Senior Fraud

Job Description Senior Fraud & AML Analyst

About Toyota Financial Services Toyota Financial Services (TFS) provides retail, leasing and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. TFS is a member of Toyota Financial Services Corporation (TFSC), a wholly-owned subsidiary of Toyota Motor Corporation in Japan with the Canadian operation headquarters in Markham, Ontario

What Sets Us Apart?

At Toyota Financial Services (TFS), you will help create best in class customer experiences in an innovative, collaborative and team-focused environment. TFS is an important part of the Toyota family, an award-winning global company, recognized worldwide for our technological leadership and superior standards of quality, continuous improvement and environmental responsibility.

Senior Fraud & AML Analyst Opportunity

TFS currently has an exciting permanent opportunity as a Senior Fraud & AML Analyst, reporting to the Vice President, Risk Management. This role will reside in our Markham Head Office. The Senior Fraud & AML Analyst is responsible for the ongoing operation, governance, maintenance, and continuous enhancement of the organization's fraud and anti-money laundering risk management framework.

What you will be doing:

Fraud Governance

• Coordinate and maintain Fraud & AML governance routines, operating standards, escalation pathways, dashboards, control inventories, and management reporting.
• Partner with stakeholders across Risk, Compliance, Credit, Collections, Operations, Technology, and Internal Audit to ensure a coordinated approach to financial crime risk management.
• Maintain documentation, including operating models, RACI matrices, procedures, playbooks, policies, training materials, control evidence, and sustainment plans.
• Track open Fraud & AML actions and coordinate follow-up activities to ensure timely remediation and accountability.

Fraud Prevention and Management

• Analyze fraud trends, patterns, losses, recoveries, and emerging typologies to identify potential risks and recommend effective mitigation strategies.
• Support the ongoing review, tuning, and performance monitoring of fraud detection rules, FraudIQ utilization, alerts, and related fraud controls.
• Lead fraud-related investigations and coordinate escalation of significant fraud events, control failures, unusual activity patterns, and emerging risks.
• Recommend and support implementation of enhancements to strengthen fraud detection, monitoring, reporting, and operational effectiveness.
• Work closely with internal stakeholders to identify opportunities for improving existing controls, policies, procedures, and governance processes.

AML/ATF Program Support

• Support the operation and sustainment of AML/ATF controls relating to KYC, CDD, EDD, beneficial ownership, sanctions screening, PEP/HIO/RCA requirements, adverse media monitoring, and ongoing customer due diligence.
• Partner with Compliance and the CAMLO to support AML control effectiveness, issue tracking, documentation, reporting, and evidence management while maintaining CAMLO independence and regulatory accountability.
• Assist with updates to AML-related procedures, control documentation, escalation pathways, and training materials.
• Monitor AML-related control performance and support remediation of identified gaps and opportunities for improvement.

Monitoring, Analytics and Reporting

• Prepare reporting and management information on fraud and AML trends, alert volumes, investigations, losses, recoveries, control performance, and remediation activities.
• Develop and maintain KPI and KRI reporting to support management oversight and decision-making.
• Analyze data and identify patterns indicative of fraud, financial crime, control weaknesses, or emerging risk trends and recommend actionable improvements.
• Support dashboard development and enhancement using available reporting tools and data sources.
• Prepare comprehensive reporting and analysis for senior management and stakeholders on a monthly and ad hoc basis.

Investigation Support and Escalation

• Support investigation of high-risk or unusual fraud and financial crime matters as required.
• Ensure investigation