Senior Manager, Know Your Customer (KYC) Policy

TD Bank•Mount Laurel, NY

5d•Onsite

About The Position

The Senior Manager, Know Your Customer (KYC) Policy is a strategic leader responsible for designing, maintaining, and advancing the bank’s KYC policy and standards framework to ensure effective customer identification, risk assessment, and regulatory compliance. This role establishes clear, consistent requirements aligned to U.S. and enterprise AML expectations, while proactively monitoring the regulatory landscape and emerging financial crime risks to drive timely, forward-looking policy enhancements. Serving as a key advisor to FCRM Business Oversight and business stakeholders, the Senior Manager provides expert interpretation of KYC requirements, manages complex policy escalations and exceptions, and promotes consistent application across the organization. Additionally, the role leads and develops a high-performing team, delivering training and guidance that enhances enterprise understanding of KYC obligations and enables informed, risk-based decision-making. The Senior Manager, Financial Crime Risk Business Oversight oversees the team and leads 2nd-line oversight activities and monitoring of the AML/ATF/Sanctions/ABAC compliance programs for covered TD businesses and legal entities, including managing critical program initiatives and handling complex/high-risk matters and escalations.

Requirements

Undergraduate degree or equivalent work experience
10+ years experience

Nice To Haves

Financial crimes compliance experience in the financial services industry.
Legal background or experience writing policy.
Experience in industry with respect to processes/controls to evaluate Financial Crimes risk.
Experience in managing / leading high performing staff.
Detail-oriented and organized with the ability to maintain attention to detail.
Strong analytical & critical reasoning skills.

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
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