Financial Crime Risk Analyst II -KYC

TD Bank•Greenville, NY

3d•Onsite

About The Position

The Financial Crime Risk Analyst II provides analytical, research, and assessment support for the development and enhancement of enterprise Financial Crime Risk Management (FCRM) programs and processes. The role may interact with key stakeholders and third-party service providers to support AML, ATF, Sanctions, and ABAC programs that meet regulatory requirements, and assists with reviewing higher-risk customer or transaction information. Within the FCRM Know Your Customer (KYC) Program Team, the role supports the effective oversight of the KYC Program for TD Bank US Holdings. The KYC Program establishes consistent requirements for knowing customers and evaluating relationship risks throughout the customer lifecycle. The KYC High Risk Reviews team conducts enhanced due diligence (EDD) reviews for high-risk customers, manages related procedures and escalations, and analyzes customer behavior and concerning activity in accordance with KYC policy and regulatory requirements. The team engages with the first line of defense regarding EDD outcomes, issue management, and guidance on high-risk customer types and activity. This experienced professional role independently performs work end to end and provides specialized guidance and support to FCRM functions. It requires advanced understanding of relevant products, services, processes, procedures, systems, and concepts; judgment in resolving business and operational issues; and the ability to interpret policies and implement process improvements. The position focuses on EDD rather than investigations and requires experience conducting complicated EDD reviews.

Requirements

Undergraduate degree or equivalent work experience.
At least 3 years of experience.
Strong knowledge of AML, KYC, and Enhanced Due Diligence (EDD) processes and regulations.
Must have conducted complicated EDD in a current or past role.
Strong written and verbal communication skills.
Must be authorized to work in the United States without current or future need for TD work visa sponsorship.

Nice To Haves

ACAMS certification.

Responsibilities

Provide FCRM research, evaluation, operational, reporting, and analytical support to business partners in oversight, advisory, and control functions.
Coordinate requests to and from business (FCRM) partners.
Assist in preparing summaries, communications, reports, and presentations for management, regulators, and internal and external stakeholders.
Recommend responses to enterprise FCRM Program questions and promptly escalate sensitive issues according to departmental procedures.
Analyze data and draw conclusions to meet program health reporting requirements.
Analyze emerging trends related to regulatory changes, reporting, and departmental functions, and recommend enhancements or corrective actions for FCRM-related gaps and issues.
Identify matters requiring additional review or escalation and liaise with appropriate staff to resolve them.
Coordinate tracking and reporting of FCRM initiatives and programs.
Manage workload to meet service-level agreement (SLA) and productivity requirements.
Protect confidential information, identify and manage risks, and escalate non-standard or high-risk transactions and activities as necessary.
Apply FCRM expertise and provide guidance, assistance, and direction to other FCRM partners.
Keep current on emerging issues, trends, and regulatory requirements; follow internal policies, procedures, and applicable regulatory guidelines.
Coordinate with FCRM and compliance partners to support consistent application of FCRM.
Participate as a team member, communicate relevant updates, share knowledge, assist colleagues, and provide training, coaching, or guidance as appropriate.
Perform enhanced due diligence reviews for high-risk customers and analyze customer behavior and activity of concern in accordance with KYC policy and regulatory requirements.