Lead Financial Crime Risk Investigator (5241)

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Financial Crime Risk Management

Pay Details:

$96,900 - $136,800 CAD

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.

Job Description:

This role supports the activities of the Customer Exits & Watchlist Oversight (CEWO) Team and plays a critical part in safeguarding the Bank by analyzing customer information, assessing relevant risk indicators, performing data analysis, and decisioning customer exit recommendations.

The role requires the use of a case management system, analytical tools, and other supporting systems to conduct reviews, document decisions, maintain accurate records, and support end-to-end Customer Exit and Watchlist Oversight activities.

Additionally, the role requires the ability to maintain a high degree of accuracy, confidentiality, and professionalism while handling sensitive customer information and supporting critical risk management activities.

Job Profile Summary

The Lead Financial Crime Risk Investigator role within the Customer Exits & Watch List Oversight Request to Close (RTC) Review Team will be accountable primarily for:

• Conducting adjudications and/or analysis and risk assessment of RTC submissions by FCRM investigators and HRC EDD analysts.
• Provide analysis and/or data to support decision making process
• Working with various LOB to ensure proper decisioning    

Job Description

CUSTOMER

• Review a variety of RTC submissions related to AML, Regulatory and  Financial Crime
• Apply sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats
• Assess and prioritize files and review assigned cases ensuring proper protocols are in place and effectively applied
• Conduct reviews in a professional and timely manner
• Identify and communicate procedural weaknesses to businesses and ensure processes for remediation are in place such as following up for corrective action where applicable
• Identify industry and typologies risk and trends for respective program areas and share knowledge with appropriate stakeholders.
• Maintain and establish working relationships with internal partners (e.g., HR,  Legal, Business Oversight, etc.,) for review/investigative purposes
• Apply sound methodologies to collect, preserve, and analyze evidence in accordance with review/decisioning mandate.

SHAREHOLDER

• Evaluate the effectiveness of processes/services and recommend/champion possible enhancements; may create new processes
• Establish escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders
• Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs
• Conduct internal and external research projects; support the development/ delivery of presentations / communications; may deliver presentations to management
• Ensure a high level of service by setting clear service standards and measuring effectiveness
• Adhere to enterprise frameworks or methodologies that relate to activities for respective business area(s)
• Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
• Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues
• Run analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

EMPLOYEE / TEAM

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
• Provide thought leadership and/or industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
• Lead or participate in personal performance management and development activities, including cross training within own team
• Keep 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
• Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
• Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

• Reviews AML/ATF and financial crime and/or criminal cases thematic and/or complex in nature
• Advanced knowledge of Bank products, systems, policies and procedures
• Advanced knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends
• Manages programs/projects/ initiatives of moderate scope and complexity
• Expert level professional role requiring in-depth knowledge/ expertise in own field of specialty and working knowledge of broader related areas
• Integrates the broader organizational context into advice and solutions within own area. Understands the industry, competition and the factors that differentiate the organization
• Generally, reports to a Senior Manager

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or relevant professional certifications, designations, or equivalent (asset)  
• 7+ years relevant experience (AML investigator or manager) 
• Working knowledge of Canadian AML legislation, requirements and guidance including but not restricted to Financial Transactions Reports Analysis Centre of Canada (FINTRAC), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and Production Orders
• Significant knowledge of AML/ATF Red flags, trends and typologies including FINTRAC PPPs   
• Strong oral and written communication skills 
• Ability to work well independently and ability to collaborate and build positive relationships. 
• Strong decision-making, critical thinking, follow through ability, analytics skills, 
• Ability to respond to shifting priorities quickly and managing competing priorities. 

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 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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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.

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 & 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
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet