Financial Crime Risk Investigator II (US)

TD Bank•Mount Laurel, NJ

5h•$30 - $48

About The Position

Financial Crime Investigators are responsible for investigating PEP/MSB/CRB alerts to determine if the watchlist person and the TD customer are the same person. In order to make the determination the investigator will have to review TD source systems and online sources in order to make the determination. In some cases the determination will be difficult due to missing KYC data points on the TD customer. In those scenarios the investigator will have to make a judgement call and be able to articulate the reasoning behind the decision. The Financial Crime Risk Investigator II conducts investigations of moderate complexity for both internal and external cases. Recommends for demarket and/or freezing accounts by the appropriate investigative unit. Conducts adjudications of moderate complexity. May provide QA/review and mentorship of a team. Applies reasonable grounds to suspect money laundering and terrorist Depth & Scope: Experienced working professional role providing services, advisory or processes/program support Requires experienced, conceptual, and practical knowledge within respective area and knowledge of broader related areas Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programs Works within broad guidelines/policies and independently performs tasks from end to end Work performed under minimal management guidance and supervision

Requirements

Undergraduate degree or equivalent work experience
3+ years experience
Microsoft Office
Investigative skills
Good writing and decision making skills

Nice To Haves

2 year PEP experience

Responsibilities

Conducts investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations
Conducts data analysis, manipulation and interpretation looking for patterns and anomalies
Initiates investigations and/or responds to emerging AML and Sanctions/ABAC risks
Assists with reviewing and investigating court orders (subpoenas) related to criminal actions
Assists and coordinates investigations with various law enforcement agencies as delegated
Prepares and delivers AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned
Leads workstreams by acting as a project lead for medium scale projects/initiatives in accordance with project management methodologies
Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary
Maintains appropriate project records, databases, and information; reports to management and others on project status and updates
Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
Acquires and applies expertise in the discipline, provides guidance, assistance, and direction to Analysts, Investigators and others
Identifies, recommends, and effectively executes standard practices applicable to the discipline
Adheres to internal policies/procedures and applicable regulatory guidelines
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit
Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
Participates in personal performance management and development activities, including cross training within own team
Keeps 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
Contributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate.
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand champion for your business area/function and the bank, both internally and/or externally

Benefits

TD is committed to providing fair and equitable compensation opportunities to all colleagues.
Growth opportunities and skill development are defining features of the colleague experience at TD.
Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.
Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals.
Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.
regular development conversations
training programs
competitive benefits plan
online learning platform
mentoring programs