AML Financial Crime Risk Investigator I (4876)

TD•Toronto, ON

3d•Hybrid

About The Position

This role involves conducting adjudications, analysis, risk assessments, and investigations of general queue cases related to Anti-Money Laundering (AML) and Sanctions/ABAC (Anti-Bribery and Corruption). The investigator will recommend actions such as demarket and account freezing, and provide support for complex investigations. This includes gathering data and evidence, prioritizing requests, and applying new methodologies for analyzing digital evidence to mitigate risk for TD Bank. The position also requires preparing for interviews, ensuring proper documentation, and delivering seminars on financial crime trends. A strong understanding of bank procedures, products, and systems is essential, as is staying current with emerging AML and Sanctions/ABAC trends and criminal techniques.

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.
Professional role with a focus on providing services/ process/program support within defined parameters.
Requires sound conceptual knowledge in related functions.
Typically, no supervisory accountability but may provide informal guidance to others.
May lead small projects and / or support work streams of a bigger project.
Investigates and analyses potential solutions; ensures processes and functional programs are implemented.
Executes on work with some complexity, requiring short to medium-term focus (weekly-monthly).
Delivers on assigned initiatives / projects /programs with some direction from management.
Generally, reports to a Manager.

Nice To Haves

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.
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.