Note: The job is a remote job and is open to candidates in USA. TD Bank is one of the world's leading financial institutions, and they are seeking a Financial Crime Risk Analyst II to provide analytical, research, and assessment support for their Financial Crime Risk Management programs. The role focuses on executing enhanced due diligence reviews for high-risk customers and ensuring compliance with KYC policies and regulatory requirements.
Responsibilities
- Provides FCRM research, evaluation, operational, reporting and/or analytical support in oversight, advisory services and control function to business (FCRM) partners, in a timely manner
- Co-ordinates requests to and from, business (FCRM) partners
- Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders
- Recommends responses to enterprise FCRM Program questions and immediately escalates any sensitive issues according to departmental procedures
- Analyzes data and draws conclusions to meet program health reporting requirements
- Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify FCRM- related gaps, issues and enhancements
- Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate
- Coordinates tracking and reporting of FCRM function initiatives and programs
- Prioritizes and manages own workload to meet SLA requirements for service and productivity
- Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
- Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions / activities as necessary
- Acquires and applies expertise in the FCRM discipline, provides guidance, assistance and direction to other FCRM partners
- Identifies, recommends and effectively executes standard practices applicable to the FCRM discipline
- Keeps abreast of emerging issues, trends, and evolving regulatory requirements
- Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
- Adheres to internal policies / procedures and applicable regulatory guidelines
- Coordinates with other FCRM partners and compliance partners to ensure consistence in the application of FCRM
- 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 function and the bank, both internally and/or externally
- Grows knowledge of the business, related tools and techniques
Skills
- Undergraduate degree or equivalent work experience
- 3+ years experience
- Must have conducted complicated EDD in current or past roles
- Strong written and verbal communication skills
- Advanced understanding of a range of product and services, processes, procedures, systems and concepts within their own area of specialty and integration points with related areas
- Ability to manage ambiguity, and apply judgement to identify, troubleshoot and resolve ongoing business and operational issues
- Ability to interpret and administer policies, adopt and implement business process improvements
- Ability to make process and capacity management decisions to ensure ongoing operations
- Ability to analyze data and draw conclusions to meet program health reporting requirements
- Ability to analyze emerging trends pertaining to regulatory changes, reporting or other departmental functions and provide recommendations to enhance or rectify FCRM-related gaps, issues and enhancements
- Ability to prioritize and manage own workload to meet SLA requirements for service and productivity
- Ability to exercise discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
- Ability to protect the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions / activities as necessary
- Ability to acquire and apply expertise in the FCRM discipline, provides guidance, assistance and direction to other FCRM partners
- Ability to keep abreast of emerging issues, trends, and evolving regulatory requirements
- Ability to maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
- Ability to adhere to internal policies / procedures and applicable regulatory guidelines
- Ability to coordinate with other FCRM partners and compliance partners to ensure consistence in the application of FCRM
- Ability to participate 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
- Ability to support the team by continuously enhancing knowledge / expertise in own area and participates in knowledge transfer within the team and business unit
- Ability to keep current on emerging trends / developments and grow knowledge of the business, related tools and techniques
- Ability to participate in personal performance management and development activities, including cross training within own team
- Ability to keep 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
- Ability to contribute 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
- Ability to contribute to a fair, positive and equitable environment that supports a diverse workforce
- Ability to act as a brand champion for your function and the bank, both internally and/or externally
- Ability to grow knowledge of the business, related tools and techniques
- ACAMS preferred
- Strong knowledge of AML KYC and Enhanced Due Diligence (EDD) processes and regulations
- This is not an investigative role, this is an EDD role and experience in this area is preferred
Benefits
- Variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan)
- 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
- Reward and recognition
- Regular development conversations
- Training programs
- Competitive benefits plan
- Access to an online learning platform
- Variety of mentoring programs
- Regular career, development, and performance conversations with your manager
- Training and onboarding sessions
- Accommodations for applicants with disabilities to complete the application process
Company Overview
The Toronto-Dominion Bank & its subsidiaries are collectively known as TD Bank Group (TD). It was founded in 1852, and is headquartered in Wilmington, Delaware, USA, with a workforce of 10001+ employees. Its website is https://www.td.com.