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

TD•Mount Laurel, NJ

4d•$72,280 - $117,520•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 regulatory compliance, and provides expert recommendations on complex matters. It requires discretion, independent judgment, and specialized knowledge of anti-money laundering regulations and financial crime risk management practices. The Financial Crimes Risk Management Know Your Customer (KYC) Program Team establishes and oversees an effective KYC Program for TD Bank US Holdings. It sets consistent requirements for knowing customers and evaluating risks throughout the customer relationship lifecycle. The KYC High Risk Reviews team conducts EDD reviews, manages procedures and escalations for high-risk customers, analyzes customer behavior and activity of concern, and engages with the first line of defense on review outcomes, issues, and guidance. The analyst performs holistic reviews at onboarding, periodic review, and event-driven review; assesses customer risk factors, source of funds, business activities, ownership structures, and transactions; and documents independent assessments and recommendations. The role also supports risk mitigation and process improvements, advises and trains colleagues, represents the team in audits or regulatory examinations, leads enhancement initiatives, and assists the Group Manager with day-to-day tasks and as a delegate when needed.

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, as well as the Microsoft Office Suite.
Ability to exercise significant discretion and independent judgment when assessing and managing risks.
Ability to manage multiple high-priority tasks and deliver results under tight deadlines.
Strong knowledge of KYC and EDD processes and regulations.

Nice To Haves

Advanced certifications such as CAMS, or equivalent, are strongly preferred.
ACAMS preferred.
Experience in a challenge (QA/Testing) or advisory/oversight function with direct exposure to Customer Risk/KYC processes.
Experience in a program execution function within AML/KYC.
Ability to manage timelines and deadlines, handle multiple projects, and prioritize tasks.
Ability to develop and generate effective and accurate presentations, metrics, and reporting.
Demonstrated leadership or project management experience preferred.

Responsibilities

Perform holistic Enhanced Due Diligence reviews of high-risk customers at onboarding, periodic review, and event-driven review, ensuring compliance with internal policies and external regulations.
Review customer risk factors and indicators, assess identified risks in relation to the Bank's products and services, and determine whether risks can be mitigated.
Document independent assessments and provide recommendations 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 concerning 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 current knowledge of regulatory changes and industry best practices and apply it to enhance the KYC program.
Prepare detailed EDD risk assessment narratives and recommendations for senior management and regulators.
Provide data-driven insights and recommendations for improving the high-risk customer review process.
Collaborate with internal stakeholders to address gaps or deficiencies in KYC and financial crime risk management frameworks.
Serve as a subject matter expert on KYC and EDD processes, 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.