Senior Financial Crime Risk Analyst (US Sanctions Escalations)

TD; Mount Laurel Township (NJ); On-site; USD 72,000 - 118,000; Full time

Job summary

TD Bank in Mount Laurel, NJ is seeking a Senior Financial Crime Risk Analyst to lead 2nd level reviews of payment and name screening alerts for sanctions implications. The role includes periodic KYC reviews, mentoring teammates, and guiding escalations across business lines.

You will help develop TD’s AML/ATF/Sanctions/ABAC frameworks, policies, and training, while coordinating with Compliance, Legal and Risk partners to support regulatory reporting and risk assessment initiatives.

Qualifications

• Undergraduate degree or equivalent work experience.
• 5+ years experience in financial crime risk management or similar.
• Ability to mentor analysts and review referrals.

Responsibilities

• Perform 2nd level reviews of payment screening and name screening alerts for sanctions implications.
• Mentor other analysts and review referrals or escalations from other lines of business.
• Contribute to development and maintenance of AML/ATF/Sanctions/ABAC programs and training.
• Coordinate with Compliance, Legal and Risk teams to support documentation and reporting.

Skills

Sanctions knowledge

Mentoring

Advanced analytics

Regulatory awareness

Education

Undergraduate degree or equivalent

Tools

AML software

Job description

Work Location:Mount Laurel, New Jersey, United States of AmericaHours:40Pay Details:$72,280 - $117,520 USDTD 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 ManagementJob Description:Department Overview: This Senior Financial Crime Risk Analyst role under the Sanctions Group will perform 2nd level reviews of payment screening and name screening alerts to identify any sanctions implications or individuals/entities that may be designated. In addition, this role also involves periodic KYC reviews of sanctioned country nationals or citizens of broadly sanctioned jurisdictions. Lastly, this Senior Analyst will be responsible for mentoring other analysts and reviewing referrals or escalations from other business lines to determine any sanctions implications or red flags that may include sanctions evasion. There are additional responsibilities and the expectation of leadership to be a subject matter expert to guide other team members.The Senior Financial Crime Risk Analyst role contributes to the development and maintenance of 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:Works independently as the senior analyst / subject matter expert and may coach and educate othersOversees and/or independently performs tasks from end-to-endApplies expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performanceExecutes on more complex and/or non-standard requestsResearches and investigates a range of operational / reporting / process issuesRecommends and implements solutions within own area of responsibilityMay need to coordinate / integrate work with other areas as neededProvides advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertiseRequires advanced technical / business / function knowledge for discipline supportedHigh level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focusRepresents the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organizationEducation & Experience:Undergraduate degree or equivalent work experience5+ years experienceCustomer Accountabilities:Contributes to the development of team procedures and governance processes and advises FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.Works with FCRM 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 groupsConducts research, assesses FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholdersProvides governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)Assists FCRM team members in the use of Issues and Events system for tracking and reportingPrepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM programDelivers relevant subject matter expertise and FCRM advice to business / FCRM partnersInteracts with control functions within the organizationDevelops and delivers training programs for applicable employees across the BankConducts meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programsPrepares research, analysis, updates tools and/or supports training activities specific to risk assessmentContributes to the development of processes, procedures and guidance relevant to own specific FCRM function of expertiseShareholder Accountabilities:Prioritizes and manages own workload to meet SLA requirements for service and productivityProvides high quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activitiesProtects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issuesDelivers relevant subject matter expertise and FCRM advice to business (FCRM) partnersParticipates as assigned in new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projectsParticipates in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practicesCoordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterpriseEnsures relevant FCRM programs align with TD corporate philosophy and strategic directionMonitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impactsContributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situationsComplies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as requiredMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteParticipates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM complianceContributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situationsEmployee/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 ensures timely communication of issues / points of interestShares industry knowledge for own area of expertise and participates in knowledge transfer within the team and functionGrows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activitiesContributes to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate.Contributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand champion for the function and the bank, both internally and/or externallyPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.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 PackageOur 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. Learn moreAdditional 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 DevelopmentIf 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process.