Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews (US)

TD•Lewiston, ME

3d•$72,280 - $117,520•Onsite

About The Position

This role is not eligible for TD work visa support or sponsorship (e.g., H-1B, F-1 OPT/STEM OPT, TN or other work visa authorizations). Applicants must have authorization to work in the United States without current or future need for TD sponsorship. The Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews performs second line Enhanced Due Diligence (EDD) reviews for high-risk customers. This role is responsible for identifying, assessing, and mitigating financial crime risks, ensuring compliance with regulatory requirements, and providing expert recommendations on complex matters. This role requires discretion, independent judgment, and specialized knowledge of anti-money laundering (AML) regulations and financial crime risk management practices. The Financial Crimes Risk Management (FCRM) Know Your Customer (KYC) Program Team is responsible for the establishment and ongoing oversight of an effective KYC Program for TD Bank US Holdings. The KYC Program Team is tasked with setting consistent requirements for the bank to reasonably 'know its customers' and evaluate the risks associated with a customer relationship throughout the customer lifecycle. The primary responsibility of the KYC High Risk Reviews team is to execute enhanced due diligence (EDD) reviews for high-risk customers at the bank. The team is responsible for managing procedures and escalations related to high-risk customers, including analysis of customer behavior and activity of concern, in compliance with KYC policy and regulatory requirements. The team engages with the 1st line of defense on the outcomes of EDD reviews, management of issues, and guidance related to high-risk customer types and associated activity. To be successful in this role, you will need to know the difference between investigations, EDD and CDD and have conducted complicated EDD in your current or past roles. This role is more focused on EDD experience rather than an investigative role.

Requirements

Bachelor’s degree in Business, Finance, Law, Criminal Justice, or related field
5+ years of experience in KYC, EDD, or AML within a financial institution
Demonstrated expertise in high-risk customer reviews and regulatory compliance
Strong analytical, problem-solving, and decision-making skills
Excellent written and verbal communication skills, with the ability to present complex findings to stakeholders
Proficiency in AML software and tools, as well as Microsoft Office Suite
Ability to exercise significant discretion and independent judgment in assessing and managing risks
Ability to manage multiple high-priority tasks and deliver results under tight deadlines
Must have authorization to work in the United States without current or future need for TD sponsorship.

Nice To Haves

Advanced certifications such as CAMS, or equivalent are strongly preferred
Demonstrated leadership or project management experience preferred
Successful candidates should possess a strong understanding of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), including how these functions differ from AML Transaction Monitoring and Investigations.

Responsibilities

Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers at onboarding, periodic review, and event driven reviews, ensuring compliance with internal policies and external regulations
Reviews customer risk factors/indicators, and acts as a subject matter expert to understand and assess the identified customer risk and how it relates to the Bank products/services to further determine if those risks can be mitigated
Responsible for documenting the assessment and providing a recommendation based on the independent analysis to maintain and/or onboard the customer
Evaluates and assesses customers' source of funds, business activities, ownership structures, and other risk factors
Reviews, assesses, and analyzes customer transactional activity to determine if customer's activity is aligned to the customer KYC profile and expected use of customer's accounts
Engages with the 1st line of defense on the outcomes of EDD reviews and guidance related to high-risk customer types and associated activity
Ensures adherence to AML regulations, the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) requirements, and other applicable laws
Proactively identifies trends and emerging risks in high-risk customer profiles, escalates issues and recommends controls or mitigation measures
Maintains up-to-date knowledge of regulatory changes and industry best practices, applying this expertise to enhance the KYC program
Prepares detailed, well-documented EDD risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators
Provides data-driven insights and recommendations for process improvements, ensuring the effectiveness of the high-risk customer review process
Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financial crime risk management frameworks
Serves as a subject matter expert (SME) on KYC and EDD processes for high-risk customer reviews, providing training and guidance to junior analysts or team members
Represents the Financial Crime Risk Management team during internal and external audits or regulatory examinations
Leads projects or initiatives focused on enhancing the bank's high-risk customer review processes and risk mitigation strategies
Utilizes independent judgment to develop and implement policies, procedures, and best practices for high-risk customer management
Supports the Group Manager by assisting with day to day tasks and acting as a delegate as needed