JOB DESCRIPTION:

The KYC Analyst III provides a range of analytical, research and assessment support to the development of and enhancements to, the enterprise’s KYC programs and processes. This role may interact with key stakeholders and third-party service providers to deliver KYC programs that satisfy regulatory requirements.
This role focuses on complex customers or high visibility cases, is expected to provide a modicum of subject matter expertise. This role performs quality control on the work product as needed and outreach support will have to spend more of their time focused on outreach to Customers for missing documentation.

EDUCATION & EXPERIENCE:

• Undergraduate Degree or equivalent professional work experience
• 2+ direct experience in financial services or similar industries including fraud, know your customer, anti-money laundering, sanctions screening, or similar roles for new joiners. (or)
• 6+ years’ experience in an unrelated role involving information fluency, investigation, research, or financial services broadly but not specifically KYC or AML. (or)
• Or for an internal candidate proven track record of excellence through metrics or manager discretion

CUSTOMER ACCOUNTABILITIES:

• Maintains KYC files, data, and documents in a manner consistent with the KYC Policies and Standards in line with Service Level Agreements
• Performs reviews of customers as appropriate throughout the customer’s lifecycle with TD
• Ensures that such records, data, and reviews are prepared for review by auditors and regulators
• Provides KYC research, evaluation, operational, reporting and/or analytical support in operational processes, in a timely manner
• Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders as required
• Immediately escalates any potential issues or concerns to management for further action to
• Analyzes data and draw conclusions to meet program health reporting requirements
• Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify KYC Ops- related gaps, issues and enhancements
• Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate
• Coordinates tracking and reporting of KYC Ops function initiatives and programs on timely matter as required
• Assists in reviewing and updating higher risk customer information

SHAREHOLDER ACCOUNTABILITIES:

• Prioritizes and manages own workload to meet KYC Ops requirements for service and productivity and within TD’s risk appetite
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary
• Maintains a culture of risk management and control, supported by effective processes in alignment with the bank’s risk appetite
• Adheres to internal policies/procedures and applicable regulatory guidelines
• Coordinates with other FCRM partners and compliance partners to ensure consistence in the application of AML

EMPLOYEE/TEAM ACCOUNTABILITIES:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
• Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools, and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
• Contributes to a fair, positive, and equitable environment that supports a diverse workforce
• Acts as a brand champion for your function and the bank, both internally and/or externally
• Grows knowledge of the business, related tools and techniques

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.

Please refer the Job description for details