Financial Crime Risk Investigator II - TDS Correspondent Banking (US)

Work Location:

Hours:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

As a candidate you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Job Description:

Department Overview:

As a Financial Crime Risk Investigator II you will conduct investigations of moderate complexity for both internal and external cases regarding money laundering and terrorist financing. You will make recommendations for demarketing and/or freezing accounts by the appropriate investigative unit. You will also conducts adjudications of moderate complexity and provide occasional quality assurance review/ mentorship of a team.

Depth & Scope:

• Experienced working professional role providing services advisory or processes/program support
• Requires experienced conceptual and practical knowledge within respective area and knowledge of broader related areas
• Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area
• Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities processes and functional programs
• Works within broad guidelines/policies and independently performs tasks from end to end
• Work performed under minimal management guidance and supervision

Education & Experience:

• Undergraduate degree or equivalent work experience
• 3 years experience

Preferred Skills & Experience:

• At least 2-3 years of correspondent banking experience with demonstrated understanding of nested relationships payment flows and associated AML risk
• Prior experience conducting global or complex financial crime investigations including cross-border activity and multi-jurisdictional analysis
• Strong knowledge of investigations involving wire transfers remittances or other electronic money movement particularly through high-risk locations
• Working knowledge of SWIFT payment messaging systems including ability to interpret it for tracing and risk analysis
• Familiarity with AML typologies and red flags associated with correspondent banking such as layering structuring sanctions evasions or shell company misuse

Customer Accountabilities:

• Conducts investigative analysis by collecting assessing and collating case file information for AML Sanctions/ABAC & Financial Crime investigations
• Conducts data analysis manipulation and interpretation looking for patterns and anomalies
• Initiates investigations and/or responds to emerging AML and Sanctions/ABAC risks
• Assists with reviewing and investigating court orders (subpoenas) related to criminal actions
• Assists and coordinates investigations with various law enforcement agencies as delegated
• Prepares and delivers AML Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned

Shareholder Accountabilities:

• Leads workstreams by acting as a project lead for medium scale projects/initiatives in accordance with project management methodologies
• Consistently exercises discretion in managing correspondence information and all matters of confidentiality; escalates issues where appropriate
• Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions makes recommendations assesses the effectiveness of programs/policies/practices
• Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area
• Protects the interests of the organization identifies and manages risks and escalates non-standard high-risk transactions/activities as necessary
• Maintains appropriate project records databases and information; reports to management and others on project status and updates
• Monitors service productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
• Acquires and applies expertise in the discipline provides guidance assistance and direction to Analysts Investigators and others
• Identifies recommends and effectively executes standard practices applicable to the discipline
• Adheres to internal policies/procedures and applicable regulatory guidelines
• Keeps abreast of 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

Employee/Team Accountabilities:

• Participates fully as a member of the team supports a positive work environment that promotes service to the business quality innovation and teamwork and ensures timely communication of issues/points of interest
• Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business related tools and techniques
• Participates in personal performance management and development activities including cross training within own team
• Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training coaching and/or guidance as appropriate.
• Contributes to a fair positive and equitable environment that supports a diverse workforce
• Acts as a brand champion for your business area/function and the bank both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Occasional
• Bending Occasional
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading writing and comprehending instructions Continuous
• Adding subtracting multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g. eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and several other key plans such as 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 and reward and recognition. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.