KYC Analyst III

TD Bank•Jacksonville, FL

1d•Onsite

About The Position

Perform more advanced, complicated, or high visibility job functions aligned with policies, standards, procedures, and job aids. Ensures that work products are fit for purpose and audit / regulator ready. Suggests process improvements to drive better results from efficiency, accuracy, or quality of work product. This is an experienced professional role providing specialized guidance/assistance/support to functions/GAML teams. Independently performs activities from end to end. Requires advanced understanding of a range of product and services, processes, procedures, systems, and concepts within their own area of specialty and integration points with related areas. Manages ambiguity, and apply judgement to identify, troubleshoot and resolve ongoing business and operational issues. Interprets and administers policies, adopts, and implements business process improvements. Guided by practices, procedures, and operating plans, makes process and capacity management decisions to ensure ongoing operations. This role has a moderate level of complexity in operational / reporting / process and/or analysis function requiring a short to medium term focus.

Requirements

Undergraduate Degree or equivalent professional work experience.
2+ direct experience in financial services or similar industries including fraud, know your customer, anti-money laundering, sanctions screening, or similar roles for new joiners.
OR 6+ years' experience in an unrelated role involving information fluency, investigation, research, or financial services broadly but not specifically KYC or AML.
OR for an internal candidate proven track record of excellence through metrics or manager discretion.

Responsibilities

Maintains KYC files, data, and documents in a manner consistent with the KYC Policies and Standards in line with Service Level Agreements.
Performs reviews of customers as appropriate throughout the customer’s lifecycle with TD.
Ensures that such records, data, and reviews are prepared for review by auditors and regulators.
Provides KYC research, evaluation, operational, reporting and/or analytical support in operational processes, in a timely manner.
Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders as required.
Immediately escalates any potential issues or concerns to management for further action.
Analyzes data and draw conclusions to meet program health reporting requirements.
Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify KYC Ops- related gaps, issues and enhancements.
Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate.
Coordinates tracking and reporting of KYC Ops function initiatives and programs on timely matter as required.
Assists in reviewing and updating higher risk customer information.
Prioritizes and manages own workload to meet KYC Ops requirements for service and productivity and within TD’s risk appetite.
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 escalates non-standard, high-risk transactions/activities as necessary.
Maintains a culture of risk management and control, supported by effective processes in alignment with the bank's risk appetite.
Adheres to internal policies/procedures and applicable regulatory guidelines.
Coordinates with other FCRM partners and compliance partners to ensure consistency in the application of AML.
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.
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 function and the bank, both internally and/or externally.
Grows knowledge of the business, related tools and techniques.