Senior Financial Crime Risk Business Oversight Analyst (4771)

Work Location:

Hours:

Line of Business:

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.

Job Description:

The portfolio this role will be supporting is focused on TD Auto Finance as well as Business Credit Cards (in addition to broader Canadian Business Banking).

CUSTOMER

• Provide guidance on day-to-day AML/ATF/ Sanctions/ABAC matters affecting the business based on regulatory compliance requirements and industry best practice including but not limited to customer identification and due diligence enhanced due diligence policy governance training and/or compliance assurance and testing
• Provide/Execute skilled AML/ATF/ Sanctions/ABAC research risk assessment reporting and/or analytical support in a timely manner
• Assist/Partner in the development and implementation of appropriate AML/ATF/ Sanctions/ABAC policies processes and controls
• Support the facilitation of periodic AML/ATF/ Sanctions/ABAC risk and self-assessment activities for designated business using TDs enterprise AML/ATF/ Sanctions/ABAC risk assessment framework
• Ensure that assessments (monitoring risk assessment etc.) are completed and communicated in a dynamic and timely fashion
• Handle matters escalated for the identification of suspicious activity or identified through the Enhanced Due Diligence process in accordance with established processes and protocols and assist in ensuring that the business takes appropriate steps to address those activities and customers
• Work collaboratively with business and control partners within the organization
• Prepare and deliver management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products
• Proactively identify matters which require additional attention and present objective and independent opinion on the adequacy of AML/ATF/ Sanctions/ABAC processes and controls and opportunities to enhance those controls
• Present objective and independent opinions on the adequacy of AML/ATF/ Sanctions/ABAC processes and controls in accordance with regulatory and internal requirements and liaise with the appropriate FCRM and business partners to resolve

SHAREHOLDER

• Review and provide feedback on business line policies and procedures
• Analyze AML/ATF/ Sanctions/ABAC compliance requirements and ensure they are properly written into requirements for business projects and approved at the appropriate levels
• Consistently exercise discretion in managing correspondence information and all matters of confidentiality; escalate issues where appropriate
• Analyze risk exposure characteristics for assigned portfolio in accordance with established processes or procedures making recommendations for enhancements or changes based on changes in the regulatory environment or business processes
• Work with business management and with internal and external business partners (e.g. Internal Audit external consultants) to respond to regulatory requests findings audits and/or examinations
• Keep current on emerging issues trends and evolving regulatory requirements in the AML/ATF/ Sanctions/ABAC industry and assess potential impacts
• Coordinate with other AML/ATF/ Sanctions/ABAC partners and business compliance partners to ensure consistency in the application of AML/ATF/ Sanctions/ABAC programs and standards across the enterprise
• Protect the interests of the organization identify and manage risks and ensure the prompt analysis and escalation of non-standard high-risk issues monitoring to thorough resolution
• Acquire and apply expertise in the AML/ATF/ Sanctions/ABAC disciplines providing basic guidance and direction to business and other FCRM partners

EMPLOYEE / TEAM

• Participate fully as a member of the team support a positive work environment that promotes service to the business quality innovation and teamwork and ensure timely communication of issues/ points of interest
• Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business
• Participate in personal performance management and development activities including cross training within own team
• Contribute to team development of skills and capabilities through mentorship of others by sharing knowledge and experiences and leveraging best practices.
• Lead motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contribute to a fair positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank both internally and/or externally

BREADTH & DEPTH

• Specialist level professional role requiring in-depth knowledge / expertise in AML/ATF/ Sanctions/ABAC and working knowledge of broader related areas
• Provide advanced analysis and/or specialized reporting to support business partners functional areas or centres of expertise
• Provide AML/ATF/ Sanctions/ABAC advice to a business as FCRM representative on a straightforward project or change initiative
• Integrate the broader organizational context into advice and solutions within the AML/ATF/ Sanctions/ABAC area
• Understand the industry competition and the factors that differentiate the organization
• Lead projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
• Contact for business management external/internal auditors dealing with non-routine information
• Recommend and implement solutions within own area of responsibility
• May need to coordinate / integrate work with other areas as needed
• Identify and lead problem resolution for complex requirements related issues at all levels
• Generally reports to a Senior Manager

EXPERIENCE & EDUCATION

• Undergraduate degree or equivalent work experience
• 5 years experience

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 strive to make every interaction product and experience remarkably human and refreshingly simple for 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 foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

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 a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

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.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

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
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):