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AML Financial Crime Risk Senior Investigator

4 months ago

Toronto, Ontario, Canada TD Bank Full time

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Financial Crime Risk Management

Pay Details:

We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

The High Risk Customer Program consist of dedicated and specialized teams with AML subject matter experts with accountabilities to conduct the enhance due diligence of high risk customers. Within the High Risk Customer Program resides a team that focuses on MSBs including Principals, Branches and Agents, Ministerial Directives, and other specialized types of high risk customers.

The AML Financial Crime Risk Senior Investigator (Enhanced Due Diligence, High Risk Customer Program, Money Service Business) reports to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program, Money Service Business).

The AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program, Money Service Business) is responsible for:

  • Conducting end to end EDD reviews/AML investigations specifically relating to high risk customers focusing on MSBs including Principals, Branches and Agents, Ministerial Directives, and other specialized types of high risk customers. Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
  • Provide support to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program, Money Service Business) where needed.
  • The AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program, Money Service Business) conducts end to end EDD reviews/AML Investigations, and assists with the oversight of the High Risk Customer Program in Canada while partnering with internal and external stakeholders including, vendor engagements, advisory teams, working with other people managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Bank's systems of internal controls.
  • Job Description

CUSTOMER

  • Conduct complex enhanced due diligence initial and periodic reviews of high risk customers that focuses on MSBs including Principals, Branches and Agents, Ministerial Directives, and other specialized types of high risk customers including the determination of unusual and/or suspicious activities for regulatory reporting, as well as risk mitigation such as demarketing of relationships and accounts.
  • Conduct a variety of complex EDD reviews/investigations, including AML, Sanctions/ ABAC, and Financial Crime
  • Ensure the regulatory reporting is conducted in a timely manner and/or without delay while adhering to regulatory requirements and internal controls.
  • Apply sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats.
  • Assess and prioritize files and investigate assigned cases ensuring proper protocols are in place and effectively applied.
  • Work effectively with counterparts at other FI's, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure
  • Conduct EDD reviews/investigations in a professional and timely manner.
  • Identify and communicate procedural weaknesses to businesses.
  • Identify industry and typologies risk and trends for respective program areas and share knowledge with appropriate stakeholders.
  • Maintain and establish working relationships with internal and external partners (e.g., vendor engagements, advisory teams, working with other people managers and investigators, and etc.) for investigative purposes.
  • Investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations.

SHAREHOLDER

  • Develop and maintain effective relationship with key stakeholders including, vendor engagements, advisory teams, working with other people managers and investigators, and etc.
  • Participate in forums, working groups and other established task force while representing the High Risk Investigations to ensure information is shared among various stakeholders in a timely, concise, and accurate manner.
  • Lead work streams by acting as a project lead for large or complex projects / initiatives in accordance with project management methodologies.
  • Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
  • Evaluate the effectiveness of processes/services and recommend/champion possible enhancements.
  • Recommend improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders.
  • Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs.
  • Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience.
  • Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist.
  • Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
  • Protect the interests of the organization – identify and manage risks and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues.
  • Run analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices.
  • Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
  • Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.

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
  • Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
  • Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
  • Participate in personal performance management and development activities, including cross training within own team
  • 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
  • Contribute to team development by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.
  • 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 champion for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

  • Conducts EDD reviews/investigations on high risk customers that are complex in nature
  • Sound knowledge of Bank products, systems, policies, and procedures.
  • Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings, and financial/ crime trends.
  • Manages programs/ projects/ initiatives of varying complexities.
  • Expert level professional role requiring in-depth knowledge/ expertise within respective area and working knowledge of broader related areas.
  • Understands the industry, competition and the factors that differentiate the organization.
  • Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels.
  • Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programs.
  • Builds stakeholder alignment in leading projects and activities.
  • Works independently as the senior technical lead and guides others within area of expertise.
  • Identifies and leads problem resolution for complex issues at all levels.
  • Generally, reports to a Group Manager/ Senior Manager.

EXPERIENCE AND / OR EDUCATION

  • Undergraduate degree or relevant professional certifications, designations, or equivalent required
  • 5+ years relevant experience
  • Strong knowledge, experience of Canadian AML legislation, requirements and guidance including but not restricted to Financial Transactions Reports Analysis Centre of Canada (FINTRAC), Office of the Superintendent of Financial Institutions (OSFI), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
  • Strong knowledge and subject matter expert of the MSBs including Principals, Branches and Agents.
  • Strong knowledge and experience with KYC requirements, EDD and High Risk Customer Program.
  • Strong Knowledge and experience with various entity types and operations that may be deemed high risk in nature such as Money Service Businesses (Principals and Agents).
  • Strong knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions.
  • Strong knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
  • Strong knowledge of investigative techniques and tools including data analytics, link analysis, forensic analysis among others
  • Excellent oral and written communication skills
  • Coaching and counseling skills
  • Ability to delegate work to others, work well independently and ability to collaborate and build positive relationships.
  • Strong decision-making, critical thinking, follow through ability, analytics skills,
  • Ability to respond to shifting priorities quickly and managing competing priorities
  • Skill in leading budgets and resource allocation
  • Skill in using computer applications including MS Office
  • Ability to exercise sound judgment in making decisions.
  • Ability to handle confidential information with discretion

Who We Are:

TD is one of the world's 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 95,000 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 you've 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, we're 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 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:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll 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 we're committed to helping you identify opportunities that support your goals.

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

Interview Process
We'll 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 you'd 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:

N/A.