Manager, KYC Operational Procedures and Operational Guidances

TD Bank•Jacksonville, FL

About The Position

The KYC Specialist develops and maintains TD’s KYC programs, including frameworks, methodologies, procedures, awareness and monitoring, management reporting, and issue escalation. The role conducts periodic and event-driven KYC due diligence reviews of customers, including targeted reviews under KYC Ops Policy to assess risk. This is a highly seasoned professional role requiring substantial expertise in a complex field and knowledge of related areas. The Manager leads cross-functional teams and end-to-end functional programs, interprets business and industry challenges, develops solutions, and influences senior stakeholders. The role works with senior management on complex or high-visibility projects, ensures work products are fit for purpose and audit/regulator-ready, and leads process improvements. The position provides governance and subject-matter expertise for KYC Ops procedures, programs, risk assessments, training-exemption governance, regulatory change initiatives, and audit or examination support. It partners with business lines and control functions, including Compliance, Legal, Risk, and FCRM, to maintain alignment with enterprise and regulatory requirements and TD’s risk appetite.

Requirements

Undergraduate degree or equivalent professional work experience.
For new joiners: 6 or more years of direct experience in financial services or similar industries, including fraud, KYC, AML, sanctions screening, or similar roles; alternatively, 10 or more years of experience in an unrelated role involving information fluency, investigation, research, or financial services broadly but not specifically KYC or AML.
Internal candidates may qualify through a proven track record of excellence demonstrated through metrics or manager discretion.
Substantial knowledge and expertise in a complex field and knowledge of broader related areas.
Ability to lead cross-functional teams and independently manage end-to-end functional programs.
Ability to analyze complex problems, exercise judgment, and develop solutions.
Ability to communicate difficult concepts in compelling business terms and influence senior stakeholders.
Ability to work autonomously as a lead and guide others within area of expertise.

Responsibilities

Lead development of team procedures and governance processes, and advise teams about changes and enhancements to enterprise KYC Ops programs and requirements and their organizational and business-line impacts.
Work with FCRM, Compliance, Legal, Risk, and other partners to support documentation and reports for external regulators and internal TD groups.
Assess KYC Ops risks and controls and engage key stakeholders, including business lines.
Oversee training-exemption governance and reporting processes for the KYC Ops Team.
Prepare summaries, presentations, briefing notes, and other documentation to report KYC Ops program status.
Represent KYC Ops on internal or external committees and enterprise-wide Regulatory Change Management initiatives as required.
Provide subject-matter expertise and AML advice to business and GAML partners, and interact with organizational control functions.
Research, analyze, and assess KYC Ops program activities; draw conclusions, make recommendations, and assess program effectiveness.
Prepare research, analysis, update tools, and support training activities related to risk assessment.
Create, maintain, and improve process maps and reports; serve as a subject-matter expert for designated KYC processes.
Support management initiatives related to risk assessment and internal or external examination support.
Provide high-quality service and advice to business partners and monitor initiatives, action plans, and related activities.
Identify and manage organizational risks and ensure prompt, thorough resolution of escalated non-standard, high-risk issues.
Lead new or revised product initiatives, advise businesses on KYC Ops requirements, and ensure requirements are incorporated into business project specifications.
Participate in KYC Ops projects and facilitate or oversee changes to processes, systems, or practices.
Coordinate with partners and business units to ensure consistent application of KYC Ops programs and standards across the enterprise.
Ensure KYC Ops programs align with TD’s corporate philosophy, strategic direction, and risk appetite.
Identify business opportunities, research and recommend enhancements, and develop strategies to implement recommendations.
Lead relationships with business lines, corporate groups, and control functions to align with enterprise and regulatory requirements.
Lead or contribute as a subject-matter expert to cross-functional and enterprise initiatives, identifying risks and providing guidance for complex situations.
Comply with audit and regulatory requirements and support audits and regulatory reviews with recommendations and guidance.
Maintain a risk-management and control culture aligned with the bank’s risk appetite, and participate in responses to regulatory and Internal Audit examinations.
Support a positive, service-oriented team environment; share knowledge, keep colleagues informed about project progress, and provide coaching or guidance as appropriate.
Participate in performance management, development, and cross-training activities and contribute to an equitable, diverse workplace.