Risk Management High-Risk Customer Enhanced Due Diligence Team InternCo-op (Summer 2026)

DEPARTMENT OVERVIEW

Co-op and Internship opportunities allow you to gain valuable work experience acrossa number ofthe businessesat TD. You will work with experienced colleagues receive world class training and be part of a community of students across TD where you will have an impact grow asindividualand experience our culture of care.

OurCo-op/Intern Programmingis offered with select Co-op and Internship roles and is designed to helpyou betterunderstand the TD business build on critical career capabilities and broaden your professional network. This program is designed to complement your on-the job experience and features:

• Leadership talks with key Leaders from across the organization

• Lunch andLearnson topics such as Innovation

• Diversity and Inclusion and Personal Branding and so much more

The Senior Financial Crime Risk Management Analyst KYC High Risk Reviews performs second line

Enhanced Due Diligence (EDD) reviews for high-risk customers. This roleis responsible foridentifying

assessing and mitigating financial crime risks ensuring compliance with regulatory requirements and

providingexpert recommendations on complex matters. This role requires discretion independent

judgment and specialized knowledge of anti-money laundering (AML) regulations and financial crime risk

managementpractices.

The Financial Crimes Risk Management (FCRM) Know Your Customer (KYC) Program Team is

responsible for the establishment and ongoing oversight of an effective KYC Program for TD Bank. The KYC Program Team is tasked with setting consistent requirements for the bank to reasonably know its customers and evaluate the risks associated with a customer relationship throughout

the customer lifecycle.

The primary responsibility of the KYC High Risk Reviews team is to execute enhanced due diligence (EDD)

reviews for high-risk customers at the bank. The teamis responsible formanaging procedures and

escalations related to high-risk customers including analysis of customer behavior and activity of concern

in compliance with KYC policy and regulatory requirements.The team engages with the 1st line of defense

on the outcomes of EDD reviews management of issues and guidance related to high-risk customer types

and associatedactivity.

JOB DESCRIPTION

• Depth & Scope:Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers atonboarding periodic review and event driven reviews ensuring compliance with internalpolicies and external regulations

• Reviews customer risk factors/indicators and acts as a subject matter expert to understandand assess the identified customer risk and how it relates to the Bank products/services tofurtherdetermineif those risks can be mitigated

• Responsible for documenting the assessment and providing a recommendation based onthe independent analysis tomaintainand/or onboard the customer

• Evaluates and assesses customers source of funds business activities ownershipstructures and other risk factors

• Reviews assesses and analyzes customer transactional activity todetermineifcustomersactivity is aligned to the customer KYC profile and expected use of customers accounts

• Engages with the 1st line of defense on the outcomes of EDD reviews and guidance relatedto high-risk customer types and associated activity

• Ensures adherence to AML regulations

• Proactivelyidentifiestrends and emerging risks in high-risk customer profiles escalatesissuesandrecommendscontrols or mitigation measures

• Maintains up-to-date knowledge of regulatory changes and industry best practices applyingthisexpertiseto enhance the KYC program

• Prepares detailed well-documented EDD risk assessment narratives and provide riskrecommendations to support decision-making for senior management and regulators

• Provides data-driven insights and recommendations for process improvements ensuring theeffectiveness of the high-risk customer review process

• Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financialcrime risk management frameworks

• Serves as a subject matter expert (SME) on KYC and EDD processes for high-riskcustomerreviews providing training and guidance to junior analysts or team members

• Representsthe Financial Crime Risk Management team during internal and external auditsor regulatory examinations

• Leads projects or initiatives focused on enhancing the banks high-risk customer reviewprocesses and risk mitigation strategies

• Utilizes independent judgment to develop and implement policies procedures and bestpractices for high-risk customer management

• Supports the Group Manager byassistingwithday to daytasks and acting as a delegate asneeded

JOB REQUIREMENTS

Wereproud to work with a group of diverse colleagues. If you have relevant experience thatisntmentioned

below tell us about it in your resume or cover letter.

• Currentlyenrolled inanundergraduate degreein Finance Accounting Analytics DataBusiness/Commerceor relatedfield

• Must be enrolled in an undergraduate degree with the intent of going back to school atthe start of your work term(requirement of all co-op/intern positions)

• Demonstratedexpertisein high-risk customer reviews and regulatory compliance

• Strong analytical problem-solving and decision-making skills

• Excellent written and verbal communication skills with the ability to present complexfindings to stakeholders

• Proficiencyin Microsoft Office Suite

• Ability to exercise significant discretion and independent judgment in assessing andmanaging risks

• Ability to manage multiple high-priority tasks and deliver results under tight deadlines

• Demonstrated leadership or project management experience preferred

ADDITIONAL INFORMATION

• This position is a 4-month work term and willcommenceMay 4thuntil August 21st2026.

• Applications must include a transcript cover letter (one letter-sized page or less) and a resume (maximum of 2 pages).

• We welcome all applications; however we will only contact qualified candidates chosen for an interview. Thank you for your interest.

• TD requires employees toresidein the country where the role islocated irrespective of remote working arrangements

• TD is committed to providing you with the best candidate experience and internship in these unique circumstances. As such work location and start dates are subject to change.

Weredelighted thatyoureconsidering building a career with TD. Through regular development conversations

training programs and a competitive benefits planwerecommitted to providing the support our colleagues

need to thrive both at work and at home.

Colleague Development

Ifyoureinterested in a specific career path or are looking to build certain skills we want to help you succeed.

Youllhave regular career development and performance conversations with your manager as well as access to

anonline 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 andwere