Group Manager, AML Financial Crime Risk Investigations

Work Location: 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: Manage/lead a team of specialized professionals in the analysis and/or the investigation process for a specific area and assigns and monitors caseloads to ensure potential regulatory risks and losses to the bank are minimized.

The High Risk Customer Program consists of dedicated and specialized teams with AML subject matter experts accountable for conducting enhanced due diligence of high risk customers. These teams focus on conducting enhanced due diligence as required by Ministerial Directives issued by the Minister of Finance and communicated to reporting entities by FINTRAC.

The Group Manager, AML Financial Crime Risk Investigation (Enhanced Due Diligence, High Risk Customer Program, Ministerial Directives) reports to the Senior Manager, AML Financial Crime Investigations (AML Enhanced Due Diligence, High Risk Customer Program) and the Associate Vice President (AVP), Head of Canada Enhanced Due Diligence and High Risk Investigations. The Group Manager supports the Senior Manager and the AVP with the management and oversight of the High Risk Customer Program in Canada focusing on Ministerial Directives while partnering with stakeholders, working with other people managers and investigators to ensure the controls are designed and operating effectively to mitigate risk and ensure compliance with regulatory requirements as well as the Bank's systems of internal controls.

Additionally, the Group Manager oversees and manages the control activities of the High Risk Customer Program as well as a team of AML Financial Crime Investigators responsible for conducting EDD of various customers deemed high risk, mitigation of risk such as recommendations to demarket/exit relationships, and timely regulatory reporting of potential money laundering and terrorist financing activities.

• Provide support to the Senior Manager and the AVP with the oversight and management of the High Risk Customer Program focusing on Ministerial Directives.
• Provide guidance, direction, oversee and lead a team of AML Financial Crime Investigators who conduct EDD of high risk customers, promoting a culture of compliance and an environment of ongoing employee development and feedback.
• Ensure investigations, initial and periodic reviews of high risk customers are risk assessed, reviewed, and assigned on a risk-based prioritization approach in a timely manner.
• Provide oversight of investigations, initial and periodic reviews of high risk customers in accordance with prescribed timelines including internal controls, procedures, and regulatory requirements.
• Ensure timely regulatory reporting while adhering to regulatory requirements and internal controls.
• Ensure other ongoing activities are performed according to established policies and procedures.
• Lead a team of AML Financial Crime Investigators to achieve business/operational objectives and maintain effective day-to-day operations.
• Review and assess incoming files and allocate to appropriate Investigators/Investigative Specialists.
• Conduct investigations as a working lead where cases have been specifically assigned ensuring proper analysis and investigation standards are followed.
• Prepare applicable documents based on criminal and/or non-criminal proceedings.
• Collaborate with counterparts from other institutions and/or external organizations (e.g., public sector, government, law enforcement) to gather intelligence information where necessary.
• Ensure investigations are conducted and completed in a timely manner.
• Identify and communicate procedural weaknesses to businesses and ensure processes for remediation are in place.
• Maintain strong awareness of emerging trends and investigative techniques for own area of specialty.
• Represent the department on internal projects/committees as necessary.

• Contribute to the development of the business plan, operationalize the plan and deliver on assigned service/functionality.
• Work with key business leaders to develop business plans, ensuring optimal use of resources.
• Monitor and communicate effectiveness of strategies, programs, and practices related to own area of accountability.
• Ensure programs, policies and practices meet business needs, comply with requirements, and align with business priorities.
• Proactively identify key business opportunities, research and recommend enhancements/modifications.
• Coordinate activities with partners across the organization including HR, Technology, Finance, Risk Management.
• Ensure team operates in compliance with applicable internal and external requirements.
• Lead relationships with business lines/corporate functions to ensure alignment with enterprise and/or regulatory requirements.
• Keep abreast of emerging issues, trends, and evolving regulatory requirements.
• Maintain a culture of risk management and control, supported by effective processes.

• Responsible for management of the overall team providing leadership and guidance.
• Set targets and objectives for the team, and deliver results.
• Develop a team of professionals in all aspects of related competencies and act as resource and mentor.
• Grow team expertise to align with business demand; assess team skills and capabilities.
• Lead a high performing team; provide feedback and performance reviews, coach and develop employees.
• Manage employees in compliance with all human resources policies and procedures.
• Share knowledge, information, skills, and expertise among the team and ensure timely communication of issues.
• Establish and foster a cohesive team; promote a fair and equitable environment.
• Act as a brand ambassador for your business area/function and the bank.

• Provides people management leadership by hiring the best talent, setting goals, developing employees, managing performance, and handling disciplinary actions.
• Manages a team of Investigators for a specific geographical area/business unit.
• Demonstrates broad and in-depth knowledge of investigative techniques and financial criminal trends.
• Involved in thematic and/or complex investigations that may have significant reputational impact.
• Ability to present and make recommendations to senior management.
• Coordinates and prioritizes multiple initiatives and manages resource allocation.
• Establishes effective relationships with different stakeholders, business sponsors, and executives.
• Deep knowledge of businesses, technology, and organizational practices.
• Focus on short to medium-term issues (e.g., 6-12 months).
• Reports to a Senior Manager or an executive role.

• Undergraduate degree or relevant professional certifications required.
• 7+ years relevant experience.
• Strong knowledge of Canadian AML legislation and guidance including FINTRAC, OSFI, and PCMLTFA.
• Strong knowledge of Ministerial Directives.
• Strong knowledge and experience with KYC requirements, EDD, and High Risk Customer Program.
• Strong knowledge of various entity types that may be deemed high risk.
• Strong knowledge of current and emerging trends in money laundering and terrorist financing.
• Excellent oral and written communication skills.
• Coaching and counseling skills.
• Ability to delegate work, work independently, and build positive relationships.
• Strong decision-making and critical thinking skills.
• Ability to respond to shifting priorities quickly.
• 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 the fifth largest bank in North America by branches/stores. We deliver legendary customer experiences to over 27 million households and businesses. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities, and colleagues.

Our Total Rewards Package: Our Total Rewards package reflects the investments we make in our colleagues to help them achieve their financial, physical, and mental well-being goals. Total Rewards includes a base salary, variable compensation, health benefits, savings and retirement programs, paid time off, and career development opportunities.

Additional Information: We're delighted that you're considering building a career with TD. Through development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive.

Training & Onboarding: We will provide training and onboarding sessions to ensure you have everything you need to succeed in your new role.

Interview Process: We'll reach out to candidates of interest to schedule an interview and communicate outcomes to all applicants.

Accommodation: Your accessibility is important to us. Please let us know if you'd like accommodations to help us remove barriers during the interview process.

Language Requirement: N/A.