Senior AML Financial Crime Risk Analyst

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:

Support management in delivery of initiatives related to risk assessment, internal/external exam support, etc.

Job Accountabilities:

• Contribute to the development of team procedures and governance processes and advise GAML stakeholders and teams of changes and enhancements to enterprise AML programs and requirements and where they may impact in the organization.
• Work with GAML partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups.
• Conduct research, assess AML risks and controls, and otherwise contribute to a specialized team of AML compliance professionals, interacting with key stakeholders.
• Provide governance oversight through management of the policy and training exemption governance and reporting processes to the GAML Senior Executive Team (and related AML Sub-Committees)
• Assist GAML team members in the use of Issues and Events system for tracking and reporting.
• Prepare summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the AML program.
• Deliver relevant subject matter expertise and AML advice to business / GAML partners interact with control functions within the organization.
• Develop and deliver training programs for applicable employees across the Bank.
• Conduct meaningful research, analysis, and assessment of AML program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise AML programs.
• Prepare research, analysis, update tools and/or support training activities specific to risk.
• Assessment.
• Contribute to the development of processes, procedures, and guidance relevant to own specific GAML function of expertise.
• Prioritize and manage own workload to meet SLA requirements for service and productivity.
• Provide high quality service and advice to key business (GAML) partners and monitor progress of initiatives, action plans, or similar activities.
• Protect the interests of the organization – identify and manage risks and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues.
• Deliver relevant subject matter expertise and AML advice to business (GAML) partners.
• Participate as assigned in new or revised product initiatives, advise businesses on AML compliance requirements, and ensure that those requirements are properly written into requirements for business projects.
• Participate in GAML level projects as needed, to facilitate and oversee changes to AML

processes, systems, or practices.

• Coordinate with other AML partners and business compliance partners to ensure consistency in the application of AML programs and standards across the enterprise.
• Ensure relevant AML programs align with TD corporate philosophy and strategic direction.
• Monitor AML industry developments and maintain strong knowledge of evolving regulatory requirements and assess potential impacts.
• Contribute to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations.
• Comply with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required.
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
• Participate in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/AML compliance.
• Contribute to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations.
• 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.
• Share industry knowledge for own area of expertise and participate in knowledge transfer within the team and function.
• Grow knowledge of the business, related tools, and techniques
• Participate in personal performance management and development activities, including cross training within own team.
• Keep others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities.
• Contribute to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate.
• Contribute to a fair, positive, and equitable environment that supports a diverse workforce.
• Act as a brand champion for the function and the bank, both internally and/or externally
• Work independently as the senior analyst / subject matter expert and may coach and
• educate others.
• Oversee and/or independently perform tasks from end to end.
• Apply expert knowledge of business operations, products, services, methods, and operating standards to drive unit or team performance.
• Execute on more complex and/or non-standard requests.
• Research and investigates a range of operational / reporting / process issues.
• Recommend and implement solutions within own area of responsibility.
• May need to coordinate / integrate work with other areas as needed.
• Provide advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise.
• Require advanced technical / business / function knowledge for discipline supported.
• High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus
• Represent the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization.
• Generally, reports to a Manager or Senior Manager Specialized AML Financial Crime Risk Management

Experience & Education:

• Undergraduate degree or relevant professional certifications, designations, or equivalent required.
• 5+ years relevant experience.
• Working knowledge of Canadian and/or U.S. AML legislations (including sanctions), requirements and guidance including but not restricted to Financial Transactions Reports Analysis Centre of Canada (FINTRAC), Office of the Superintendent of Financial Institutions (OSFI), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), Special Economic Measures Act (SEMA), Justice for Victims of Foreign Corrupt Foreign Officials Act (JVCFOA), Office of Foreign Assets Control (OFAC) Sanctions Programs.
• Knowledge of investigative techniques and tools including data analytics, link analysis, forensic analysis among others.
• Excellent oral and written communication skills
• Ability to work well independently and ability to collaborate and build positive relationships.
• Strong decision-making, critical thinking, follow through ability, analytics skills.
• Ability to respond to shifting priorities quickly and managing competing priorities.

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we're committed to helping you identify opportunities that support your goals.

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):