AML Advisor

at  TD Bank

$86,840 - $139,369 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate’s skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.
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:
Lutte blanchiment d’argent
Job Description:
The AML Advisor provides expert/specialize advice to portfolios, businesses and functions on development and maintenance of all aspects of AML/ATF compliance programs in line with the Bank’s risk philosophy and strategic direction.

Depth & Scope:

• Senior specialist with AML/Sanctions/ABAC expertise, works independently and is accountable for managing a specialized AML function or area
• Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates
• Provides AML/Sanctions/ABAC advice to a business as GAML representative on a complex project or change initiative.
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise
• Provides guidance and support to analysts on matters related to portfolio and speciality
• Expert knowledge of the business and operational functions supported
• Typically a subject matter expert for a key functional AML area and business requirements
• Contacts for business management, external/internal auditors, dealing with non-routine information
• Manages / assists with regulatory reviews including inquiries, audits, and exams
• Deep knowledge and understanding of businesses / technology, and organizational practices/ disciplines
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree preferred or equivalent work experience
• 7+ years relevant experience
• Advanced knowledge of anti-money laundering disciplines, strategy development, consulting principles, lines of businesses supported, banking industry, and product/customer markets
• Knowledge of current and emerging competitor and market trends
• Knowledge of risk management environment, standards and regulations
• Ability to manage a budget and work within the constraints of that budget
• Ability to contribute to strategic direction of the function and provide advice to senior leadership
• Skill in mentoring and coaching
• Ability to lead, plan, implement and evaluate program/project activities to ensure completion of initiatives
• Ability to exercise sound judgement in making decisions
• Ability to make an impact, influence and achieve results with effective negotiation, problem-solving and communication skills
• Ability to work collaboratively and build relationships across teams and functions
• Skill in using analytical software tools, data analysis methods and reporting techniques
• Skill in using computer applications including MS Office
• Ability to analyze, organize and prioritize work while meeting multiple deadlines
• Ability to work successfully as a member of a team and independently
• Ability to handle confidential information with discretion

Customer Accountabilities:

• Provides specialized advice on AML/ATF matters (both regulatory compliance and prudential risk management) affecting the business including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing
• Proactively advises the business of new and changed AML regulatory and/or policy changes and articulate the impact to their processes and controls
• Contributes to the development and implementation of AML Compliance programs related to all aspects of AML and ATF laws
• Guides and partners with the business through the development, implementation, oversight and management of effective AML Compliance Programs
• Escalates and manages to resolution significant AML issues and events; liaises with the AML Shared Services group to coordinate the delivery of applicable AML services which cross with Deputy GAMLO accountabilities
• Represents AML on internal or external committees relating to designated business activities as required
• Delivers relevant subject matter expertise and AML/ATF advice to business management
• Maintains oversight (via review and approval) of all functions and accountabilities related to management reporting and analysis

Shareholder Accountabilities:

• Actively assists in developing and overseeing implementation of business line policies and DGAMLO Team procedures
• Acts as departmental subject matter expert for methodologies for analyzing risk exposures, and liaise with counterparts in other GAML and business teams to continue to refine and enhance the methodologies
• Ensures respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
• Partners with PT&G to develop annual awareness training
• Protects the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high risk issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
• Keeps current on emerging issues, trends, and evolving regulatory requirements to and assess potential impacts
• Handles inquiries/requests from Internal Audit and regulators
• 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, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure 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 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 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 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.
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
If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at
USWAPTDO@td.com
. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran

Please refer the Job description for details