AML Financial Crime Risk Specialist (US)

TD Bank; United States; On-site; USD 86,000 - 130,000; Full time

Job description

Work Location: États-Unis d'Amérique

Hours: 40

Pay Details: $86,840 - $130,000 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

Line of Business: Lutte blanchiment d’argent

Job Description:

The AML Financial Crime Risk Specialist role develops and maintains TD’s AML/ATF/Sanctions/ABAC programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting and/or escalation of issues. This role conducts periodic and event driven reviews of customers, including targeted reviews to assess risks. Additionally, this role supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc.

Depth & Scope:

• Highly seasoned professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas
• Integrates knowledge of the sub-functions overarching strategy in developing solutions across multiple functions or operations
• Interprets internal / external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
• Acts as a technical expert / lead integrating cross-function understanding within their own field of specialty
• Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
• Independently manages end-to-end functional programs
• Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
• Uses sophisticated analytical thought to exercise judgement and identify solutions
• Impacts the achievement of sub-function or business line objectives within the area they are accountable for
• Work is guided by policies and industry standards/methods
• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
• Works autonomously as the lead and guides others within area of expertise

Education & Experience:

• Undergraduate Degree or equivalent professional work experience
• 7+ years of experience

Customer Accountabilities:

• Leads the development of team procedures and governance processes and advises GAML stakeholders and teams of changes and enhancements to enterprise AML programs and requirements and where they may impact in the organization.
• Works with GAML partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups
• Conducts research, assesses AML risks and controls, and otherwise contributes to a specialized team of AML compliance professionals, interacting with key stakeholders
• Provides governance oversight through management of the policy and training exemption governance and reporting processes to the GAML Senior Executive Team (and related AML Sub-Committees)
• Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the AML program
• Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required
• Delivers relevant subject matter expertise and AML advice to business / GAML partners
• Interacts with control functions within the organization
• Develops and delivers training programs for applicable employees across the Bank
• Conducts meaningful research, analysis, and assessment of AML program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise AML programs
• Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment
• Leads development of processes, procedures and guidance relevant to own specific GAML function of expertise

Shareholder Accountabilities:

• Provides high quality service and advice to key business (GAML) partners and monitors progress of initiatives, action plans, or similar activities
• Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
• Delivers relevant subject matter expertise and AML advice to business (GAML) partners
• Leads new or revised product initiatives, advises businesses on AML compliance requirements and ensures that those requirements are properly written into requirements for business projects
• Participates in GAML level projects as needed, to facilitate and oversee changes to AML processes, systems, or practices
• Coordinates with other AML partners and business compliance partners to ensure consistency in the application of AML programs and standards across the enterprise
• Ensures relevant AML programs align with TD corporate philosophy and strategic direction
• Monitors AML industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts
• Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations
• Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements
• Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations
• Complies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/AML compliance

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 ensure timely communication of issues / points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Shares knowledge of the business, related tools and techniques
• Leads or participates in personal performance management and development activities, including cross training within own team
• Keeps 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
• Contributes to the success of the team by assisting others in the completion and performance of work activities, provides coaching and/or guidance as appropriate.
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand champion for the function and the bank, both internally and/or externally

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.

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 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 PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

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.

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.

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:
If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [e-mail] . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Time left to apply: Date de fin: 1 octobre 2024 (Il reste 1 jour pour postuler)

À la TD, nous avons pour objectif d’enrichir la vie de nos clients, de nos collectivités et de nos collègues, et nous avons en commun un ensemble de valeurs qui façonnent notre culture et guident nos comportements. En échange de l’engagement quotidien de nos collègues à aider la TD à réussir, nous nous engageons à leur offrir une expérience de travail qui repose sur l’impact, la croissance et la culture de bienveillance.

Notre engagement à l’égard de la diversité, de l’équité et de l’inclusion:
À la TD, nous nous engageons à créer un milieu où les collègues peuvent être eux-mêmes au travail, avoir des possibilités équitables et se sentir respectés et soutenus. Nous avons à cœur de réunir un effectif inclusif qui reflète la diversité de notre clientèle et des collectivités où nous vivons et que nous servons.

Aider à changer les choses dans nos collectivités – La promesse TD Prêts à agir:
À la TD, nous avons un engagement de longue date à bâtir un avenir plus inclusif et durable. C’est la raison pour laquelle nous avons lancé en 2018 La promesse TD Prêts à agir, qui est maintenant un projet nord-américain pluriannuel. Dans le cadre de La promesse TD Prêts à agir, nous visons un total de un milliard de dollars de dons aux collectivités d’ici 2030 dans quatre vecteurs clés de changement interreliés: Sécurité financière, Planète dynamique, Collectivités inclusives et Meilleure santé. Notre objectif est de soutenir le changement, de favoriser le progrès et de créer un monde meilleur et plus inclusif pour nos clients, nos collègues et nos collectivités.