Financial Crime Risk Investigator II - OneTouch (US)

TD • Boston, MA

1d • $30 - $48

About The Position

The Financial Crime Risk Investigator II conducts moderate-complexity investigations involving internal and external cases, including AML, Sanctions/ABAC, and other financial crime matters. The role analyzes case information and data to identify patterns and anomalies, responds to emerging risks, and applies reasonable grounds to suspect money laundering or terrorist financing. It may recommend account de-marketing or freezing through the appropriate investigative unit and conduct moderate-complexity adjudications. The investigator may also provide quality assurance, review, and mentorship to a team.

This experienced professional works independently under minimal management guidance, applies conceptual and practical knowledge in the relevant area, and may lead workstreams or medium-scale initiatives. The role includes reporting and analysis, risk escalation, process improvement, maintaining project information, and providing guidance to analysts and investigators. The team primarily works offsite, but colleagues must be available to attend a TD location for business-designated “moments that matter.” Candidates must live within 50 miles of the closest identified TD location; relocation is at the candidate’s expense.

Requirements

• Undergraduate degree or equivalent work experience.
• At least 3 years of experience.
• Strong written and oral communication skills, particularly for investigative and stakeholder reporting.

Nice To Haves

• Undergraduate degree preferred.
• Prior AML investigations experience within a financial institution or regulatory environment.
• Strong knowledge of Suspicious Activity Reports, the Bank Secrecy Act, and other relevant AML regulations.
• Familiarity with current AML typologies and emerging financial crime trends in the banking sector.
• Experience working in federal law enforcement or financial crime units.

Responsibilities

• Collect, assess, and collate case-file information for AML, Sanctions/ABAC, and financial crime investigations.
• Analyze, manipulate, and interpret data to identify patterns and anomalies.
• Initiate investigations and respond to emerging AML and Sanctions/ABAC risks.
• Assist with reviewing and investigating court orders, including subpoenas related to criminal actions.
• Assist with and coordinate investigations with law enforcement agencies as delegated.
• Prepare and deliver AML, Sanctions/ABAC, financial crime, and/or fraud detection and loss-prevention training or updates to bank employees or other agencies as assigned.
• Lead workstreams and serve as project lead for medium-scale projects or initiatives in accordance with project-management methodologies.
• Handle confidential correspondence and information with discretion and escalate issues when appropriate.
• Conduct functional or enterprise-level reporting and analysis, draw conclusions, make recommendations, and assess program, policy, or practice effectiveness.
• Keep informed about practices, procedures, and emerging trends in the area of responsibility.
• Identify and manage organizational risks, escalating non-standard or high-risk transactions and activities.
• Maintain project records, databases, and information, and report project status and updates to management and others.
• Monitor service and productivity, assess efficiency, and implement continuous process or performance improvements.
• Apply subject-matter expertise and provide guidance, assistance, and direction to analysts, investigators, and others.
• Follow internal policies, procedures, and applicable regulatory guidelines, and assess the potential impact of emerging issues and regulatory requirements.
• Support a culture of risk management and control aligned with the organization’s risk appetite.
• Participate as a team member, communicate relevant issues and progress, contribute to knowledge transfer, and assist or coach others as appropriate.

Benefits

• 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, and mentoring programs.
• Reward and recognition programs.
• Base salary and variable compensation or incentive awards, potentially including cash and/or equity awards.

What This Job Offers

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