AML Financial Crime Risk Investigator II (Enhanced Due Diligence, High Risk Customer Program, Ministerial Directives) - 1029

Description

The High Risk Customer Program consist of dedicated and specialized teams with AML subject matter experts with accountabilities to conduct the enhance due diligence of high risk customers.

Within the High Risk Customer Program resides a team that focuses on MSBs including Principals, Branches and Agents, Ministerial Directives, and other specialized types of high risk customers.

The AML Financial Crime Risk Investigator II (Enhanced Due Diligence, High Risk Customer Program, Ministerial Directives) reports to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program, Ministerial Directives).

• The AML Financial Crime Risk Investigator II (EDD, High Risk Customer Program, Ministerial Directives) is responsible for;
• Conducting end to end EDD reviews / AML investigations specifically relating to high risk customers focusing on Ministerial Directives, and other specialized types of high risk customers.
• 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 (EDD, High Risk Customer Program, Ministerial Directives) where needed.
• May provide QA / review and mentorship of a team.
• The AML Financial Crime Risk Investigator II (EDD, High Risk Customer Program, Money Service Business, Ministerial Directives) also supports the High Risk Customer Program in Canada while partnering with internal and external stakeholders including, vendor engagements, advisory teams, 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.

CUSTOMER

• Conduct initial and periodic enhanced due diligence reviews of high risk customers and investigations with a focus on Ministerial Directives in addition to investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions / ABAC & Financial Crime investigations including the determination of unusual and / or suspicious activities for regulatory reporting in a timely manner, as well as risk mitigation such as demarketing of relationships and accounts.
• Conduct data analysis, manipulation and interpretation looking for patterns and anomalies
• Initiate investigations and / or responds to emerging AML and Sanctions / ABAC risks.
• Assist with reviewing and investigating court orders (subpoenas) related to criminal actions.
• Prepare and deliver AML, Sanctions / ABAC & Financial Crime and / or fraud detection / loss prevention training or updates to Bank Employees or other agencies as assigned
• Ensure regulatory reporting is conducted promptly and / or without delay while adhering to regulatory requirements and internal controls.

SHAREHOLDER

• Lead work streams by acting as a project lead for medium scale projects / initiatives in accordance with project management methodologies
• Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate
• Conduct reporting and / or meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs / policies / practices
• Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging trends for own functional area
• Protect the interests of the organization identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary
• Maintain appropriate project records, databases, and information; report to management and others on project status and updates
• Monitor service, productivity and assess efficiency levels within own function and implement continuous process / performance improvements where opportunities exist
• Acquire and apply expertise in the discipline, provide guidance, assistance, and direction to Analysts, Investigators and others
• Identify, recommend, and effectively execute standard practices applicable to the discipline
• Adhere to internal policies / procedures and applicable regulatory guidelines
• 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 the success of the team by willingly assisting others in the completion and performance of work activities;

provide training, coaching and / or guidance as appropriate.

• 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 :

• Experienced working professional role providing services, advisory or processes / program support
• Requires experienced, conceptual, and practical knowledge within respective area and knowledge of broader related areas
• Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area
• Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programs
• Works within broad guidelines / policies and independently performs tasks from end to end
• Work performed under minimal management guidance and supervision
• Generally, reports to a Manager

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or relevant professional certifications, designations, or equivalent required
• 3+ years relevant experience
• 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
• Knowledge and subject matter expert of the Ministerial Directives, as well as other various entities that may be deemed high risk in nature such as Money Service Businesses (Principals, Branches and Agents);
• Dealers in Precious Jewels, Stones or Metals; Politically Exposed Foreign Persons; Crowdfunding Platforms or Crowdfunding Platform Services;

Nonbank (third party) Payment Providers and; White Label Automated Bank Machine Providers

• Knowledge and experience with investigating complex and sensitive ML / TF and sanctions investigations
• Knowledge and experience with KYC requirements, EDD and High Risk Customer Program with focus on Ministerial Directives
• Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions.
• Knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
• Knowledge of investigative techniques and tools including data analytics, link analysis, forensic analysis among others
• 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 relationship
• 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.

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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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 (Quebec only) :

Sans Objet