FCRM KYC High Risk Reviews Analyst

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$28.25 - $45.00 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 Financial Crime Risk Oversight Analyst II 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.  Contribute 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:

• Experienced working professional providing specialized AML/ATF/Sanctions/ABAC guidance/assistance, reporting and operational support to function/business supported as well as to the AML/ATF/Sanctions/ABAC team
• Requires advanced understanding of a range of product and services, processes, procedures, systems, and concepts within their own area of specialty and integration points with related areas
• Executes independent monitoring of first line AML/ATF/Sanctions/ABAC controls for assigned businesses/portfolio
• Manages ambiguity, and applies judgement to identify, troubleshoot and resolve ongoing business and operational issues
• Contact for business management, external/internal auditors, dealing with non-routine information
• Provides day to day interaction and support to their manager
• Identifies and leads problem resolution

Education & Experience:

• Undergraduate Degree                                                                                                   3+ years of work experience 

Preferred Qualifications:

• ACAMS preferred
• 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 appropriate AML/ATF/Sanctions/ABAC policies, processes, and controls
• Supports the facilitation of periodic AML/ATF/Sanctions/ABAC risk and self-assessment activities for designated business using TD’s enterprise AML/ATF/Sanctions/ABAC risk