Financial Crime Risk Investigator II IERT (FCI) 4768

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:

Conduct investigations of moderate complexity for both internal and external cases. Recommend for demarket and/or freezing accounts by the appropriate investigative unit. Conduct adjudications of moderate complexity.  

May provide QA/review and mentorship of a team.

Applies reasonable grounds to suspect money laundering and terrorist financing.

RESEARCH & ANALYSIS

• Conduct investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations. Undertake customer demarkets and suspicious transaction reporting (STR) as required.
• Conduct data analysis, manipulation and interpretation looking for patterns and anomalies. Undertake focused and meaningful research, analysis, and assessment of financial crime threats to identify potential exposure points for the Bank and their impact on enterprise controls.
• Initiate investigations and/or conduct data analysis concerning emerging AML and Sanctions/ABAC risks. Monitor industry and typologies risk and trends and share knowledge with appropriate stakeholders. Ensure typologies/red flags are assessed against the Bank's risk appetite and that areas of concern are identified for proactive analysis.
• Prepare and deliver AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned.
• Work with business partners to define data requirements for analysis, and to understand data availability and quality, sources of potential data (internally and externally) and key variables to be used in interrogating the data.
• Assist with management and participation in public-private partnerships (PPPs) and in identifying how to leverage insights into FC trends and emerging threats.

GOVERNANCE

• Participate in work streams for medium scale projects / initiatives in accordance with project management methodologies.
• Conduct reporting and / or meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
• Maintain appropriate project records, databases, and information; report to management and others on project status and updates.
• Adhere to internal policies/procedures and applicable regulatory guidelines.
• Contribute to cross-functional / enterprise initiatives to identify risk/ provide guidance for complex situations. Interact with FCRM partners and control function owners to explain potential impacts arising from research findings.
• Contribute to the development and maintenance of TD's AML/ATF/Sanctions/ABAC programs, including awareness and specialized training on FC themes that have been subject of analyses.
• Prepare summaries, presentations, briefing notes, and any other required documentation to effectively report on the status and findings of analytic projects. Assist in drafting and providing regular reporting to relevant FCRM committees.

EMPLOYEE / TEAM

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest.
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit.
• Participate in personal performance management and development activities, including cross training within own team.
• Contribute to a fair, positive and equitable environment that supports a diverse workforce.
• Act as a brand champion for your business area/function and the bank, both internally and/or externally.
• Protect the interests of the organization - identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
• Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.

EXPERIENCE AND / OR EDUCATION

• Experienced working professional role providing analytical services, quantitative analysis, advisory or processes / program support.
• Undergraduate degree or 3+ years equivalent work experience in AML
• Sound knowledge of TD Bank products, systems, policies and procedures is desirable.
• Professional AML certification (ACFCS, ACAMS or equivalent) desirable.
• Strong communication skills (verbal and written) and an ability to summarize complex matters in an easily understandable format.
• Comfortable with technology and with manipulating large data sets. Familiarity with MS Access, Python, Qliksense, Power BI or Tableau is desirable.
• Ability to manage multiple tasks and assess priorities.
• Curiosity, effective organization, ability to work independently at times and a strong interest in current affairs are assets.

Work activities include a blend of highly collaborative activities and individual deliverables. Individuals are expected to be onsite 4 days a week. Colleagues may spend more or less days in office as required by the business line. 

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):