Work Location:
New York, New York, United States of America

Hours:
40

Line of Business:
Financial Crime Risk Management

Pay Detail:
$125,000 - $175,000 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

• Design, implement, enhance and maintain the TDS U.S. FCRM program.
• Advise TDS Operations and other 1st line support functions on interpretation of and compliance with applicable financial crime laws, regulations, and guidance.
• Provide oversight of, and credible challenge to, the first line of defense.
• Provide customized training and to ensure that employees remain informed about changes in financial crime regulations and emerging money laundering typologies.
• Assess and opine on financial crime risks of new products and mandates.

• Demonstrate governance, control and risk management behaviors aligned with TD policies and practices.
• Provide advisory and oversight support to KYC activities including new account opening processes and periodic reviews via GoldTier.
• Provide advice to the business on AML requirements across customers, products and transactions.
• Conduct monitoring of AML surveillance reports.
• Provide quality evaluations and enhancements of surveillance exception reports when needed.
• Conduct investigations into potentially suspicious activity, drafting SARs as well as documenting cases that did not result in the filing of a SAR.
• Participate in the annual enterprise-wide AML/BSA/Sanctions/ABAC risk assessment process.
• Conduct targeted AML/OFAC training, as appropriate.
• Conduct periodic testing of AML functions as mandated by the Periodic AML Testing Program.
• Participate in special projects, including assisting with adherence to enterprise-wide initiatives including global policies and governance.
• Assist with regulatory and audit requests.
• Provide backup to general AML compliance functions such as surveillance reviews, section 312 reviews and TD affiliates due diligence reviews.
• Complete all tasks within required timeframes.

• Bachelor's degree required (exceptional candidates demonstrating an equivalent combination of relevant education and experience will be considered).
• 7 to 10 years of knowledge and experience in AML compliance including within the broker-dealer industry, preferably with a large financial institution.
• Excellent verbal and written communicator with detailed oriented nature.
• Strong subject matter knowledge of compliance risks and controls for a financial institution with expertise in the context of Wholesale banking; focus on Anti-Money Laundering compliance.
• Ability to identify and evaluate potential risks to the Firm and escalate accordingly.
• Strong project management and strategic thinking skills.
• Working knowledge of one or more AML or sanctions applications.
• Proficiency with Microsoft Word, Excel and PowerPoint.

• Senior specialist with AML/ATF/Sanctions/ABAC expertise, works independently and is accountable for managing a specialized AML/ATF/Sanctions/ABAC function or area
• Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates
• Provides AML/ATF/Sanctions/ABAC advice to a business as FCRM representative on a complex project or change initiative
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas, or centers of expertise
• Provides guidance and support to analysts on matters related to portfolio and speciality
• Expert knowledge of the business and operational functions supported
• Typically a subject matter expert for a key functional AML/ATF/ Sanctions/ABAC area and business requirements
• Contact for business management, external/internal auditors, dealing with non-routine information
• Manages/assists with regulatory reviews including inquiries, audits, and exams
• Deep knowledge and understanding of businesses/technology, and organizational practices/disciplines
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

• Provides expert/specialized regulatory compliance and prudential risk management guidance on AML/ATF/Sanctions/ABAC matters affecting covered TD businesses
• Proactively advises covered TD businesses of new and changed AML/ATF/Sanctions/ABAC regulatory and/or policy requirements and articulates the impact to their processes and controls
• Contributes to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs
• Guides and partners with covered TD businesses through the development, implementation, oversight, and management of effective AML/ATF/Sanctions/ABAC Compliance Programs
• Escalates and manages to resolution significant issues and events
• Represents FCRM on internal or external committees relating to designated business activities as required
• Delivers subject matter expertise and AML/ATF/Sanctions/ABAC guidance to business management, including developing and maintaining management reporting and analysis

• Actively assists in developing and overseeing implementation of business line policies and procedures
• Collaborates with subject matter experts to develop and enhance methodologies for analyzing risk exposures of covered TD businesses
• Ensures respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Supports the development of annual awareness training
• Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Keeps current on emerging issues, trends, and evolving regulatory requirements to and assesses potential impacts
• Handles inquiries/requests from Internal Audit and regulators
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

• 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
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business
• Participates in personal performance management and development activities, including cross training within own team
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive, and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally