Lead AML Financial Crime Risk Investigator in Toronto, Ontario

Work Location:

Canada

Hours:

37.5

Line of Business:

Financial Crime Risk Management

Pay Details:

We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

As a sole contributor, senior investigators in the Financial Intelligence Unit’s High Risk Investigations team undertake the complex financial crime investigations which may involve multi disciplinary teams across TD, including legal, business, HR, analytics. and other specialized investigations teams. Lead investigators may work on pseudo or task force like teams with multiple investigators contributing to multiple outcomes. They ensure that all regulatory filing is undertaken where appropriate under AML regulations, and act as Subject Matter Experts in providing recommendations for risk mitigation or control enhancements. They present their findings in written and verbal briefings, and well articulated regulatory reports and record keeping.

Key Accountabilitie s:

• Work closely with multi disciplinary SME’s to ensure a robust and thorough investigation is undertaken, to fully assess and mitigate financial crime risks of the highest complexity.

• Ensure fulsome research and documentation is stored and clearly articulated in reports, and that senior management is appropriate briefed and updated related to the materiality of complex cases.

• Leverage AML knowledge, training and sound judgement to assess and mitigate risk

• Recommend where appropriate mitigating action to protect the bank and its customers.

• Complete briefing material covering case prioritization, timeliness and planning on an ongoing basis.

• Highlight gaps, trends and recommend improvements toward TD’s continued efforts to mitigate financial crime risk.

Depth & Scope:

• Works as part of a dynamic team dealing with fast paced, high volume and time sensitive deliverables of the highest complexity.

• Provide mentorship to team members, and sharing knowledge across the team on lessons learned through various casework

• Engage with stakeholders at all levels to ensure a comprehensive response to the risks presented by the casework.

Department :

This role is part of TD’s Global Anti Money Laundering (GAML) team in the Financial Intelligence Unit High risk Investigations team. The broader team undertakes high risk investigations to detect, report and mitigate financial crime, as well as to proactively adapt to emerging financial crime risks in TD’s efforts to protect the bank and its customers from financial crime, as well as in its role contributing to the broader AML efforts externally in collaboration with the industry and with regulators.

CUSTOMER

• Lead variety of complex investigations, including AML, Sanctions/ABAC 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 investigate assigned cases ensuring proper protocols are in place and effectively applied

• Work effectively with counterparts at other FI’s, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure

• Conduct investigations 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. This may include working with law enforcement and others in the judicial system

• Maintain and establish working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes

• Apply sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative 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

• Support the annual planning cycle; confirm quarterly forecast amounts (invoices and estimates) for quarterly budget lockdown

• 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:

• Investigates 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

• 7+ years relevant experience

• Demonstrated experience in complex investigations, banking, or other financial crime roles, including transactional analysis and interviewing

• People and stakeholder management experience, including executive engagement.

• Experience interviewing

• Experience writing and presenting complex materials to senior and / or government readership.

Preferred Qualifications:

• Strong knowledge of banking and AML regulations.

• Financial crime designation or proven experience in financial crime risk management

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 the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

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 (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td)

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.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

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:

N/A.

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.