Financial Crime Risk Analyst II

Jobtailor; Markham; On-site; CAD 90,000 - 130,000; Full time

Job summary

TD Securities is seeking an experienced QA reviewer to conduct independent reviews of AML monitoring and investigations, ensuring documentation quality, rationale, and regulatory reporting considerations are sound.

You will identify gaps, provide actionable recommendations, and support audits, regulatory examinations, and governance reporting while maintaining confidentiality and professional judgment across complex cases.

Qualifications

• Minimum 5+ years in AML/ATF, financial crime, investigations, QA/QC, audit, or risk management.
• Experience reviewing TD Securities, wholesale banking, or capital markets AML activity preferred.
• Certifications (ACAMS/CFCS/CAMS) are assets.
• Strong QA/QC methodology, sampling, and trend reporting required.

Responsibilities

• Execute independent QA reviews of AML monitoring and investigations files.
• Assess completeness, accuracy, and quality of documentation and rationale.
• Identify quality gaps, control weaknesses, and escalation needs.
• Provide QA observations and recommendations for process improvements.
• Support audit, regulators, and governance reporting with QA findings.

Skills

Attention to Detail

Analytical Skills

Communication Skills

Stakeholder Management

Independent Work

Education

Undergraduate degree or equivalent experience

ACAMS

ACFCS

CAMS

CFCS

Tools

Microsoft Office

Excel

Case Management Systems

Monitoring Systems

Data Systems

Job description

• Execute independent QA reviews of TD Securities AML monitoring and investigations files
• Assess completeness, accuracy, and quality of investigation documentation, alert disposition, rationale, evidence, red flags, escalation decisions, and regulatory reporting considerations
• Review monitoring activities for ML/TF and sanctions evasion risks across TD Securities products and processes
• Evaluate investigation conclusions using open-source searches, transaction reviews, adverse media, KYC/KYB context, and documented rationale
• Identify quality gaps, control weaknesses, inconsistent procedures, and matters requiring escalation
• Provide objective QA observations and recommendations for process improvement and effective control outcomes
• Support follow-up on QA findings, remediation activities, action plans, and recurring quality themes
• Support sample selection, QA reporting, tracker updates, quality-result analysis, management information, and responses to Audit, testing teams, regulators, and oversight partners
• Maintain relationships with QA management, TD Securities Monitoring & Investigations, FCRM Business Oversight, and control partners
• Manage assigned QA workload within SLA and reporting timelines
• Apply a risk-based lens to identify unusual activity, suspicious activity indicators, red flags, high-risk jurisdictions, sanctions concerns, correspondent banking risks, and downstreaming concerns
• Document evidence-based and defensible QA results
• Contribute to trend analysis, issue escalation, reporting, and QA methodology enhancements
• Support internal audit, regulatory examination, and governance reporting
• Participate in calibration discussions, QA huddles, process clarification sessions, and cross-training
• Keep current on TD Securities products, AML typologies, regulatory developments, emerging risks, investigative tools, and internal procedures
• Share knowledge and best practices with peers and provide informal guidance to junior analysts
• Communicate review status, issues, escalations, and emerging themes to QA leadership and stakeholders

Requirements

• Undergraduate degree or equivalent experience preferred
• 5+ years of experience in AML/ATF, Financial Crime, investigations, QA/QC, audit, risk management, compliance testing, or TD Securities/capital markets operations
• Prior experience reviewing or investigating TD Securities, wholesale banking, correspondent banking, capital markets, or securities-related AML activity is preferred
• ACAMS, ACFCS, CAMS, CFCS, or equivalent financial crime certification is considered an asset
• Experience with STR/UTR assessment, RGS thresholds, adverse media, sanctions-related escalation, and investigative documentation is an asset
• Strong understanding of AML/ATF, sanctions evasion, suspicious transaction monitoring, UTR/STR decisioning, and relevant Canadian regulatory expectations
• Knowledge of securities, capital markets, investment banking, or wholesale banking products and processes
• Understanding of cross-jurisdictional AML considerations, including regional escalation requirements and MLRO referral considerations
• Strong understanding of QA/QC methodology, including sampling, quality standards, error identification, calibration, thematic analysis, and quality trend reporting
• Ability to apply a risk-based approach when assessing investigation quality, procedural adherence, documentation sufficiency, and potential control gaps
• Strong analytical skills with the ability to assess complex transactions, investigation narratives, customer activity, risk factors, and supporting evidence
• Ability to assess Reasonable Grounds to Suspect rationale
• Ability to identify root causes and recurring quality themes
• Ability to clearly articulate QA findings, rationale, recommendations, and quality themes in writing
• Strong attention to detail and documentation discipline
• Ability to manage multiple priorities, review cycles, and deadlines
• Proficiency with Microsoft Office, Excel, and relevant internal investigation, monitoring, case management, and data systems
• Sound judgment, professionalism, discretion, and ability to handle confidential information appropriately
• Strong collaboration, communication, and stakeholder management skills
• Ability to work independently while escalating issues appropriately
• Flexibility to support QA reviews across TDSMI and other FCI/KYC Investigation teams, processes, or portfolios

Core Competencies

Demonstrates expertise in AML/ATF compliance, investigation quality assurance, and regulatory reporting, with a strong focus on risk assessment and process improvement. Proficient in analyzing complex transactions and maintaining high standards of documentation and quality control.

Highest-signal resume keywords

• AML/ATF Compliance
• Quality Assurance Methodology
• Regulatory Reporting
• Risk-Based Assessment
• Financial Crime Investigation

ATS Optimization Keywords

Hard Skills

• STR/UTR Assessment
• Adverse Media Analysis
• Thematic Analysis
• Quality Trend Reporting
• Documentation Sufficiency
• Error Identification
• Sampling Techniques
• Transaction Review
• KYC/KYB Context
• Control Gap Identification

Soft Skills

• Attention to Detail
• Analytical Skills
• Communication Skills
• Collaboration Skills
• Stakeholder Management

Certifications & Qualifications

• ACAMS
• ACFCS
• CAMS
• CFCS

Industry Keywords

• Financial Crime
• Capital Markets
• Wholesale Banking
• Securities
• Regulatory Expectations

Tools & Technologies

• Microsoft Office
• Excel
• Case Management Systems
• Monitoring Systems
• Data Systems