Senior Fraud & AML Analyst
TCR Toyota Credit Canada, Inc. Company
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Benefits offered by this job
Job summary
Toyota Financial Services in Canada seeks a Senior Fraud & AML Analyst to lead the governance, monitoring, and enhancement of the organization's fraud and AML risk management framework from its Markham headquarters. You’ll partner across Risk, Compliance, Credits, Operations, and IT to ensure effective controls and timely remediation.
The role requires 5+ years in fraud/AML with experience in KPI/KRI reporting, data analytics (Power BI/Tableau), and strong communication skills.
Qualifications
- Bachelor's degree as listed in the qualifications.
- Professional certification related to fraud prevention, AML, investigations, or financial crimes is an asset.
- 5+ years of experience in fraud operations, fraud prevention, AML/ATF compliance, financial crime, risk management, or related financial services functions.
Responsibilities
- Govern fraud and AML governance routines, standards, dashboards, and reporting.
- Analyse fraud trends, monitor detection rules, and support remediation.
- Support AML/ATF controls including KYC, CDD, EDD, sanctions screening, and adverse media monitoring.
- Prepare KPI/KRI and management reporting on fraud/AML trends and performance.
- Lead investigations and escalate material fraud/AML issues with stakeholders.
- Develop and maintain Fraud & AML training materials and awareness content.
- Drive continuous improvement of governance frameworks and data quality.
Skills
Education
Tools
Job description
About Toyota Financial Services Toyota Financial Services (TFS) provides retail, leasing and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. TFS is a member of Toyota Financial Services Corporation (TFSC), a wholly-owned subsidiary of Toyota Motor Corporation in Japan with the Canadian operation headquarters in Markham, Ontario
At Toyota Financial Services (TFS), you will help create best in class customer experiences in an innovative, collaborative and team-focused environment. TFS is an important part of the Toyota family, an award-winning global company, recognized worldwide for our technological leadership and superior standards of quality, continuous improvement and environmental responsibility.
TFS currently has an exciting permanent opportunity as a Senior Fraud & AML Analyst, reporting to the Vice President, Risk Management. This role will reside in our Markham Head Office. The Senior Fraud & AML Analyst is responsible for the ongoing operation, governance, maintenance, and continuous enhancement of the organization's fraud and anti-money laundering risk management framework.
- Coordinate and maintain Fraud & AML governance routines, operating standards, escalation pathways, dashboards, control inventories, and management reporting.
- Partner with stakeholders across Risk, Compliance, Credit, Collections, Operations, Technology, and Internal Audit to ensure a coordinated approach to financial crime risk management.
- Maintain documentation, including operating models, RACI matrices, procedures, playbooks, policies, training materials, control evidence, and sustainment plans.
- Track open Fraud & AML actions and coordinate follow-up activities to ensure timely remediation and accountability.
- Analyze fraud trends, patterns, losses, recoveries, and emerging typologies to identify potential risks and recommend effective mitigation strategies.
- Support the ongoing review, tuning, and performance monitoring of fraud detection rules, FraudIQ utilization, alerts, and related fraud controls.
- Lead fraud-related investigations and coordinate escalation of significant fraud events, control failures, unusual activity patterns, and emerging risks.
- Recommend and support implementation of enhancements to strengthen fraud detection, monitoring, reporting, and operational effectiveness.
- Work closely with internal stakeholders to identify opportunities for improving existing controls, policies, procedures, and governance processes.
- Support the operation and sustainment of AML/ATF controls relating to KYC, CDD, EDD, beneficial ownership, sanctions screening, PEP/HIO/RCA requirements, adverse media monitoring, and ongoing customer due diligence.
- Partner with Compliance and the CAMLO to support AML control effectiveness, issue tracking, documentation, reporting, and evidence management while maintaining CAMLO independence and regulatory accountability.
- Assist with updates to AML-related procedures, control documentation, escalation pathways, and training materials.
- Monitor AML-related control performance and support remediation of identified gaps and opportunities for improvement.
- Prepare reporting and management information on fraud and AML trends, alert volumes, investigations, losses, recoveries, control performance, and remediation activities.
- Develop and maintain KPI and KRI reporting to support management oversight and decision-making.
- Analyze data and identify patterns indicative of fraud, financial crime, control weaknesses, or emerging risk trends and recommend actionable improvements.
- Support dashboard development and enhancement using available reporting tools and data sources.
- Prepare comprehensive reporting and analysis for senior management and stakeholders on a monthly and ad hoc basis.
- Support investigation of high-risk or unusual fraud and financial crime matters as required.
- Ensure investigation documentation is complete, consistent, evidence-based, and suitable for regulatory, audit, legal, and management review.
- Coordinate escalation of material fraud trends, AML red flags, suspicious activity, control deficiencies, or emerging typologies to appropriate stakeholders.
- Assist in maintaining strong issue management, tracking, and remediation processes across the organization.
- Develop and maintain Fraud & AML training materials, awareness communications, and supporting documentation.
- Provide training and guidance on fraud indicators, AML red flags, escalation requirements, documentation expectations, and control procedures.
- Support ongoing education initiatives to enhance fraud and AML awareness throughout the organization.
- Coordinate updates to training content to reflect evolving risks, typologies, regulatory expectations, and system enhancements.
- Identify and recommend opportunities to improve governance, controls, reporting, data quality, operational effectiveness, and stakeholder engagement.
- Support validation activities, audit readiness initiatives, effectiveness reviews, and management reporting requirements.
- Drive continuous improvement initiatives designed to strengthen fraud and financial crime risk management capabilities across TCCI.
- Bachelor's degree in Criminology, Risk Management, Business, Finance, Data Analytics, Compliance, or a related field.
- Professional certification related to fraud prevention, AML, investigations, or financial crimes such as CFE, CAMS, CFCS, ICA, ACFCS, or equivalent designation is considered an asset.
- 5+ years of experience in fraud operations, fraud prevention, AML/ATF compliance, financial crime, risk management, credit risk, or related financial services functions.
- Strong understanding of fraud detection, fraud investigations, AML red flags, KYC/CDD/EDD requirements, transaction monitoring, sanctions screening, and financial crime control practices.
- Practical knowledge of regulatory requirements, governance frameworks, and reporting obligations relating to fraud and AML/ATF compliance.
- Experience supporting governance forums, issue management processes, control inventories, operational reporting, dashboards, and KPI/KRI development.
- Strong analytical skills with the ability to interpret complex data, identify trends, assess control effectiveness, and recommend practical solutions.
- Experience with analytical and reporting tools such as Power BI, Tableau, SQL, Python, Excel, or similar platforms.
- Strong communication and interpersonal skills with the ability to effectively collaborate with stakeholders across multiple business functions.
- Excellent written communication and presentation skills, including the ability to prepare management-ready reports and audit-ready documentation.
- Strong organizational and time management skills with the ability to manage competing priorities and meet deadlines while maintaining a high standard of quality.
- Ability to operate and continuously improve consultant-designed frameworks, controls, governance routines, and operating models after implementation and handover.
- A work environment built on teamwork and respect
- Competitive salary including bonus
- Health and dental benefits effective immediately.
- Company pension plan with matched contribution
- Associate vehicle discount program
- Professional growth and development programs to help advance your career, as well as tuition reimbursement.
- Fitness reimbursement
- Competitive time off benefits
- Great company culture-Respect for people and continuous improvement is at our core
- Hybrid work environment (based on role requirements)
Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. We are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business. Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, or any other characteristics protected by law.
Toyota has a proud legacy of over 50 years of operating in Canada with three affiliated companies responsible for the manufacturing, sales and financing of Toyota and Lexus vehicles in Canada. These are Toyota Motor Manufacturing Canada, Toyota Canada Inc. and Toyota Financial Services. From exhilarating design and revolutionary manufacturing processes, to innovations in safety and connectivity, we’re building vehicles that make our roads safer, our communities cleaner and inspire our customers and employees to make the most of every journey. On this site you can view open positions for both Toyota Canada Inc. and Toyota Financial Services. For open positions at our Toyota Motor Manufacturing Canada plant located in Cambridge, please click here. You can also learn more about all three companies below.
Toyota Canada Inc. (TCI) is responsible for the marketing, sales, distribution and customer service of Toyota and Lexus products and services across Canada. With our 287 dealer partners, we strive to deliver industry leading experiences for our customers.
TCI’s head office is located in Toronto, with regional offices in Vancouver, Calgary, Montreal and Halifax, and Parts Distribution Centres in Toronto and Vancouver.
Toyota Financial Services (TFS) provides retail, leasing and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. TFS is a member of Toyota Financial Services Corporation (TFSC), a wholly-owned subsidiary of Toyota Motor Corporation in Japan with the Canadian operation headquarters in Markham, Ontario.
At Toyota Financial Services (TFS), you will help create best in class customer experiences in an innovative, collaborative and team focused environment. TFS is constantly seeking new ways to innovate by creating products and services that add value for our customers.
Toyota Motor Manufacturing Canada (TMMC) is a world-class automotive facility with manufacturing plants located in Cambridge and Woodstock, Ontario. Having produced more than eight million vehicles, we are one of the largest Toyota Motor Manufacturing facilities in North America. Recent investments at its facilities in Ontario will allow for increased production of the top-selling Toyota RAV4 and RAV4 Hybrid models in addition to the Lexus RX 350 and RX 450H vehicles.
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