Senior Manager, Financial Crime Risk Oversight (US)

TD•Dublin, CA

22h•$124,280 - $186,160•Onsite

About The Position

The Financial Crime Risk Management (FCRM) teams provide domain-related expertise and risk management regarding AML/Anti-Terrorist Financing (ATF)/Sanctions/ABAC, including developing, maintaining, and updating methodologies and procedures, governance/management reporting processes, operating models, control inventories, regulatory change management, and training content in accordance with regulatory requirements and industry best practices. The Senior Manager, Financial Crime Risk Oversight (US) serves as a senior second line of defense leader responsible for the development, maintenance, governance, and continuous enhancement of the Bank's Financial Crime Risk Management (FCRM) control frameworks, operating models, regulatory response activities, and oversight programs. This role provides enterprise-wide subject matter expertise and independent challenge across AML, ATF, Sanctions, Anti-Bribery and Anti-Corruption (ABAC), KYC, and related compliance programs. The Senior Manager partners closely with first line business teams, Compliance, Internal Audit, Legal, Risk Management, and executive management to safeguard the Bank's Financial Crime Risk Program remains effective, sustainable, and aligned with regulatory expectations, the Bank's risk appetite, and strategic objectives. The role is responsible for leading complex regulatory remediation initiatives, governance frameworks, operating model enhancements, control inventories, management reporting, and oversight activities, while providing credible challenge and independent review of program effectiveness, control design, risk mitigation, and issue remediation efforts.

Requirements

Undergraduate degree or equivalent work experience
10+ years experience
Deep knowledge of BSA/AML, OFAC, Sanctions, ABAC, and Financial Crime Risk Management regulatory requirements and industry best practices.
Demonstrated experience leading regulatory remediation programs, consent order commitments, enforcement action responses, and large-scale program transformation initiatives.
Experience preparing executive, Board, Committee, and regulatory materials, including governance reporting, risk assessments, staffing assessments, and program effectiveness evaluations.
Strong understanding of AML and sanctions control frameworks, including KYC (CIP, CDD, EDD), transaction monitoring, investigations, screening, and regulatory reporting processes.
Proven ability to provide effective second line challenge and credible oversight while influencing senior stakeholders across all three lines of defense.
Experience interacting directly with regulators, monitors, Internal Audit, and senior executive management.
Strong leadership, project management, and organizational skills with the ability to lead complex, cross-functional initiatives from design through execution.
Ability to translate regulatory expectations into practical governance frameworks, operating models, controls, and sustainable business processes.
Exceptional written and verbal communication skills, including the ability to develop regulator-ready, Board-ready, and executive-level communications.

Responsibilities

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance, supporting compensation decisions, promoting teamwork, and handling disciplinary actions, as required
Supports the development of a high-performance business oversight team as a member of the Leadership team
Oversees and leads a large and/or highly complex and diverse AML/ATF/Sanctions/ABAC function for an area of significant risk, complexity or scope while growing talent, developing skills and capabilities to achieve career goals, support project/initiative success and achieve business results
Provides oversight to programs for an assigned portfolio of complex and dynamic TD businesses and legal entities
Maintains highly specialized expertise and in-depth knowledge to manage AML/ATF/Sanctions/ABAC programs for multiple, significant complex businesses, functional areas and/or global business lines
Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise
Manages and oversees the overall discipline and strategy for the AML/ATF/Sanctions/ABAC area while aligning to the enterprise best practices
Position typically deals with senior/executive management
Key contact for business management, regulators, and external/internal auditors, dealing with a broad range of issues including non-routine information
Focuses on longer-range planning for functional area (e.g., 12 months or greater)
May manage and prioritize multiple projects at a given time
Acts as highest point of team escalation for resolution and provides direction to resolve issues or escalate
Leads and manages a high performing team on delivery of AML/ATF/Sanctions/ABAC compliance programs and culture
Provides guidance, leadership, coaching and development to direct reports to ensure operational results and professional/personal development objectives are achieved
Provides strategic direction on a broad and diverse range of complex AML/ATF/ Sanctions/ABAC program activities
Proactively advises covered TD businesses of new and changed AML/ATF/Sanctions/ABAC regulatory and/or policy requirements and articulates the impact to their processes and controls
Contributes to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs
Works with senior business unit management/partners to develop proactive strategies, tactics, policies, and programs to effectively manage regulatory/compliance issues
Provides insight, guidance, and recommendations and acts as a specialized resource to other departments based on subject matter expertise including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing
Manages and provides oversight on day-to-day operations of the department and participates in enterprise wide or Customer focused special projects on behalf of FCRM
Delivers subject matter expertise and AML/ATF/Sanctions/ABAC guidance to business management, including developing and maintaining management reporting and analysis
Coordinates/Manages the team’s participation in / responses to regulatory examinations and internal/external audits, reviewing, packaging, and tracking and providing information for department executive
Develops and oversees the implementation of business line policies and procedures
Works closely with leaders to develop and operationalize the business plan and deliver on AML/ATL/Sanctions/ABAC programs across the enterprise
Plans and executes on strategic activities, reviews, and communicates results, and adjusts tactics accordingly
Proactively identifies key business opportunities, research, and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement
Understands TDBG issues/parameters and guides others to protect the reputation and interest of TDBG by adhering to operating standards and processes related to AML/ATF/ Sanctions/ABAC
Provides oversight on risk assessment processes as required
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary
Keeps current on emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Liaises with regulatory and law enforcement agencies on AML/ATF/Sanctions/ABAC examinations and related inquiries
Ensures employees are building and enhancing their knowledge and expertise; and employees assume responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct
Responsible for management of the overall team providing both leadership and guidance
Contributes to the development of business line and/or enterprise functional strategic priorities within their operational area or field of specialty
Leads a high performing team; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees
Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner
Manages employees in compliance with all human resources policies, procedures, and guidelines of conduct
Shares knowledge, information, skills, and subject matter expertise among the team and ensures the timely communication of issues and encourages good working relationships with other functions and teams
Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes
Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives
Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally