Financial Crime Risk Investigator II - TDS Correspondent Banking (US)

Work Location:

Jacksonville, Florida, United States of America

Hours:

40

Pay Details:

$28.25 - $42.50 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:

Department Overview:

As a Financial Crime Risk Investigator II, you will conduct investigations of moderate complexity for both internal and external cases regarding money laundering and terrorist financing. You will make recommendations for demarketing and/or freezing accounts by the appropriate investigative unit. You will also conducts adjudications of moderate complexity and provide occasional quality assurance review/ mentorship of a team.  

 Our team currently operates under a primarily offsite work model, employees must be available to come into a TD location for "moments that matter" at a frequency determined by the business. Candidates that live within a 50-mile radius of a TD AML Hub location is strongly preferred.  

Depth & Scope:

• Experienced working professional role providing services, advisory or processes/program support
• Requires experienced, conceptual, and practical knowledge within respective area and knowledge of broader related areas
• Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area
• Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programs
• Works within broad guidelines/policies and independently performs tasks from end to end
• Work performed under minimal management guidance and supervision

Education & Experience:

• Undergraduate degree or equivalent work experience 
• 3+ years experience

Preferred Skills & Experience:

• At least 2-3+ years of correspondent banking experience, with demonstrated understanding of nested relationships, payment flows, and associated AML risk
• Prior experience conducting global or complex financial crime investigations, including cross-border activity and multi-jurisdictional analysis
• Strong knowledge of investigations involving wire transfers, remittances, or other electronic money movement, particularly through high-risk locations
• Working knowledge of SWIFT payment messaging systems, including ability to interpret it for tracing and risk analysis
• Familiarity with AML typologies and red flags associated with correspondent banking such as layering, structuring, sanctions evasions, or shell company misuse

Customer Accountabilities:

• Conducts investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations
• Conducts data analysis, manipulation and interpretation looking for patterns and anomalies
• Initiates investigations and/or responds to emerging AML and Sanctions/ABAC risks
• Assists with reviewing and investigating court orders (subpoenas) related to criminal actions
• Assists and coordinates investigations with various law enforcement agencies as delegated
• Prepares and delivers AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned

Shareholder Accountabilities:

• Leads workstreams by acting as a project lead for medium scale projects/initiatives in accordance with project management methodologies
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Conducts reporting and/or meaningful an