AML Financial Crime Risk Investigator II - Ministerial Directives and Sanctions

TD Bank Group; Toronto; On-site; CAD 70,000 - 98,000; Full time

Job summary

TD Bank Group in Toronto, Ontario, is seeking an investigator to conduct investigations into cases of moderate complexity involving AML, sanctions, and other financial crime concerns. You will assess information to identify potential money laundering activity and recommend risk-mitigation actions for the appropriate unit.

The role requires 3+ years of experience in financial crime investigations, an undergraduate degree or equivalent, and onsite work four days a week.

Qualifications

• Undergraduate degree or equivalent work experience is required.
• 3+ years of experience in financial crime investigations or related field.
• Onsite work 4 days per week; ability to work in Toronto, Canada.

Responsibilities

• Conduct investigations into AML, sanctions/ABAC and financial crime cases of moderate complexity.
• Perform data analysis to identify patterns and anomalies in case information.
• Coordinate investigations with law enforcement agencies as needed and review related court orders/subpoenas.
• Deliver AML/ABAC and financial crime training to bank employees or external agencies as assigned.

Skills

AML investigations

Data analysis

Investigations coordination

Training delivery

Education

Undergraduate degree or equivalent

Job description

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Financial Crime Risk Management Pay Details: $69,700 - $98,400 CAD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description

Job Description Summary Conduct investigations into cases of moderate complexity, including matters involving Ministerial Directives, sanctions, and other financial crime concerns. Assess available information and apply the reasonable grounds to suspect threshold to identify potential money laundering or terrorist financing activity. Where appropriate, recommend risk-mitigation measures, including customer demarketing and/or account restrictions or freezes, for action by the appropriate investigative unit.

CUSTOMER

• Conduct investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations
• 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.
• Assist and coordinate investigations with various law enforcement agencies as delegated.
• 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

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; ... 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 ... 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 equivalent work experience 3+ years experience Work activities include a blend of highly collaborative activities and individual deliverables. Individuals are expected to be onsite 4 days a week. Colleagues may spend more or less days in office as required by the business line.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package

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. Learn more

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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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

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)

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Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific