Financial Crime Risk Investigator II - OneTouch (US)

TD Bank Group; Mount Laurel Township (NJ); Hybrid; USD 41,000 - 66,000; Full time

Job summary

TD Bank Group is seeking a Financial Crime Risk Investigator II in Mount Laurel, NJ. The role focuses on conducting investigations of moderate complexity within AML and sanctions contexts, with potential mentorship of teammates and QA support.

The team operates largely offsite with occasional in-person matters at TD locations. The candidate should have 3+ years in financial crime, AML investigations and strong communication skills to report findings to stakeholders.

Qualifications

• Undergraduate degree or equivalent work experience.
• 3+ years experience in financial crime or AML investigations.
• Strong knowledge of SARs, Bank Secrecy Act, and AML regulations.
• Excellent written and verbal communication for investigative reporting.

Responsibilities

• Conduct AML, Sanctions/ABAC, and financial crime investigations.
• Analyze case files and assess evidence for accuracy and patterns.
• Coordinate with law enforcement and internal partners as needed.
• Prepare and deliver training updates on AML and sanctions topics.

Skills

AML investigations

Regulatory knowledge

Communication skills

Analytical thinking

Stakeholder reporting

Education

Undergraduate degree or equivalent

3+ years experience

Job description

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$29.75 - $47.75 USD

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.

Line of Business:

Financial Crime Risk Management Job Description:

Department Overview:

Our team currently operates under a primarily offsite work model, employees must be available to come into a TD location for "moments that matter" at a frequency determined by the business.

Please note that this position requires the candidate to live within 50 miles of the closest identified TD location , and relocation would be at your own expense.

The Financial Crime Risk Investigator II conducts investigations of moderate complexity for both internal and external cases. Recommends for de-market and/or freezing accounts by the appropriate investigative unit. Conducts adjudications of moderate complexity. May provide QA/review and mentorship of a team. Applies reasonable grounds to suspect money laundering and terrorist financing.

Depth & Scope:

• 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

Education & Experience:

• Undergraduate degree or equivalent work experience
• 3+ years experience

Preferred Skills:

• Undergraduate degree preferred
• Prior AML (Anti-Money Laundering) investigations experience, within a financial institution or regulatory environment
• Strong knowledge of Suspicious Activity Reports, Bank Secrecy Act, and other relevant AML regulations
• Familiarity with current AML typologies and emerging financial crime trends in the banking sector
• Experience working in federal law enforcement or financial crime units
• Strong written and oral communication skills with an emphasis on investigative and stakeholder reporting.

Customer Accountabilities:

• Conducts investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations
• Conducts data analysis, manipulation and interpretation looking for patterns and anomalies
• Initiates investigations and/or responds to emerging AML and Sanctions/ABAC risks
• Assists with reviewing and investigating court orders (subpoenas) related to criminal actions
• Assists and coordinates investigations with various law enforcement agencies as delegated
• Prepares and delivers AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned

Shareholder Accountabilities:

• Leads workstreams by acting as a project lead for medium scale projects/initiatives in accordance with project management methodologies
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices
• Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area
• Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary
• Maintains appropriate project records, databases, and information; reports to management and others on project status and updates
• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist
• Acquires and applies expertise in the discipline, provides guidance, assistance, and direction to Analysts, Investigators and others
• Identifies, recommends, and effectively executes standard practices applicable to the discipline