Financial Crime Risk Senior Investigator - Intelligence & Emerging Risk Investigations (US)

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$68,640 - $112,320 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:

Department Overview:

FCRM Investigations is responsible for investigations of complex anti-money laundering, counter-terrorism finance, and insider risk matters resulting from law enforcement referrals, proactive initiatives, 314a/314b, and internal referrals.  

The Financial Crime Risk Senior Investigator conducts complex investigations into potential money laundering, terrorist financing, and other financial crimes, including insider-risk matters.  This role requires a deep understanding of AML regulations, strong writing and analytical skills, and the ability to work collaboratively with internal and external stakeholders.

Depth & Scope:

• Investigates criminal cases ranging from simple to complex in nature
• Sound knowledge of Bank products, systems, policies and procedures
• Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends
• Manages programs/projects/ initiatives of low to moderate scope and complexity
• Expert level professional role requiring in-depth knowledge/expertise in own field of specialty and working knowledge of broader related areas
• Integrates the broader organizational context into advice and solutions within own area
• Understands the industry, competition and the factors that differentiate the organization
• Impacts a range of functional programs across own and related teams
• Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels
• Builds stakeholder alignment in leading projects and activities
• Works independently as the senior technical lead and guides others within area of expertise
• Identifies and leads problem resolution for complex issues at all levels

Education & Experience:

• Undergraduate degree or equivalent work experience
• 5+ years of experience

Preferred Skills:

• Undergraduate degree in Finance, Accounting, Criminal Justice, or a related field, preferred.
• Relevant certifications (e.g., CAMS, CFE).
• Strong knowledge of financial crime typologies and AML regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements
• Experience leading or supporting investigative projects; strong project management skills a plus.
• Experience leveraging data analytics to identify trends, anomalies, or support investigative findings related to financial crimes.
• Strong analytical and problem-solving skills.
• Ability to work independently and as part of a team, with a high level of integrity and attention to detail.
• Excellent written and verbal communication skills, with the ability to present findings clearly and concisely.

Customer Accountabilities:

• Conducts a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime
• Applies sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats
• Assesses and prioritizes files and investigates assigned cases ensuring proper protocols are in place and effectively applied
• Works effectively with counterparts at other FI’s, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure
• Conducts investigations in a professional and timely manner
• Identifies