Financial Crime Risk Investigator Ii, Lead

1 month ago

Toronto, Canada TD Bank Full time

**Work Location**:
Toronto, Ontario, Canada

**Hours**:
37.5

**Line of Business**:
Financial Crime Risk Management

**Pay Details**:
$65,600 - $98,400 CAD

**Department**:
This role is part of TD's Financial Crime Risk Management (FCRM) team in the Financial Intelligence Unit High Risk Investigations team. The broader team undertakes high risk investigations to detect, report and mitigate financial crime, as well as to proactively adapt to emerging financial crime risks in TD's efforts to protect the bank and its customers from financial crime, as well as in its role contributing to the broader AML efforts externally in collaboration with the industry and with regulators.

As a sole contributor, the Financial Crime Risk Investigator II - Lead Adjudicator will be the first stage in undertaking a preliminary assessment of inbound referrals from a variety of sources, including but not limited to production orders, GRIDs or other law enforcement referrals, to determine if they warrant further investigation for potential financial crime risk, or where an investigation is not warranted and recommended for closure. The Lead Adjudicator will also evaluate high-priority and sensitive referrals that require additional in-depth analysis that may require communicating with senior management. This position requires experienced AML knowledge to make judgement-based decisions based on early fact finding of intake materials, determine risk rating, tracking, and routing to the appropriate team to undertake further investigation. They will be comfortable making informed decisions, assessing risk ratings, documenting the rationale for the decisions, and managing high volume intake to ensure timely case assignment with appropriate investigators and will also take the lead in training newly hired employees. These investigators hold a multi-disciplinary skillset allowing them to pivot to assess cases from a variety of sources as needed meeting the demands of TD's efforts to detect financial crime using various sources.

**Key Accountabilitie **s**:

- Assess inbound referrals for risk exposure and red flags for financial crime risks at TD.
- Undertake basic research including open source, internal bank system and high level transactional assessment to quickly determine if additional investigation is warranted and at what level of complexity.
- Ensure cases are tracked for their risk rating, and rationale for decisions is appropriately documented. Leverage AML knowledge, training, and sound judgement to assess cases.
- Recommend any early mitigation required.
- Provide thematic recommendations on intake sources to drive ongoing improvement in quality of referrals.
- Lead in training of new colleagues
- Assist in time sensitive ad hoc requests.

**Depth & Scope**:

- Works as part of a team dealing with fast paced, high volume and time sensitive deliverables.
- Close working relationship with other teams in AML for risk mitigation and shared casework
- Leveraging strong judgement across casework considering a variety of factors to assess risk, which can be uncertain.
- Ensures well-articulated outcomes support the sound judgement used to disposition outcomes.
- Importance of strong written and verbal communication skills
- High volume of intake requiring exceptionally strong organization skills

**Education & Experience**:

- Undergraduate degree
- 4+ years relevant experience
- Demonstrated experience in banking, AML regulations, or other financial crime roles, including transactional analysis.People and stakeholder management experience.
- **Preferred Qualifications**:

- Understanding of banking and AML regulations.
- Financial crime designation or proven experience in financial crime risk management.
- Knowledge of current financial crime risk landscape
- Communication: Excellent verbal and written communication skills with particular experience in writing clearly, including instances of complex materials into succinct reporting.
- Ability to contribute toward a cohesive team, and promote a positive work environment aligned with TD's welcome culture
- Ability to manage competing priorities and deadlines.
- Ability to work successfully as a member of a team and independently
- 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 cus

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