Financial Crime Risk Investigator II - TDS Correspondent Banking (US)

Financial Crime Risk Investigator II

As a Financial Crime Risk Investigator II, you will conduct investigations of moderate complexity for both internal and external cases regarding money laundering and terrorist financing for our correspondent banking clients. You will make recommendations for demarketing and / or freezing accounts by the appropriate investigative unit. You will also conduct adjudications of moderate complexity and provide occasional quality assurance review / mentorship of a team.

Our team currently operates under a primarily offsite working model, employees must be available to come into a TD location for "moments that matter" at a frequency determined by the business. Candidates that live within a 50-mile radius of a TD AML Hub location is strongly preferred.

TD Bank, America's Most Convenient Bank base salary ranges are comprised of two pay zones. These zones consider the differences in job levels in the various locations where TD Bank does business.

Zone 2 : Jacksonville, FL; Mount Laurel, NJ; Wilmington, DE; Greenville, SC; Charlotte, NC; Fort Lauderdale, FL; Lewiston, ME; Portland, ME) $28.25 $42.50 / hour

Zone 3 : New York, NY; Boston, MA; Vienna, VA $30.00 $45.00 / hour

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 & Experience : At least 2-3+ years of correspondent banking experience, with demonstrated understanding of nested relationships, payment flows, and associated AML risk. Prior experience conducting global or complex financial crime investigations, including cross-border activity and multi-jurisdictional analysis. Strong knowledge of investigations involving wire transfers, remittances, or other electronic money movement, particularly through high-risk locations. Working knowledge of SWIFT payment messaging systems, including ability to interpret it for tracing and risk analysis. Familiarity with AML typologies and red flags associated with correspondent banking such as layering, structuring, sanctions evasions, or shell company misuse.

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. Adheres to internal policies / procedures and applicable regulatory guidelines. Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts. Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.

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. Supports the team by continuously enhancing knowledge / expertise in own area and participates in knowledge transfer within the team and business unit. Keeps current on emerging trends / developments and grows knowledge of the business, related tools and techniques. 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 willingly assisting others in the completion and performance of work activities; provides training, 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 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.