of factors to assess risk, which can be uncertain.
• Ensures well-articulated outcomes support the sound judgement used to disposition outcomes.    
• Importance of strong written and verbal communication skills
• High volume of intake requiring exceptionally strong organization skills

Department:
This role is part of TD's Financial Crime Risk Management (FCRM) team in the Financial Intelligence Unit High Risk Investigations team.  The broader team undertakes high risk investigations to detect, report and mitigate financial crime, as well as to proactively adapt to emerging financial crime risks in TD's efforts to protect the bank and its customers from financial crime, as well as in its role contributing to the broader AML efforts externally in collaboration with the industry and with regulators. 

Education & Experience:

• Undergraduate degree
• 4+ years relevant experience
• Demonstrated experience in banking, AML regulations, or other financial crime roles, including transactional analysis. 
• People and stakeholder management experience.
   

Preferred Qualifications:

• STR writing experience is required
• Understanding of banking and AML regulations. 
• Financial crime designation or proven experience in financial crime risk management. 
• Knowledge of current financial crime risk landscape
• Strong judgement and proven experience applying knowledge in a variety of scenarios that may not always be clear.
• Communication: Excellent verbal and written communication skills with particular experience in writing clearly, including instances of complex materials into succinct reporting.
•  Ability to contribute toward a cohesive team, and promote a positive work environment aligned with TD's welcome culture
• Ability to manage competing priorities and deadlines. 
• Ability to work successfully as a member of a team and independently
• Ability to handle confidential information with discretion

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process 
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):