Senior FCRM High Risk Reviews Analyst

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$33.00 - $58.50 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. 

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Financial Crime Risk Management

Job Description:

The Senior Financial Crime Risk Oversight Analyst provides a range of research, guidance, and business oversight to assigned portfolio, business, or function to ensure that strong AML/ATF/Sanctions/ABAC controls and processes are in effect to mitigate inherent associated risks.  Contributes to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs related to all aspects of AML and ATF laws.

The Financial Crimes Risk Management (FCRM) Know Your Customer (KYC) Program Team is responsible for the establishment and ongoing oversight of an effective KYC Program for TD Bank US Holdings. The KYC Program Team is tasked with setting consistent requirements for the bank to reasonably 'know its customers' and evaluate the risks associated with a customer relationship throughout the customer lifecycle.

The primary responsibility of the KYC High Risk Reviews team is to execute enhanced due diligence (EDD) reviews for high-risk customers at the bank. The team is responsible for managing procedures and escalations related to high-risk customers, including analysis of customer behavior and activity of concern, in compliance with KYC policy and regulatory requirements. The team engages with the 1st line of defense on the outcomes of EDD reviews, management of issues, and guidance related to high-risk customer types and associated activity.

Depth & Scope:

• Specialist level professional role requiring in-depth knowledge/expertise in AML/ATF/Sanctions/ABAC and working knowledge of broader related areas
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas, or centers of expertise
• Provides AML/ATF/Sanctions/ABAC advice to a business as FCRM representative on a straightforward project or change initiative
• Integrates the broader organizational context into advice and solutions within the AML/ATF/Sanctions/ABAC area
• Understands the industry, competition and the factors that differentiate the organization
• Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
• Contact for business management, external/internal auditors, dealing with non-routine information
• Recommends and implements solutions within own area of responsibility
• May need to coordinate/integrate work with other areas as needed
• Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience:

• Undergraduate Degree                                                                                                   5+ years of experience

Preferred Qualifications:

• ACAMS preferred
• Strong knowledge of AML KYC and Enhanced Due Diligence (EDD) processes and regulations
• Strong written and verbal communication skills

Customer Accountabilities:

• Provides guidance on day-to-day AML/ATF/Sanctions/ABAC matters affecting the business based on regulatory compliance requirements and industry best practice, including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing
• Provides/Executes skilled AML/ATF/Sanctions/ABAC research, risk assessment, reporting and/or analytical support in a timely manner
• Assists/Partners in the development and implementation of approp