Financial Crime Risk Investigator II (2006)

at  TD Bank

JOB DESCRIPTION:

Job Profile Summary
The High Risk Customer Program consists of dedicated and specialized teams with AML subject matter experts with accountabilities to conduct the enhance due diligence of high risk customers. Within the High Risk Customer Program resides a team that focuses on conducting enhanced due diligence on high risk customers, and other specialized types of high risk customers.
The AML Financial Crime Risk Investigator II (Enhanced Due Diligence, High Risk Customer Program) reports to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program).

The AML Financial Crime Risk Investigator II (EDD, High Risk Customer Program) is responsible for;

• Conducting end to end moderate complexity EDD reviews/AML investigations specifically relating to high risk customers and other referrals.
• Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• Provide support to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program) where needed.
• May provide QA/review and mentorship of a team.
• The AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program) conducts end to end EDD reviews/AML Investigations on complex cases, and assists with the oversight of the High Risk Customer Program in Canada while partnering with internal and external stakeholders including, vendor engagements, advisory teams, working with other people managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Bank’s systems of internal controls.

CUSTOMER

• Conduct initial and periodic enhanced due diligence reviews of high risk customers and investigations in addition to investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations including the determination of unusual and/or suspicious activities for regulatory reporting in a timely manner, as well as risk mitigation such as demarketing of relationships and accounts.
• Conduct data analysis, manipulation and interpretation looking for patterns and anomalies
• Initiate investigations and/or responds to emerging AML and Sanctions/ABAC risks.
• Assist with reviewing and investigating court orders (subpoenas) related to criminal actions.
• Prepare and deliver AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned
• Ensure regulatory reporting is conducted promptly and/or without delay while adhering to regulatory requirements and internal controls.

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or relevant professional certifications, designations, or equivalent required
• 3+ years relevant experience
• Strong knowledge of Canadian AML legislation, requirements and guidance including by not limiting to Financial Transactions Report Analysis Centre of Canada (FINTRAC), Officer of the Superintendent of Financial Institutions (OSFI), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), and the Criminal Code of Canada
• Knowledge and experience with investigating complex and sensitive ML/TF and sanctions investigations
• Knowledge and experience with KYC requirements, EDD and High Risk Customer Program
• Knowledge and experience interacting with law enforcement, corporate security, and other investigative groups
• Knowledge of investigative techniques and tools including data analytics, link analysis, forensic analysis among others
• Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions
• Excellent oral and written communication skills
• Coaching and counseling skills
• Ability to delegate work to others, work well independently and ability to collaborate and build positive relationship
• Strong decision-making, critical thinking, follow-through ability, analytical skills
• Ability to respond to shifting priorities quickly and managing competing priorities
• Proficiency in using computer applications including MS Office
• Ability to exercise sound judgement in making decisions

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.

• Conducting end to end moderate complexity EDD reviews/AML investigations specifically relating to high risk customers and other referrals.
• Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• Provide support to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program) where needed.
• May provide QA/review and mentorship of a team.
• The AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program) conducts end to end EDD reviews/AML Investigations on complex cases, and assists with the oversight of the High Risk Customer Program in Canada while partnering with internal and external stakeholders including, vendor engagements, advisory teams, working with other people managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Bank’s systems of internal controls