Financial Crime Risk Investigator I

TD•Toronto, ON

1d•Onsite

About The Position

This role acts as a senior operational subject matter expert, providing technical guidance and support for Electronic Fund Transfer Reporting (EFTR) regulatory reporting activities. The position involves executing and supporting complex EFTR remediation and regulatory reporting, including non-standard and higher-risk cases. The investigator will serve as a point of escalation for EFTR data issues, exceptions, and regulatory interpretation questions, maintaining strong working relationships with internal partners for timely resolution of issues. The role also supports the implementation of new workflows, process enhancements, system changes, or regulatory updates impacting EFTR Operations. Additionally, the investigator provides first-line operational oversight by reviewing trends, error drivers, and quality issues associated with EFTR reporting outputs, identifying and escalating risks, control gaps, and systemic issues with recommendations for corrective actions. Participation in audit reviews, quality assurance activities, and regulatory examinations is expected, along with exercising sound judgment in situations not fully addressed by established procedures. Adherence to enterprise frameworks for operations activities, including Anti-Money Laundering, Regulatory Reporting, and Business Continuity Management, is required. The role also involves providing coaching, mentoring, and technical guidance to colleagues and new team members to ensure consistent application of EFTR standards and procedures, supporting the development of job aids and training materials, and promoting knowledge sharing. The investigator will act as a role model for professionalism and operational excellence, participating in cross-functional initiatives as an EFTR subject matter expert. This is a highly complex, multi-step role involving EFTR activities across multiple systems, products, and business segments, often characterized by moderate to high risk. It requires advanced knowledge of EFTR regulations, AML controls, data remediation practices, and reporting standards. The role involves balancing execution, oversight, mentoring, and initiative-based work without direct supervisory authority, focusing on daily operational execution, recurring monthly activities, and ad-hoc initiatives. Generally, the role reports to a Team Manager and does not have direct reports, but may influence outcomes indirectly.

Requirements

Undergraduate degree
One to two years of relevant experience in EFTR Reporting, Data remediation and enrichment, Payment transaction processing (SWIFT).
Strong working knowledge of EFTR reporting regulations, EFTR reporting standards, and operational control framework, standards, procedures, laws, rules and regulations
Demonstrated experience providing peer mentoring, technical guidance, or process oversight without formal people management responsibility.
Experience in implementing new banking platforms / systems, working on multiple banking platforms, contributing to change management initiatives within operations, driving and delivering process efficiencies
Strong analytical, organizational, and time management skills with the ability to manage multiple priorities.
Ability to exercise sound judgment, handle confidential information with discretion, and communicate effectively both verbally and in writing.

Responsibilities

Act as a senior operational subject matter expert by providing technical guidance and support for Electronic Fund Transfer Reporting (EFTR) regulatory reporting activities.
Execute and support complex EFTR remediation and regulatory reporting activities, including non‑standard and higher‑risk cases requiring enhanced judgment.
Serve as a point of escalation for EFTR data issues, exceptions, and regulatory interpretation questions within the team.
Maintain strong working relationships with internal partners to facilitate timely resolution of complex reporting, data, or system issues including handling the Request for Information process.
Support the implementation of new workflows, process enhancements, system changes, or regulatory updates impacting EFTR Operations.
Provide first‑line operational oversight by reviewing trends, error drivers, and quality issues associated with EFTR reporting outputs.
Identify, assess, and escalate risks, control gaps, and systemic issues, recommending corrective actions as appropriate.
Actively participate in audit reviews, quality assurance activities, and regulatory examinations by interpreting findings and supporting remediation actions.
Exercise sound judgment in situations where established procedures do not fully address the issue.
Adhere to enterprise frameworks and methodologies related to operations activities, including Anti‑Money Laundering, Regulatory Reporting, and Business Continuity Management.
Provide coaching, mentoring, and technical guidance to colleagues and new team members to support consistent application of EFTR standards and procedures.
Support the development and maintenance of job aids, training materials, and process documentation in line with business requirements and change management requirements.
Promote knowledge sharing, consistency, and continuous improvement across the EFTR Operations team.
Act as a role model for professionalism, regulatory discipline, and operational excellence.
Participate in cross‑functional initiatives and working groups as an EFTR subject matter expert.
Perform highly complex, multi‑step EFTR activities across multiple systems, products, and business segments, where activities may be characterized by moderate to high risk.
Apply advanced knowledge of EFTR regulations, AML controls, data remediation practices, and reporting standards.
Balance execution, oversight, mentoring, and initiative‑based work while operating without direct supervisory authority.
Focus of work spans daily operational execution, recurring monthly activities, and ad‑hoc initiatives.