Senior Investigator, HRCO

Is this role right for you? In this role, you will: Oversee up-to-date workflows/record keeping of escalations to the 2nd line. Ensure key milestones are met while meeting productivity targets. Support manager oversight, on behalf of the Group CAMLO, for all HRCO-designated high-risk customer activities (EDD, STR, Sanctions, etc.) for Canada and Global Wealth, to make sure appropriate risk mitigation strategies have been applied by: Supporting the execution of the Terrorist Incident Group Event Response (TIGER) protocol and mitigating the AML risks of other complex scenarios, such as external referrals (i.e., Production Orders, GRIDs, etc.); Facilitating and participating in meetings with the relevant stakeholders as required; Conducting HRCO-designated high-risk case reviews to ensure all identifiable risks have been mitigated; Assisting HRCO management in delivering support to AML Advisory teams by driving consistent oversight and management of HRCO-designated high-risk customers and ensuring appropriate decisions are obtained aligned with approved policies and processes; Working with HRCO management, as well as with the AML Advisory teams and the business, to develop and articulate our customer risk appetite for particular customer segments and ensure this is applied to decision-making; Identifying and investigating high-risk Clients, including but not limited to potential politically exposed persons (PEPs)/politically exposed foreign persons (PEFPs), and/or Sanctions, and referring, as appropriate, to internal partners (e.g., EDDU, Global Sanctions, etc.); Identifying and suggesting ML/TF awareness training needs to discuss trends and changes in AML typologies; Requesting and analyzing information from internal departments and external sources to support the production of AML Client Risk Reports (AML CRR); Conducting complex, enterprise-wide corporate risk assessments using public and proprietary data sources. Collaborate with partners (EDDU, Sanctions, etc.) in the review of business processes, resulting in recommendations to the Manager for measurable improvements while leveraging reusable (process) components, structures, and enterprise-wide technologies that are effective and efficient, and ensuring that risk is minimized by: When directed by the Manager, conducting needs analyses to implement effective procedures and/or improve/replace with more efficient customer-centric AML and TF processes and procedures that will mitigate reputational, regulatory, and financial risk to the bank; Making recommendations to the Manager to change policy that results in increased productivity with no increase in risk; Making recommendations to the Manager to enhance the employee and customer experience while effectively mitigating AML/TF; Identifying trends and potential AML/TF concerns and working with the Manager, as well as key stakeholders, to ensure they are known and appropriate risk mitigation strategies are developed. Oversee projects working independently (at the direction of the Manager) or within cross-functional teams by: Collaborating on and developing proposals; Coordinating with the enterprise training group and business lines to ensure appropriate training on managing high-risk customers is in place for relevant stakeholders and, where relevant, delivering training; Establishing milestones and assessing work effort; Working with a diverse working group, with varying expertise and job levels; Ensuring all deliverables are completed within negotiated timeframes and within established department guidelines and protocols, escalating as necessary. Performing and documenting FIU/SIU/SIUP ML/TF investigations, including clearly reasoned findings and supporting documentation, in accordance with Enterprise AML and internal policies and procedures; Performing increased-risk and/or complex investigations and providing recommendations and reports on investigative trends and outcomes; Investigating client records, activities, and account information to determine whether unusual activity may indicate RGS; Preparing and delivering investigative results to appropriate staff, including identification of trends and areas for improvement; Identifying and reporting RGS in accordance with regulatory reporting requirements and timelines. Recommending risk mitigation actions and next steps at the conclusion of case investigations, including but not limited to demarketing, retention, or Caution List recommendations. Sharing subject matter expertise and providing specialized advice, guidance, and direction to team members on ML/TF and case investigations; Maintaining up-to-date knowledge and skills relevant to ML/TF, Sanctions, and other regulatory matters to support case investigations; Identifying challenges and obstacles related to team objectives and escalating them appropriately; Understanding and applying the Bank’s risk appetite and culture in day-to-day activities and decision-making; Actively pursuing effective and efficient operations in your area while ensuring adherence to and effectiveness of business controls to meet obligations related to operational risk, regulatory compliance risk, and conduct risk. This includes responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook, and Guidelines for Business Conduct; Championing a high-performance environment and contributing to an inclusive workplace. Do you have the skills that will enable you to succeed? We’d love to work with you if you have experience with: University degree or equivalent, and a minimum of 2 years of experience in AML and/or risk disciplines. Extensive investigative skills along with 5 years of documented AML or law enforcement experience may substitute for university degree requirements. Certified Anti-Money Laundering Specialist (CAMS) designation is an asset. Demonstrated expertise in ML/TF investigations. Knowledge of local and relevant AML laws and regulations. Strong understanding of financial transactions along with an understanding of technology. Good investigative skills and demonstrated understanding of complex financial transactions. Demonstrated ability to exercise sound judgment as to the materiality of risks identified. Proven ability in determining required risk mitigation activities with appropriate consideration to the impact on the business line. Good interpersonal and communication skills. Uses an analytical approach to problem-solving, coupled with attention to results and a sense of urgency. Ability to communicate in French and/or Spanish is an asset. Advanced knowledge of Canadian Banking and Wealth business units’ functions, procedures, products, policies, and how the various supporting units interact. A working knowledge of bank accounting and internal controls. Ability to identify gaps and trends through existing departments in the Bank. Proficient, short, and concise written and verbal skills required to prepare communications and interact effectively with other Bank departments and external parties. Excellent time management skills to meet strict deadlines. Thorough knowledge of related regulatory requirements including KYC, AML, Anti-Terrorist Financing Policies, Compliance Control & Operational Risk Self-Assessments legislation and procedures. Thorough knowledge of the Bank’s interactive systems including Excel, PowerPoint, Word, Power BI, SharePoint, Acrobat. Advanced knowledge of core AML systems (Oracle, Navaera, Certapay, IntraLink Applications, etc.). What's in it for you? In-depth training to prepare you for the role, as well as ongoing coaching and feedback to help you succeed You'll be part of a diverse, collaborative, innovative, and high-performing team We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching Health Benefits from day one You will relish work-life balance, team events, and opportunities to participate in the community. Your career matters You will have access to career development and progression opportunities.