Financial Crime Risk Analyst II -KYC

TD • Boston, MA

5d • $30 - $48

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 work with key stakeholders and third-party service providers to support AML, ATF, sanctions, and ABAC programs that meet regulatory requirements, and helps review higher-risk customer or transaction information.

Within the FCRM Know Your Customer (KYC) Program Team, the role supports the establishment and ongoing oversight of an effective KYC Program for TD Bank US Holdings. The KYC Program establishes consistent requirements for knowing customers and evaluating risks across the customer relationship lifecycle.

The position is on the KYC High Risk Reviews team, which conducts enhanced due diligence (EDD) reviews for high-risk customers. The team manages procedures and escalations, analyzes customer behavior and concerning activity, and works with the first line of defense on review outcomes, issues, and guidance for high-risk customer types and related activity. This is an EDD-focused role rather than an investigative role; experience conducting complicated EDD is important.

This experienced professional role provides specialized guidance and support to FCRM functions. It independently performs work end to end, applies an advanced understanding of products, processes, systems, and related areas, and uses judgment to manage ambiguity and resolve operational issues. The analyst interprets policies, implements process improvements, and makes process and capacity decisions within established practices and plans.

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.
• Experience conducting 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 support or 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 with preparing summaries, communications, reports, and presentations for management, regulators, and other 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; recommend ways to address FCRM gaps, issues, and enhancements.
• Identify matters requiring additional review or escalation and liaise with appropriate staff to resolve them.
• Coordinate tracking and reporting of FCRM initiatives and programs.
• Conduct enhanced due diligence reviews for high-risk customers and analyze customer behavior and activity of concern in accordance with KYC policy and regulatory requirements.
• Engage with the first line of defense on EDD outcomes, issue management, and guidance related to high-risk customer types and associated activity.
• Prioritize and manage workload to meet service-level and productivity requirements.
• Handle correspondence and confidential information with discretion; identify and escalate risks, non-standard matters, and high-risk transactions or activities as needed.
• Maintain expertise in FCRM, provide guidance to other FCRM partners, apply standard practices, and keep current on regulatory requirements and emerging issues.
• Coordinate with FCRM and compliance partners to support consistent application of FCRM.
• Participate as a team member, share knowledge, cross-train, keep colleagues informed of progress, assist others, and provide training or guidance as appropriate.
• Support a positive, fair, and equitable work environment and represent the function and bank as a brand champion.

Benefits

• Base salary and variable compensation or incentive awards, potentially including cash and/or equity awards through an incentive plan.
• Health and well-being benefits.
• Savings and retirement programs.
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO.
• Banking benefits and discounts.
• Career development, training, mentoring, and learning opportunities.
• Reward and recognition programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level