Financial Crime Risk Senior Investigator - One Touch (US)

TD Bank • Mount Laurel, NJ

32d • Hybrid

About The Position

Department Overview: The Financial Crime Risk Senior Investigator is required to be a seasoned and detail-oriented subject matter expert in quality control, end to end BSA/AML Investigations of various complexity related to potential money laundering, terrorist financing and other illicit financial crimes, and Regulatory reporting requirements. The role requires the ability to lead, train and mentor teams in conducting thorough investigations, ensuring regulatory compliance, and maintaining high standards of accuracy. Adept at identifying and mitigating financial crime risk, while driving continuous improvement on the AML processes and procedures. Additionally, the Financial Crime Senior Investigator will conduct end to end investigations of various complexity related to potential money laundering, terrorist financing and other illicit financial crimes, by analyzing transactional activity and Know Your Customer (KYC) information, mitigating associated red flags, documenting all appropriate evidence, filing necessary regulatory reports and also including determination of potential relationship exit, on a as needed basis. This role requires a deep understanding of AML regulations, strong writing and analytical skills, and the ability to work collaboratively with internal and external stakeholders.
Primarily Offsite: Our team currently operates under a primarily offsite work model, employees must be available to come into a TD location for "moments that matter" at a frequency determined by the business. Candidates that live within a 50-mile radius of a TD AML Hub location is strongly preferred.
Depth & Scope:
Investigates criminal cases ranging from simple to complex in nature
Sound knowledge of Bank products, systems, policies and procedures
Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends
Manages programs/projects/ initiatives of low to moderate scope and complexity
Expert level professional role requiring in-depth knowledge/expertise in own field of specialty and working knowledge of broader related areas
Integrates the broader organizational context into advice and solutions within own area
Understands the industry, competition and the factors that differentiate the organization
Impacts a range of functional programs across own and related teams
Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels
Builds stakeholder alignment in leading projects and activities
Works independently as the senior technical lead and guides others within area of expertise
Identifies and leads problem resolution for complex issues at all levels

Requirements

• Undergraduate degree or equivalent work experience
• 5+ years of experience
• Sound knowledge of Bank products, systems, policies and procedures
• Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends

Responsibilities

• Conducts a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime
• Applies sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats
• Assesses and prioritizes files and investigates assigned cases ensuring proper protocols are in place and effectively applied
• Works effectively with counterparts at other FI’s, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure
• Conducts investigations in a professional and timely manner
• Identifies and communicates procedural weaknesses to businesses
• Identifies industry and typologies risk and trends for respective program areas and shares knowledge with appropriate stakeholders
• Maintains and establishes working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes
• Applies sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate
• Leads workstream by acting as a project lead for large or complex projects/initiatives in accordance with project management methodologies
• Evaluates the effectiveness of processes/services and recommends/champions possible enhancements
• Recommends improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders
• Plans and delivers efficient and cost-effective processes that support and promote the implementation of programs
• Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience
• Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s)
• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
• Runs analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
• 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
• Shares industry knowledge for own area of expertise 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 team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador 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 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.
• Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
• You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
• We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

What This Job Offers

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