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

TD Bank • Greenville, NY

2d • Onsite

About The Position

The Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews performs second-line Enhanced Due Diligence (EDD) reviews for high-risk customers. The role identifies, assesses, and mitigates financial crime risks, ensures compliance with regulatory requirements, and provides expert recommendations on complex matters. It 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 establishes and oversees an effective KYC Program for TD Bank US Holdings. The team sets consistent requirements for knowing customers and evaluating risks throughout the customer relationship lifecycle. The KYC High Risk Reviews team executes EDD reviews, manages procedures and escalations related to high-risk customers, analyzes concerning customer behavior and activity, and engages with the first line of defense on review outcomes, issues, and guidance.

This analyst performs holistic EDD reviews at onboarding, periodic review, and event-driven review stages; assesses customer and transactional risks; documents independent analyses and recommendations; and supports process improvements, audits, regulatory examinations, and the development of high-risk customer management practices. The role may also provide subject matter expertise, training, project leadership, and day-to-day support to the Group Manager.

The position is based in New York, New York, with 40 hours listed. The salary range is $72,280–$117,520 USD. TD describes its Total Rewards package as including base salary and variable compensation or incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition. Benefits and plans may be subject to eligibility or plan terms.

Requirements

• Bachelor’s degree in Business, Finance, Law, Criminal Justice, or a related field.
• At least 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, including the ability to present complex findings to stakeholders.
• Proficiency in AML software and tools and the 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.

Nice To Haves

• Advanced certifications such as CAMS or equivalent are strongly preferred; ACAMS is also listed as preferred.
• Demonstrated leadership or project management experience.
• Experience in a challenge (QA/testing) or advisory/oversight function with direct exposure to Customer Risk or KYC processes.
• Experience in an AML/KYC program execution function.
• Strong knowledge of KYC and EDD processes and regulations.
• Ability to manage timelines and deadlines, multiple projects, and task prioritization.
• Ability to develop and generate effective and accurate presentations, metrics, and reporting.

Responsibilities

• Perform holistic Enhanced Due Diligence reviews of high-risk customers at onboarding, during periodic reviews, and in response to events.
• Review customer risk factors and indicators, assess how identified risks relate to bank products and services, and determine whether risks can be mitigated.
• Document independent assessments and recommend whether to maintain or onboard customers.
• Evaluate customers’ source of funds, business activities, ownership structures, and other risk factors.
• Analyze customer transactional activity to determine whether it aligns with the customer’s KYC profile and expected account use.
• Engage with the first line of defense on EDD review outcomes, issue management, and guidance related to high-risk customer types and associated activity.
• Ensure adherence to AML regulations, the Bank Secrecy Act, OFAC requirements, and other applicable laws.
• Identify trends and emerging risks in high-risk customer profiles, escalate issues, and recommend controls or mitigation measures.
• Maintain knowledge of regulatory changes and industry best practices and apply it to enhance the KYC program.
• Prepare detailed, well-documented EDD risk assessment narratives and recommendations for senior management and regulators.
• Provide data-driven insights and recommendations to improve the high-risk customer review process.
• Collaborate with internal stakeholders to address gaps or deficiencies in KYC or financial crime risk management frameworks.
• Serve as a KYC and EDD subject matter expert, providing training and guidance to junior analysts or team members.
• Represent the Financial Crime Risk Management team during internal and external audits or regulatory examinations.
• Lead projects or initiatives to enhance high-risk customer review processes and risk mitigation strategies.
• Use independent judgment to develop and implement policies, procedures, and best practices for high-risk customer management.
• Support the Group Manager with day-to-day tasks and act as a delegate as needed.

Benefits

• Health and well-being benefits
• Savings and retirement programs
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
• Banking benefits and discounts
• Career development
• Reward and recognition
• Base salary and variable compensation/incentive awards, potentially including cash and/or equity incentive awards through an incentive plan

What This Job Offers

• Job Type: Full-time
• Career Level: Senior