Senior Financial Crime Analyst

Senior Financial Crime Risk Oversight Analyst

Work Location : Mount Laurel, New Jersey, United States of America Hours : 40 Pay Details : $33.00 - $54.00 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

The Senior Financial Crime Risk Oversight Analyst provides a range of research, guidance, and business oversight to assigned portfolio, business, or function to ensure that strong AML / ATF / Sanctions / ABAC controls and processes are in effect to mitigate inherent associated risks. Contributes to the development and implementation of AML / ATF / Sanctions / ABAC Compliance programs related to all aspects of AML and ATF laws. The primary responsibility of the FCRM Customer Exit and Watchlist Management team is to oversee the financial crime customer exits at the bank and manage the bank's internal Watchlist. In this capacity, the team reviews FCRM exit decisions and oversees the tracking, reporting, escalations, and restrictions related to customers identified as posing increased financial crime risk, in compliance with the bank's Customer Exit Standard. The team is also responsible for establishing the governance and monitoring routines necessary to adequately oversee the ongoing maintenance of the bank's internal Watchlist. This team also reviews Level 2 watchlist matches and determines how formerly exited customer re-established their relationship at the bank.

Depth & Scope

Specialist level professional role requiring in-depth knowledge / expertise in AML / ATF / Sanctions / ABAC and working knowledge of broader related areas Provides advanced analysis and / or specialized reporting to support business partners, functional areas, or centers of expertise Provides AML / ATF / Sanctions / ABAC advice to a business as FCRM representative on a straightforward project or change initiative Integrates the broader organizational context into advice and solutions within the AML / ATF / Sanctions / ABAC area Understands the industry, competition and the factors that differentiate the organization Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs Contact for business management, external / internal auditors, dealing with non-routine information Recommends and implements solutions within own area of responsibility May need to coordinate / integrate work with other areas as needed Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience

Undergraduate degree or equivalent work experience 5+ years experience Preferred Qualifications Undergraduate Degree Advanced degree, professional accreditation, and / or 5+ years of anti-money laundering (AML) experience within the financial services industry Certified Anti-Money Laundering Specialist (CAMS) certification preferred Preferred background in AML investigations, watchlist management, or customer exits Demonstrated initiative and creative in problem solving Excellent analytical and organizational skills, with a high level of attention to detail Exceptional ability to multi-task, prioritize projects, and meet deadlines with efficiency

Customer Accountabilities

Provides guidance on day-to-day AML / ATF / Sanctions / ABAC matters affecting the business based on regulatory compliance requirements and industry best practice, including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and / or compliance assurance and testing Provides / Executes skilled AML / ATF / Sanctions / ABAC research, risk assessment, reporting and / or analytical support in a timely manner Assists / Partners in the development and implementation of appropriate AML / ATF / Sanctions / ABAC policies, processes, and controls Supports the facilitation of periodic AML / ATF / Sanctions / ABAC risk and self-assessment activities for designated business using TD's enterprise AML / ATF / Sanctions / ABAC risk assessment framework Ensures that assessments (monitoring, risk assessment etc.) are completed and communicated in a dynamic and timely fashion Handles matters escalated for the identification of suspicious activity, or identified through the Enhanced Due Diligence process in accordance with established processes and protocols, and assists in ensuring that the business takes appropriate steps to address those activities and customers Works collaboratively with business and control partners within the organization Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products Proactively identifies matters which require additional attention and presents objective and independent opinion on the adequacy of AML / ATF / Sanctions / ABAC processes and controls and opportunities to enhance those controls Presents objective and independent opinions on the adequacy of AML / ATF / Sanctions / ABAC processes and controls in accordance with regulatory and internal requirements, and liaises with the appropriate FCRM and business partners to resolve

Shareholder Accountabilities

Reviews and provides feedback on business line policies and procedures Analyzes AML / ATF / Sanctions / ABAC compliance requirements and ensures they are properly written into requirements for business projects and approved at the appropriate levels Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate Analyzes risk exposure characteristics for assigned portfolio in accordance with established processes or procedures, making recommendations for enhancements or changes based on changes in the regulatory environment or business processes Works with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and / or examinations Keeps current on emerging issues, trends, and evolving regulatory requirements in the AML / ATF / Sanctions / ABAC industry and assesses potential impacts Coordinates with other AML / ATF / Sanctions / ABAC partners and business compliance partners to ensure consistency in the application of AML / ATF / Sanctions / ABAC programs and standards across the enterprise Protects the interests of the organization identifies and manages risks, and ensures the prompt analysis and escalation of non-standard, high-risk issues, monitoring to thorough resolution Acquires and applies expertise in the AML / ATF / Sanctions / ABAC disciplines, providing basic guidance and direction to business and other FCRM partners

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 ensures timely communication of issues / points of interest Provides thought leadership and / or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business Participates in personal performance management and development activities, including cross training within own team Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships Contributes to a fair, positive, and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area / function and the bank, both internally and / or externally

Physical Requirements

Never : 0%; Occasional : 1-33%; Frequent : 34-66%; Continuous : 67-100% Domestic Travel Occasional International Travel Never Performing sedentary work Continuous Performing multiple tasks Continuous Operating standard office equipment - Continuous Responding quickly to sounds Occasional Sitting Continuous Standing Occasional Walking Occasional Moving safely in confined spaces Occasional Lifting / Carrying (under 25 lbs.) Occasional Lifting / Carrying (over 25 lbs.) Never Squatting Occasional Bending Occasional Kneeling Never Crawling Never Climbing Never Reaching overhead Never Reaching forward Occasional Pushing Never Pulling Never Twisting Never Concentrating for long periods of time Continuous Applying common sense to deal with problems involving standardized situations Continuous Reading, writing and comprehending instructions Continuous Adding, subtracting, multiplying and dividing Continuous

The 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 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. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance