Senior Financial Crime Risk Analyst (4981)

TD•Toronto, ON

2d•CA$81,600 - CA$115,200•Onsite

About The Position

The Senior QA Analyst is responsible for conducting independent quality assurance reviews of complex Financial Crime Risk Management activities, ensuring adherence to regulatory requirements, internal policies, procedures, and quality standards. The role provides effective challenge, identifies risks and control gaps, supports remediation efforts, and contributes to the ongoing enhancement of QA methodologies and practices across the organization. The Senior QA Analyst also serves as a subject matter expert, providing guidance, coaching, and quality insights to stakeholders and peers.

Requirements

Minimum 5+ years of experience conducting Enhanced Due Diligence (EDD) reviews for High‑Risk Customers (HRC), including Politically Exposed Persons (PEP s) and high‑risk industries
Experience performing EDD/AML reviews within Capital Markets, Correspondent Banking, and/or Wholesale Banking environments is considered a strong asset
Experience in Quality Assurance, Quality Control, Audit or second-line testing functions is an asset
Understanding of Suspicious Transaction Report (STR) regulatory requirements and Reasonable Grounds to Suspect (RGS) thresholds, including experience assessing investigative conclusions and regulatory reporting decisions.
Undergraduate degree or equivalent work experience
Professional certifications such as CAMS, CFCS, or equivalent financial crime certifications are considered an asset

Responsibilities

Contribute to the development of team procedures and governance processes and advise FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.
Work with FCRM partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups
Conduct research, assess FCRM risks and controls, and otherwise contribute to a specialized team of FCRM compliance professionals, interacting with key stakeholders
Provide governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)
Assist FCRM team members in the use of Issues and Events system for tracking and reporting
Prepare summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program
Deliver relevant subject matter expertise and FCRM advice to business / FCRM partners
Interact with control functions within the organization
Develop and deliver training programs for applicable employees across the Bank
Conduct meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs
Prepare research, analysis, update tools and/or support training activities specific to risk assessment
Contribute to the development of processes, procedures and guidance relevant to own specific FCRM function of expertise
Prioritize and manage own workload to meet SLA requirements for service and productivity
Provide high quality service and advice to key business (FCRM) partners and monitor progress of initiatives, action plans, or similar activities
Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues
Deliver relevant subject matter expertise and FCRM advice to business (FCRM) partners
Participate as assigned in new or revised product initiatives, advise businesses on FCRM compliance requirements and ensure that those requirements are properly written into requirements for business projects
Participate in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices
Coordinate with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise
Ensure relevant FCRM programs align with TD corporate philosophy and strategic direction
Monitor FCRM industry developments and maintain strong knowledge of evolving regulatory requirements and assess potential impacts
Contribute to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations
Comply with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
Participate in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance
Contribute to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations
Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
Share industry knowledge for own area of expertise and participate in knowledge transfer within the team and function
Grow knowledge of the business, related tools and techniques
Participate in personal performance management and development activities, including cross training within own team
Keep 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
Contribute to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate.
Contribute to a fair, positive and equitable environment that supports a diverse workforce
Act as a brand champion for the function and the bank, both internally and/or externally
Work independently as the senior analyst / subject matter expert and may coach and educate others
Oversee and/or independently perform tasks from end to end
Apply expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance
Execute on more complex and/or non-standard requests
Research and investigates a range of operational / reporting / process issues
Recommend and implement solutions within own area of responsibility
May need to coordinate / integrate work with other areas as needed
Provide advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise
Require advanced technical / business / function knowledge for discipline supported
High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus
Represent the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization
Generally, reports to a Manager or Senior Manager