AML FCRO Analyst Intern / Co-op (Winter 2025)

at  TD Bank

JOB DESCRIPTION

The AML Financial Crime Risk Oversight (AML FCRO) team is looking for someone who is interested in a “big picture”, cross-functional governance and monitoring role. The AML Advisory Analyst will support the development and maintenance of a 2nd Line oversight program for the implementation of AML/ATF and sanctions controls in the business lines supported by the AML FCRO team. The AML Advisory Analyst will execute controls testing procedures, on behalf of the Head of AML, AML FCRO, work with business-facing Relationship Advisors on the AML FCRO team to assess the effectiveness of AML/ATF and sanctions controls and identify potential areas of improvement for the first line AML/ATF/Sanctions program.

Other key responsibilities include:

• Work with members of the AML FCRO team to ensure key AML/ATF and sanctions controls are designed and operating effectively on an on-going basis.
• Evaluations of controls deficiencies and non-compliance to identify root cause to facilitate the development of effective action plans.
• Develop strong relationships and work collaboratively with business partners who are responsible for providing the information that feeds into the monitoring program
• Effectively identify emerging risks through advanced analysis of high-volume and complex data that require further consideration or escalation
• Contributes to the reporting of program results, trends, themes, and emerging risks, as delivered by the Head of AML – AML FCRO
• Collaborates with other members of the AML FCRO team to foster a “culture of compliance” within the business units.

JOB REQUIREMENTS

• A curious and inquisitive mindset, with a proven ability to work effectively in a cross-functional, fast-paced, and evolving environment.
• Perform data manipulation and apply analytic techniques to derive insights from complex data into reports and presentations for dissemination to an executive audience
• Ability to corroborate structured and non-structured data to tell a coherent and insightful story.
• Ability to grasp new concepts/information to facilitate effective risks identification and controls evaluation.
• Excellent business acumen and good understanding of risk and controls evaluation processes such as those for financial reporting or operations.
• Strong critical thinking, organizational and problem-solving skills
• Superior writing skills with the ability to draft superior quality assessments/reports, policies, procedures, and business correspondence
• Proactive and motivated, with demonstrated consensus building skills
• Currently enrolled in an undergraduate degree in Finance, Accounting, Analytics, Data, Business/Commerce, or related field; with the intent of going back to school at the start of your work term

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 Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features:

• Leadership talks with key Leaders from across the organization
• Lunch and Learns on topics such as Innovation
• Diversity and Inclusion and Personal Branding and so much mor

Other key responsibilities include:

• Work with members of the AML FCRO team to ensure key AML/ATF and sanctions controls are designed and operating effectively on an on-going basis.
• Evaluations of controls deficiencies and non-compliance to identify root cause to facilitate the development of effective action plans.
• Develop strong relationships and work collaboratively with business partners who are responsible for providing the information that feeds into the monitoring program
• Effectively identify emerging risks through advanced analysis of high-volume and complex data that require further consideration or escalation
• Contributes to the reporting of program results, trends, themes, and emerging risks, as delivered by the Head of AML – AML FCRO
• Collaborates with other members of the AML FCRO team to foster a “culture of compliance” within the business units