Senior AML Financial Crime Risk Investigator (TD Securities, Enhanced Due D

at  TD Bank

JOB DESCRIPTION

The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) reports to the Group Manager AML Financial Crime Investigations (TD Securities Enhanced Due Diligence, High Risk Customer Program)

The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) is responsible for:

• Conducting end to end AML investigations of initial and periodic enhanced due diligence investigations specifically relating to Correspondent Banking products and capital markets offerings as well as other referrals. Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) conducts end to end AML Investigations of initial and periodic review enhanced due diligence and investigations conducted for high risk customers of TD Securities while partnering with internal and external stakeholders including sanctions, Global Transaction Banking, capital markets and compliance stakeholders as well as 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.
• The Senior AML Financial Crime Risk Investigator (TD Securities Enhance Due Diligence, High Risk Customer Program) assists with the oversight of the Correspondent banking and capital markets alerts while partnering with internal and external stakeholders including Global Transaction Banking and regional capital markets stakeholders, working with other group 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.

The role requires extensive knowledge of a range of products, services and customer types including, but not limited to, Wholesale Banking, Capital Markets, Corporate Cash Management, Correspondent Banking, Trade Finance, Foreign Exchange, Derivatives, FX Options and a deep understanding of the anti-money laundering/anti-terrorist financing regulatory regime governing this sector. The role also helps to support compliance in these areas and other legislations in each jurisdiction where TD operates.

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or equivalent work experience.
• 5+ years relevant experience in AML, Wealth Surveillance or Compliance functions.
• Canadian Securities Institute Designations: PDO, DFC, OLC, OPSC would be an asset.
• Capital Market Surveillance experience an asset.
• Proficient knowledge of Wholesale Banking and Capital Market products and services, systems, standards, procedures, laws, rules and regulations.
• Certified Anti-Money Laundering Specialist (CAMS)/Certified Financial Crime Specialist (CFCS) certifications an asset.
• 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, BSA and US Patriot Act requirements, FinCEN (Finance Crimes Enforcement Network) requirements, Monetary Authority of Singapore (MAS) requirements, as well as FCA (Financial Conduct Agency) of the United Kingdom requirements.
• Strong knowledge of quality control testing and audit.
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions cases including reasonable ground to suspect (RGS).
• Strong knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
• Excellent oral and written communication skills.
• Ability to delegate work to others, work well independently and ability to collaborate and build positive relationships.
• 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 AML investigations of initial and periodic enhanced due diligence investigations specifically relating to Correspondent Banking products and capital markets offerings as well as other referrals. Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) conducts end to end AML Investigations of initial and periodic review enhanced due diligence and investigations conducted for high risk customers of TD Securities while partnering with internal and external stakeholders including sanctions, Global Transaction Banking, capital markets and compliance stakeholders as well as 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.
• The Senior AML Financial Crime Risk Investigator (TD Securities Enhance Due Diligence, High Risk Customer Program) assists with the oversight of the Correspondent banking and capital markets alerts while partnering with internal and external stakeholders including Global Transaction Banking and regional capital markets stakeholders, working with other group 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