AML Financial Crime Risk Investigator I (4961)

TD•Toronto, ON

2d•CA$59,500 - CA$84,000•Hybrid

About The Position

This role involves conducting adjudications, analysis, risk assessments, and investigations of general queue cases, with the potential to recommend demarketing or freezing of accounts. The investigator will provide support for moderate to complex end-to-end investigations, including AML, Sanctions/ABAC Financial Crime, and digital evidence gathering. Key responsibilities include prioritizing investigation requests, conducting thorough analysis and risk assessments, researching and applying new methodologies for digital evidence analysis, and preparing for reviews and interviews. The role also requires working with internal and external partners, preparing and delivering seminars, and maintaining awareness of emerging trends in AML, Sanctions/ABAC, cyber technologies, and criminal techniques. A strong understanding of bank procedures, products, and systems is essential for analyzing situations and gathering necessary documentation. The investigator will also conduct sound investigations and provide recommendations for AML and Sanctions/ABAC. On the shareholder side, the role may involve leading small-scale projects using project management methodologies, exercising discretion in managing confidential information, and conducting reporting and analysis at the functional or enterprise level. The investigator will be knowledgeable of practices and procedures within their area, stay updated on emerging trends, and manage risks by identifying and escalating non-standard, high-risk transactions. Maintaining project records, monitoring service and productivity, and implementing continuous process improvements are also key. The role requires acquiring and applying expertise, providing guidance to analysts, and executing standard practices. Adherence to internal policies, regulatory guidelines, and maintaining a culture of risk management are critical. As a team member, the focus is on participating fully, supporting a positive work environment, and ensuring timely communication. This includes enhancing knowledge and expertise, participating in knowledge transfer, and staying current on emerging trends. Personal performance management and development activities, including cross-training, are expected. Contributing to team success by assisting others, providing training, and fostering a fair, positive, and equitable environment are also important. The role acts as a brand champion internally and externally. The position is a professional role focused on providing services, process, or program support within defined parameters. It requires sound conceptual knowledge in related functions and typically does not involve supervisory accountability, though informal guidance may be provided. The role may lead small projects or support work streams of larger projects. It involves investigating and analyzing potential solutions, ensuring processes and functional programs are implemented, and executing work with some complexity requiring a short to medium-term focus. The role generally reports to a Manager.

Requirements

Undergraduate degree or equivalent work experience
2+ years experience
Sound knowledge of investigative techniques, AML, and criminal trends, and analysis
Demonstrates experience managing more complex non-criminal investigations
Strong understanding of Bank policy and procedures for own area

Nice To Haves

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.

Responsibilities

Conduct adjudications and/or analysis, risk assessment and investigations of general queue cases.
Recommend for demarket and/or freezing accounts by the appropriate investigative unit.
Provide analysis and/or data/evidence gathering support for moderate to very complex end-to-end investigations.
Prioritize incoming investigation requests.
Conduct thorough analysis, risk assessment and investigation of referred/assigned cases.
Conduct research, and apply new methodologies for analyzing digital evidence to reduce the risk of exposure to TD Bank.
Provide support in preparation for review, interviews for financial crime cases and ensure proper documentation is obtained for evidence purposes.
Use sound methodologies to collect, preserve, and analyze digital evidence.
Work with internal partners/external parties for effective detection and investigation purposes.
Prepare and deliver AML, Sanctions/ABAC and Financial Crime or fraud detection/loss prevention seminars to internal areas of the Bank.
Maintain a good understanding and awareness of emerging AML and Sanctions/ABAC trends, cyber technologies, and new criminal techniques.
Apply strong knowledge of bank procedures, products, and systems to assist investigators in analyzing situations, gathering information, and required documentation and case preparation.
Conduct sound investigations and provide AML and Sanctions/ABAC support and recommendations.
Lead work streams by acting as a project lead for small scale projects / initiatives in accordance with project management methodologies.
Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
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.
Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging trends for own functional area.
Protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary.
Maintain appropriate project records, databases, and information; report to management and others on project status and updates.
Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist.
Acquire and apply expertise in the discipline, provide guidance, assistance, and direction to Analysts and others.
Identify, recommend, and effectively execute standard practices applicable to the discipline.
Adhere to internal policies/procedures and applicable regulatory guidelines.
Keep abreast of emerging issues, trends, and evolving regulatory requirements.
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
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.
Keep current on emerging trends/ developments and 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; provide training, coaching and/or guidance as appropriate.
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.