Senior Financial Crime Risk Testing Analyst

Financial Crime Risk Management Role

This role is primarily off-site, but must be available to come into a TD FCRM location for 'Moments that Matter', at the frequency determined by the business line. Candidates within a 50 mile radius of listed locations is strongly preferred.

Depth & Scope:

• Works independently as a subject matter expert regarding assigned testing areas and objectives, including related regulatory requirements
• Develops testing documentation and results reporting in-line with testing requirements
• Understands the use of controls for managing financial crimes risk and applies this understanding to independently evaluate controls effectiveness and develop recommendations for enhancement
• Undertakes and completes a variety of projects and initiatives as part of the testing function

Education & Experience:

• Undergraduate degree or equivalent work experience
• 5+ years experience

Preferred Skills & Experience:

• Previous work with Transaction Monitoring, EDD, KYC and/or CDD team as a subject-matter expert
• Prior investigative experience with a demonstrated understanding of what customer behaviors and transactional activity may be potentially unusual or suspicious.
• Ability to understand investigative case narratives and interpret into key findings, trends or data points that can be leveraged for better insights and improvements in transaction monitoring scenarios.
• General knowledge of AML-related policies and regulatory expectations; ability to read a policy and extract the actions that apply to customer risk.
• Ability to use judgement and expertise, sometimes in a quick manner with limited information, on what makes a customer high-risk as well as controls that can be leveraged to mitigate the risk.
• Ability to partner with other groups, especially the KYC team, Technology team and others in all Lines of Defense for collaboration and knowledge-sharing
• Ability to manage your own tasks independently, with a high degree of quality and timeliness

Customer Accountabilities:

• Executes testing engagement work in accordance with established standards to achieve completion within targeted timelines
• Conducts skilled analytical research and analysis as part of the assigned testing objectives
• Works collaboratively with key partners throughout the testing engagement
• Presents objective and independent opinion on the adequacy of processes and controls in accordance with regulatory and internal requirements
• Executes follow-up of findings raised from testing reviews in accordance with established standards
• Provides subject matter expertise on FCRM controls and processes and/or input to projects/initiatives as a representative for area of the FCRM testing function
• Proactively identifies matters which require additional attention, further escalation, or review, and liaises with the appropriate groups to resolve

Shareholder Accountabilities:

• Prioritizes and manages own workload to deliver quality results and meet assigned timelines
• Contributes to the analysis, due diligence, and implementation of initiatives within defined assignments
• Adheres to internal policies, standards and procedures, methodologies, and applicable regulatory requirements
• Understands the operations of the business unit / area being tested and to identify potential FCRM risks and apply information to complete
• Clearly and concisely documents research as required to understand requirements specific to an engagement
• Keeps abreast of emerging trends / developments and changes to regulatory framework, internal policies, and standards
• Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions
• Actively manages relationships within and across various business lines, corporate and/or control functions, and ensures alignment with enterprise and/or regulatory requirements
• Effectively communicates results to FCRM Testing management and the stakeholders
• Maintains a culture of risk management and control, supported through FCRM testing

Employee/Team Accountabilities:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues / points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge sharing with the team and/or business unit
• Keeps current on emerging trends / developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including potential cross training within own team
• Keeps team members informed and up to date about the status / progress of projects and/or all relevant or useful information related to day-to-day activities
• Develops relationships with internal and external business partners / stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Occasional
• Bending Occasional
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading, writing and comprehending instructions Continuous
• Adding, subtracting, multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation