Senior AML Financial Crime Risk Investigator

Senior AML Financial Crime Risk Investigator page is loaded Senior AML Financial Crime Risk Investigator Apply remote type On Site locations Toronto, Ontario time type Full time posted on Posted Yesterday job requisition id R_1353402

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:

High Risk Investigation (HRI) conducts investigation of complex and sensitive cases to determine potential suspicious activities. Within the HRI, there is a specialized unit consisting of subject matter experts and investigators with accountabilities for conducting investigation of TD Securities alerts on products that are deemed higher risk and other referrals relating to financial crime including money laundering, terrorist financing, sanctions, fraud, anti-bribery, and anti-corruption associated with TD Securities Transaction Monitoring Program.

The AML Financial Crime Risk Senior Investigator (TD Securities Transaction Monitoring) reports to the Group Manager AML Financial Crime Investigations (TD Securities Transaction Monitoring)

The AML Financial Crime Risk Senior Investigator TD Securities Transaction Monitoring is responsible for

• Conducting end to end AML investigations of cases specifically relating to Correspondent banking products, capital markets offerings as well as other referrals and products/services relating to TD Securities. 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 (TD Securities Transaction Monitoring) and feedback/coaching where needed.
• The AML Financial Crime Risk Senior Investigator (TD Securities Transaction Monitoring) conducts end to end AML Investigations, and assists with the oversight of the TD Securities Transaction Monitoring Program while partnering with internal and external stakeholders including sanctions, global transaction banking, capital markets and compliance stakeholders as well as 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. 
• The AML Financial Crime Risk Senior Investigator (TD Securities Transaction Monitoring) assists with the oversight of the Correspondent banking and capital markets alerts while partnering with internal and external stakeholders including Global Transaction Banking and regional capital markets stakeholders working with other group 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. Includes supporting the Group Manager AML Financial Crime Investigations (TD Securities Transaction Monitoring) and providing feedback/coaching where needed.

Job Description
 

CUSTOMER

• Conduct variety of complex investigations, including AML, Sanctions/ ABAC, and Financial Crime including determination and assessment of reasonable ground to suspect if to file Suspicious Trnasaciton Report (STR) or submit referrals to regional AML officers as well as providing recommendations if to exist /demarket relationships.
• Assist with reviewing and investigating of TD Securities referrals issued by law enforcement agencies related to criminal actions.
• 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 internal and external stakeholders at other financial institutions, law enforcement agencies, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure.
• Conduct 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 partners (e.g., HR, Legal, corporate security, 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 Corporate Security, Legal, Human Resources.
• Patriciate in forums, working groups and other established task force while representing the HRI 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:

• Investigates criminal investigations ranging from simple to 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 in AML, Wealth Surveillance or Compliance functions
• Canadian Securities Institute: PDO, DFC, OLC, OPSC would be an asset
• Capital Market Surveillance experience an asset
• Strong knowledge of Canadian AML legislation, requirements and guidance including by not limiting to Financial Transactions Report Analysis Centre of Canada (FINTRAC), Officer of the Superintendent of Financial Institutions (OSFI), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), and the Criminal Code of Canada, BSA and US Patriot Act requirements, FinCEN (Finance Crimes Enforcement Network) requirements, Monetary Authority of Singapore (MAS) requirements, as well as FCA (Financial Conduct Agency) of the United Kingdom requirements
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions investigations
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions cases relating to TD Securities including determining reasonable ground to suspect (RGS).
• Strong knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
• 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, analytical skills.
• Ability to respond to shifting priorities quickly and managing competing priorities.
• Proficiency in using computer applications including MS Office
• Ability to exercise sound judgement in making decisions.

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:

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Our Values
At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion
At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific

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