AML Financial Crime Risk Investigator I - Detection (5005)
About The Position
The AML Financial Crime Risk Investigator I plays a critical role in supporting AML/BSA, Sanctions, and Anti-Bribery and Corruption (ABAC) compliance within a defined functional area or business unit. This position assists in implementing AML Operations initiatives, helping to manage regulatory risk and maintain compliance with evolving industry standards and regulations. Global Anti-Money Laundering at TD is committed to detecting and deterring anyone from using TD products or services for money laundering and terrorist financing activity. Our dedication is upheld and deployed through four key team functions – Policy, Testing, Advisory and Operations – that together build our Global Anti-Money Laundering (GAML) Program and professional community. AML Operations establishes processes to identify unusual and suspicious activities and transactions at the Bank, enterprise-wide. The centralized team manages the daily activities related to Anti-Money Laundering, Bank Secrecy, Enhanced Due Diligence, Sanctions and Anti-Bribery/Anti-Corruption. Roles help to support compliance in these areas and other legislation in each jurisdiction where TD operates.
Requirements
- Undergraduate degree preferred
- Two (2) or more years of experience working within the area of financial intelligence
- Advanced knowledge of AML operations, standards, procedures, laws, rules and regulations
- Ability to analyze, research, organize and prioritize work while meeting multiple deadlines
- Skill in using computer applications including MS Office
- Ability to collaborate and build relationships
- Ability to handle confidential information with discretion
- Ability to communicate effectively both written and verbal
- Ability to pay high attention to details
- Ability to prioritize tasks and manage time efficiently
Nice To Haves
- Prior Financial Intelligence Unit (FIU) experience (asset)
- Knowledge of TD's AML risk appetite (asset)
- Previous experience providing onboarding/ training (asset)
Responsibilities
- Conduct analysis of priority alerts to ensure 30-day SLA is maintain for priority streams.
- Conduct review of complex alerts, including Correspondent Banking and Ad-hoc Urgent Referrals
- Conduct analysis of transactional activity to identify risks, trends, and potential suspicious activity; and determine whether further investigation is required.
- Support with audit tasks, including gathering documentation and acting as subject matter experts.
- Support with quality assurance reviews of colleagues work.
- Support and understand risk identification, risk analysis and risk mitigation according to the regulatory requirements and industry / business gold standard methodologies
- Act as a process subject matter expert in a range of technical processes and procedures
- Partner as required with cross-functional teams across TD and/or external contacts
- Prioritize and manage own workload in alignment with service and productivity requirements
- Keep abreast of emerging issues, trends and evolving regulatory requirements; assess potential impacts
- Manage and process activities with multiple steps, systems, and jurisdictions; focus of work is weekly, monthly or longer with additional ad-hoc responsibilities as required.
- Find opportunities to improve service delivery and support operational improvement.
- Ensure necessary due diligence to support the accuracy of all transactions/activities.
- Require in-depth knowledge in a range of products and services, processes, procedures, and systems within own area of specialty and characterized by moderate to high risk.
- Generally, interact with internal colleagues and contacts and/or external customers; may provide process/policy guidance to others.
- Participate fully as a member of the team, support a positive work environment.
- Act as a brand ambassador for your business area/function and TD, both internally and externally
- Adhere to internal policies/procedures and applicable regulatory guidelines.
- Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
Benefits
- health and well-being benefits
- savings and retirement programs
- paid time off
- banking benefits and discounts
- career development
- reward and recognition programs
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
