AML Financial Crime Risk Investigator I

at  TD Bank

THE TD GLOBAL AML DEPARTMENT IS ACCOUNTABLE FOR ESTABLISHING TD’S GLOBAL ANTI-MONEY LAUNDERING AND ANTI-TERRORIST FINANCING PROGRAM (AML/ATF) TO ENSURE THAT ALL TD BUSINESSES ADHERE WITH AML/ATF REGULATORY EXPECTATIONS IN ALL JURISDICTIONS WHERE TD OPERATES. THIS INCLUDES SETTING CONSISTENT STANDARDS ACROSS BUSINESS SEGMENTS THAT MAY BE FURTHER TAILORED TO SPECIFIC BUSINESS OR JURISDICTIONAL REQUIREMENTS; CONDUCTING ANNUAL ENTERPRISE-WIDE AML RISK ASSESSMENTS; MAINTAINING THE GLOBAL AML POLICY (INCLUDING KNOW YOUR CUSTOMER AND ENHANCED DUE DILIGENCE, RECORD KEEPING & RETENTION REQUIREMENTS); CURRENCY TRANSACTION AND SUSPICIOUS TRANSACTION MONITORING AND REPORTING; SCREENING TD CUSTOMERS AGAINST REGULATORY WATCH LISTS; A HIERARCHY OF DESIGNATED AML OFFICER FUNCTIONS; ENTERPRISE-WIDE AND SPECIALIZED AML TRAINING OF EMPLOYEES; AND INDEPENDENT AML TESTING. IN THE FIU, WE CONDUCT DETECTION, INVESTIGATION, AND REPORTING FOR THE MONEY LAUNDERING PROGRAM. IN ADDITION WE MAINTAIN THE HIGH RISK CLIENT PROGRAM WHERE WE NEED TO REPORT, DOCUMENT, AND EVALUATE THE HIGH RISK CUSTOMERS FOR TD BANK

• This position evaluates ML/TF risk, by conducting investigations as part of the controls of the TD’s AML program
• Performs a broad range of money laundering investigation related activities in support of Anti-Money Laundering (AML) regulations designed to report on financial-related crimes
• Evaluates potentially suspicious and/or questionable account activity. Recognizes and evaluates higher risk accounts and activity and effectively documents recommendations regarding account retention and/or regulatory reporting obligations.
• Escalates and obtains management approval as appropriate on higher risk cases per policies and procedures.
• Utilizes a variety of analytical techniques and computer systems to make informed decisions concerning customer’s relationship and risk with TD.
• Works independently with minimal supervision inside a team complete a common goal and is able to prioritize daily workload to meet department objectives.
• Adheres to team’s policy and procedures to ensure that work is properly documented.
• Performs additional duties and participates in special projects, reporting activities as required.
• 3-5+ years related experience required
• Good analytical skills and the ability to review and organize large amounts of data and/or information.
• Strong research, internet and investigative skills.
• Inquisitive nature, with ability to pursue potential investigative leads until resolved.
• Strong verbal and written communication skills, including drafting reports, policies and procedures.
• Ability to work independently, making decisions and manage deadlines while multi-tasking between different projects.
• Ability to operate in an evolving, often ambiguous, environment.
• Ability to understand and interpret financial statements and audit reports.
• Above average knowledge in a variety of PC based analytical and reporting software packages. Working knowledge of Microsoft Office (Word, Excel, PowerPoint, Access )
• Understanding Canada’s Anti-Money Laundering and Anti-Terrorist Financing Regulatory Environment; such as, Financial Transactions Reports Analysis Centre of Canada (FINTRAC), Office of the Superintendent of Financial Institutions (OSFI). Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
• Certified Anti-Money Laundering Specialist (CAMS) and Certified Financial Crime Specialist (CFCS) designation would be an asset
• Financial Crime or other relevant courses would be an asset