Financial Crime Risk Analyst – Sanctions (US Sanctions Escalations)

TD Bank • Mount Laurel, NJ

17h • Onsite

About The Position

This Financial Crime Risk Analyst role under the Sanctions Group will perform 2nd level reviews of payment screening and name screening alerts to identify any sanctions implications or individuals/entities that may be designated. In addition, this role also involves periodic KYC reviews of sanctioned country nationals or citizens of broadly sanctioned jurisdictions. Lastly, this Analyst will also review referrals or escalations from other business lines to determine any sanctions implications or red flags that may include sanctions evasion. The Financial Crime Risk Analyst – Sanctions provide a range of analytical, research, and assessment support to the development and enhancement of the enterprise’s sanctions risk management programs and processes. Assists in reviewing and analyzing higher-risk customer or transactional information to identify potential sanctions risks, prohibited relationships, or transactions involving designated persons or entities. Provides specialized guidance, assistance, and support to functions and Financial Crimes Risk Management (FCRM) teams on sanctions compliance matters, including screening, escalation, and regulatory interpretation. Performs end-to-end sanctions-related activities, such as alert reviews, due diligence, and documentation of decisions in accordance with global standards. Requires advanced understanding of sanctions regulations, screening systems, and integration points with related areas such as AML, ABAC, and FCRM, along with knowledge of TD products and services. Manages ambiguity and applies judgment to identify, troubleshoot, and resolve sanctions compliance issues, ensuring timely escalation and adherence to regulatory requirements. Interprets and administers sanctions policies and procedures, adopts and implements process improvements to strengthen controls and mitigate risk. Makes process and capacity management decisions for sanctions operations to ensure compliance and efficiency, guided by practices, procedures, and operating plans. Handles moderate complexity in operational, reporting, and process analysis functions requiring a short to medium-term focus on sanctions risk mitigation and governance enhancements.

Requirements

• Undergraduate Degree
• 3+ years relevant experience
• Advanced understanding of sanctions regulations, screening systems, and integration points with related areas such as AML, ABAC, and FCRM, along with knowledge of TD products and services.
• Ability to manage ambiguity and apply judgment to identify, troubleshoot, and resolve sanctions compliance issues, ensuring timely escalation and adherence to regulatory requirements.
• Ability to interpret and administer sanctions policies and procedures.
• Ability to make process and capacity management decisions for sanctions operations to ensure compliance and efficiency, guided by practices, procedures, and operating plans.
• Ability to handle moderate complexity in operational, reporting, and process analysis functions requiring a short to medium-term focus on sanctions risk mitigation and governance enhancements.
• Ability to coordinate requests to and from business partners related to sanctions compliance activities.
• Ability to recommend responses to enterprise sanctions program questions and immediately escalate any sensitive sanctions-related issues according to departmental procedures.
• Ability to analyze data and draw conclusions to meet sanctions program health reporting requirements.
• Ability to analyze emerging trends related to sanctions regulatory changes, reporting, or other departmental functions, and provide recommendations to address gaps, issues, and enhancements in sanctions controls.
• Ability to proactively identify sanctions matters requiring additional review or escalation, and liaise with appropriate staff to resolve as needed.
• Ability to coordinate tracking and reporting of sanctions compliance initiatives and programs.
• Ability to prioritize and manage own workload to meet SLA requirements for service and productivity.
• Ability to exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
• Ability to protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions/activities as necessary.
• Ability to acquire and apply expertise in the FCRM discipline; provide guidance, assistance, and direction to other FCRM partners.
• Ability to identify, recommend, and execute standard practices applicable to the FCRM discipline.
• Ability to keep abreast of emerging issues, trends, and evolving regulatory requirements.
• Ability to maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.
• Ability to adhere to internal policies/procedures and applicable regulatory guidelines.
• Ability to coordinate with other FCRM partners and compliance partners to ensure consistency in the application of FCRM.
• Ability to 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.
• Ability to support the team by continuously enhancing knowledge/expertise in own area and participate in knowledge transfer within the team and business unit.
• Ability to keep current on emerging trends/developments and grow knowledge of the business, related tools, and techniques.
• Ability to participate in personal performance management and development activities, including cross-training within own team.
• Ability to 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.
• Ability to 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.
• Ability to contribute to a fair, positive, and equitable environment that supports a diverse workforce.
• Ability to act as a brand champion for the function and the bank, both internally and/or externally.
• Ability to grow knowledge of the business, related tools, and techniques.
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

Nice To Haves

• Knowledge of TD products and services.

Responsibilities

• Perform 2nd level reviews of payment screening and name screening alerts to identify any sanctions implications or individuals/entities that may be designated.
• Perform periodic KYC reviews of sanctioned country nationals or citizens of broadly sanctioned jurisdictions.
• Review referrals or escalations from other business lines to determine any sanctions implications or red flags that may include sanctions evasion.
• Provide a range of analytical, research, and assessment support to the development and enhancement of the enterprise’s sanctions risk management programs and processes.
• Review and analyze higher-risk customer or transactional information to identify potential sanctions risks, prohibited relationships, or transactions involving designated persons or entities.
• Provide specialized guidance, assistance, and support to functions and Financial Crimes Risk Management (FCRM) teams on sanctions compliance matters, including screening, escalation, and regulatory interpretation.
• Perform end-to-end sanctions-related activities, such as alert reviews, due diligence, and documentation of decisions in accordance with global standards.
• Manage ambiguity and apply judgment to identify, troubleshoot, and resolve sanctions compliance issues, ensuring timely escalation and adherence to regulatory requirements.
• Interpret and administer sanctions policies and procedures, adopt and implement process improvements to strengthen controls and mitigate risk.
• Make process and capacity management decisions for sanctions operations to ensure compliance and efficiency, guided by practices, procedures, and operating plans.
• Handle moderate complexity in operational, reporting, and process analysis functions requiring a short to medium-term focus on sanctions risk mitigation and governance enhancements.
• Provide research, evaluation, operational, reporting, and analytical support for sanctions oversight, advisory services, and control functions to business partners, ensuring timely and effective sanctions compliance.
• Coordinate requests to and from business partners related to sanctions compliance activities.
• Assist in preparing summaries, communications, reports, and presentations for management, regulators, and other internal and external stakeholders regarding sanctions matters.
• Recommend responses to enterprise sanctions program questions and immediately escalate any sensitive sanctions-related issues according to departmental procedures.
• Analyze data and draw conclusions to meet sanctions program health reporting requirements.
• Analyze emerging trends related to sanctions regulatory changes, reporting, or other departmental functions, and provide recommendations to address gaps, issues, and enhancements in sanctions controls.
• Proactively identify sanctions matters requiring additional review or escalation, and liaise with appropriate staff to resolve as needed.
• Coordinate tracking and reporting of sanctions compliance initiatives and programs.
• Prioritize and manage own workload to meet SLA requirements for service and productivity.
• Exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
• Protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions/activities as necessary.
• Acquire and apply expertise in the FCRM discipline; provide guidance, assistance, and direction to other FCRM partners.
• Identify, recommend, and execute standard practices applicable to the FCRM discipline.
• 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.
• Adhere to internal policies/procedures and applicable regulatory guidelines.
• Coordinate with other FCRM partners and compliance partners to ensure consistency in the application of FCRM.
• 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 the function and the bank, both internally and/or externally.
• Grow knowledge of the business, related tools, and techniques.

Benefits

• Base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in 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
• Reward and recognition
• Regular development conversations
• Training programs
• Competitive benefits plan
• Online learning platform
• Mentoring programs

What This Job Offers

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