Senior Financial Crime Risk Investigator

TD•Toronto, ON

10d•Hybrid

About The Position

The Senior Financial Crime Risk Investigator conducts end-to-end investigations of complex and sensitive financial crimes, including Anti-Money Laundering (AML), Sanctions/Anti-Bribery and Corruption (ABAC), and other financial crime activities. This role involves applying sound methodologies for evidence collection, preservation, and analysis, while staying current on global emerging risks and technology threats. Key responsibilities include assessing and prioritizing cases, ensuring adherence to protocols, and collaborating with external entities such as other financial institutions, law enforcement, and government bodies for information sharing and risk reduction. The investigator also performs quality control reviews of investigations completed by other team members, provides feedback, contributes to system development and efficiency enhancements, and identifies procedural weaknesses and industry risk trends. This is an expert-level professional role requiring in-depth knowledge in financial crime investigation and broader related areas, with an emphasis on leading projects, resolving complex issues, and guiding others.

Requirements

Undergraduate degree or equivalent work experience
5+ years 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
Expert level professional role requiring in-depth knowledge/ expertise in own field of specialty and working knowledge of broader related areas
Ability to integrate the broader organizational context into advice and solutions within own area
Understanding of the industry, competition and the factors that differentiate the organization
Ability to build stakeholder alignment in leading projects and activities
Ability to work independently as the senior technical lead and guide others within area of expertise
Ability to identify and lead problem resolution for complex issues at all levels

Responsibilities

Conduct end to end investigations of various higher complexity and sensitivity through analysis of evidence gathered for both internal and external investigations
Apply reasonable grounds to suspect money laundering/terrorist financing, mitigating, and disrupting financial crime (recommending for demarket and/or freezing accounts by the appropriate investigative unit)
Conduct a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime
Apply sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats
Assess and prioritize files and investigate assigned cases ensuring proper protocols are in place and effectively applied
Work 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
Conduct investigations in a professional and timely manner
Conduct quality control reviews of investigations completed by Investigators in the FIU's High Risk Investigations (HRI) team, including review of investigations that resulted in no Suspicious Transaction Reports (STRs) as well as investigations that resulted in STRs and other regulatory reporting and risk mitigation (e.g., demarket, etc.)
Validate that Reasonable Ground to Suspect (RGS) ML and/or TF has been established and that all procedural and regulatory requirements are followed
Review case file and transactional data to ensure that all reportable transactions are submitted
Incorporate procedures, job aids, and regulatory findings into the case review
Provide and deliver value-added feedback to the investigators and investigative teams
Contribute to system development projects and efficiency enhancements
Identify and communicate procedural weaknesses to businesses
Identify industry and typologies risk and trends for respective program areas and share knowledge with appropriate stakeholders
Maintain and establish working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes
Apply sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate
Lead work stream by acting as a project lead for large or complex projects/initiatives in accordance with project management methodologies
Evaluate the effectiveness of processes/services and recommend/champion possible enhancements
Recommend improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders
Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs
Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience
Adhere to enterprise frameworks or methodologies that relate to activities for respective business area(s)
Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist
Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues
Run analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
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 business unit
Keep current on emerging trends/ developments and 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 team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships
Contribute to a fair, positive and equitable environment that supports a diverse workforce
Act as a brand ambassador for your business area/function and the bank, both internally and/or externally