Financial Crimes Risk Management Associate

The Toronto-Dominion Bank (Canada); Toronto; On-site; CAD 68,000 - 83,000; Full time

Job summary

The Toronto-Dominion Bank (Canada) seeks an Undergraduate Associate for its 24-month program in FCRM, based in Toronto. You will rotate across four six-month assignments, gaining experience in AML, sanctions, ABAC and governance, while building leadership and analytical skills.

You will graduate between May 2025 and May 2027 with a business-related degree and participate in structured development, mentorship, and inclusive culture initiatives at TD.

Qualifications

• Bachelor's degree in a business-related field with graduation between May 2025 and May 2027.
• Proficiency in Microsoft Office Suite (Excel, Access, Tableau, PowerPoint, Power Pivot).
• Strong analytical and problem-solving skills; ability to work in a fast-paced environment.
• Ability to develop solid business relationships with clients, partners and stakeholders.
• Well organized; can prioritize multiple tasks and meet deadlines.
• Strong communicator with the ability to influence others; presentation skills.
• Ability to handle confidential information with discretion.
• Desire to work in a caring, respectful and inclusive environment.

Responsibilities

• Perform research, analysis, advisory and operational support on AML, sanctions and program risks.
• Define opportunities for process improvements within assigned areas.
• Support rotation projects and collaborate with internal teams.
• Learn from mentors and develop leadership skills throughout rotations.

Skills

Communication skills

Analytical skills

Problem-solving

Relationship building

Organizational skills

Presentation skills

Discretion with confidential info

Education

Bachelor's degree in business-related field

Tools

MS Office Suite (Excel, Access, Tableau, PowerPoint, Power Pivot)

Job description

Role Type: Undergraduate Work Location: Toronto, Ontario, Canada Hours: 37.5 Pay Details: $75,000 - $75,000 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 organization 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.

DEPARTMENT OVERVIEW

For TD Bank Group (TD) to remain competitive, it is essential to selectively take and manage risks. TD acknowledges that having a strong risk culture and a robust approach to risk management is fundamental to our ongoing success. FCRM is responsible for compliance with anti-money laundering (AML), anti-terrorist financing, sanctions, and anti-bribery/anti-corruption legislation and prudential risk management across the global footprint of TD. We direct the design, content and enterprise-wide implementation of the FCRM Program at TD. FCRM teams act as proactive and trusted advisors to TD business lines while supporting a consistent, adaptable and effective culture across the organization.

JOB DESCRIPTION

About the Program If you can find clarity inside complexity, have a keen eye for research and a passion for procedure, this program is for you. Our 24-month Associate Program for new graduates is designed to attract, develop and retain top talent and build a leadership pipeline within FCRM. In this program you'll complete four customized, six-month rotations within FCRM where you may learn more about: Business Segment Oversight/Advisory Teams Financial Intelligence Unit Centralized Sanctions Group Policy, Training, and Governance We align rotation opportunities with our business strategies to ensure you work on the most important priorities.

What You'll Do

Here’s what that means for each rotation in this program:

• Make an Impact Use your strong communication, analytical and problem-solving skills to add value to each rotation you're assigned Provide a range of research, analysis, advisory and operational support to internal team members and/or business groups on AML, sanctions, ABAC, compliance matters and related program risks Use your strong communication, analytical and problem-solving skills to add value to projects you’re assigned Define opportunities for continued enhancements to departmental processes and make recommendations within assigned areas of responsibility
• Experience Growth Build a diverse skill set, implement process improvements and develop the confidence to tackle challenging tasks in an entirely new area of each line of business rotation Receive feedback and mentorship from senior management. You’ll connect with senior management and gain valuable experience from experts at the top of their game who can help you develop your leadership skills Learn from your dedicated mentor(s) throughout your 24-month rotation Cultivate
• Cultivate Our Culture of Care Interact with other Associates to share learnings and network within the organization Develop strong relationships to help identify collaborative opportunities and coordinate efforts with other Risk groups Be supported by a robust team of colleagues, peers and advisors to ensure your growth, development and success

COLLEAGUE DEVELOPMENT

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. Receive 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.

JOB REQUIREMENTS

What You Need to Succeed

• Proficiency in Microsoft Office Suite (Excel, Access, Tableau, Power Point, Power Pivot)
• Strong conceptual, analytical and problem-solving skills; can see the 'big picture' in a complex or ambiguous environment
• Ability to develop solid business relationships with clients, business partners and stakeholders
• Well organized; can prioritize multiple tasks and deliver results on multiple deadlines in a fast-paced environment
• Strong communicator with the ability to impact and influence others; demonstrated presentation skills
• Ability to handle confidential information with discretion
• Desire to work in a caring, respectful and inclusive environment where all employees are supported

ADDITIONAL INFORMATION

Educational Requirements; Must be graduated between May 2025 and May 2027 with a bachelor's degree in a business-related field.

Program Location and Start Date

Toronto-based program which starts in July 2027. Candidates must have graduated prior to start (including final grades, excluding convocation).

Hours & Workplace Model: Monday–Friday, standard business hours

INCLUSIVENESS

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs. We welcome all applications; however, we will only contact qualified candidates chosen for an interview. We thank all applicants for their interest! 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 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

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.

Language Requirement (Quebec only)

Sans Objet

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