Financial Crimes High Risk Reviews Analyst

Work Location:
Charlotte, North Carolina, United States of America

Hours:
40

Pay Details:
$29.75 - $47.75 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 Business 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.

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

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

• Undergraduate degree or equivalent work experience
• 3+ years experience
• ACAMS certification
• Strong knowledge of AML KYC and Enhanced Due Diligence (EDD) processes and regulations
• Strong written and verbal communication skills

• 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 assessment framework
• Ensures that assessments (monitoring, risk assessment etc.) are completed and communicated in a dynamic and timely fashion
• Handles matters escalated for the identification of suspicious activity, or identified through the Enhanced Due Diligence process in accordance with established processes and protocols, and assists in ensuring that the business takes appropriate steps to address those activities and customers
• Works collaboratively with business and control partners within the organization
• Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products
• Proactively identifies matters which require additional attention and presents objective and independent opinion on the adequacy of AML/ATF/Sanctions/ABAC processes and controls and opportunities to enhance those controls
• Presents objective and independent opinions on the adequacy of AML/ATF/Sanctions/ABAC processes and controls in accordance with regulatory and internal requirements, and liaises with the appropriate FCRM and business partners to resolve

• Reviews and provides feedback on business line policies and procedures
• Analyzes AML/ATF/Sanctions/ABAC compliance requirements and ensures they are properly written into requirements for business projects and approved at the appropriate levels
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Analyzes risk exposure characteristics for assigned portfolio in accordance with established processes or procedures, making recommendations for enhancements or changes based on changes in the regulatory environment or business processes
• Works with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations
• Keeps current on emerging issues, trends, and evolving regulatory requirements in the AML/ATF/Sanctions/ABAC industry and assesses potential impacts
• Coordinates with other AML/ATF/Sanctions/ABAC partners and business compliance partners to ensure consistency in the application of AML/ATF/Sanctions/ABAC programs and standards across the enterprise
• Protects the interests of the organization - identifies and manages risks, and ensures the prompt analysis and escalation of non-standard, high-risk issues, monitoring to thorough resolution
• Acquires and applies expertise in the AML/ATF/Sanctions/ABAC disciplines, providing basic guidance and direction to business and other FCRM partners

• 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 participate 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

• Domestic Travel - Occasional
• International Travel - Never
• Performing sedentary work - Continuous
• Performing multiple tasks - Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds - Occasional
• Sitting - Continuous
• Standing - Occasional
• Walking - Occasional
• Moving safely in confined spaces - Occasional
• Lifting/Carrying (under 25 lbs.) - Occasional
• Lifting/Carrying (over 25 lbs.) - Never
• Squatting - Occasional
• Bending - Occasional
• Kneeling - Never
• Crawling - Never
• Climbing - Never
• Reaching overhead - Never
• Reaching forward - Occasional
• Pushing - Never
• Pulling - Never
• Twisting - Never
• Concentrating for long periods of time - Continuous
• Applying common sense to deal with problems involving standardized situations - Continuous
• Reading, writing and comprehending instructions - Continuous
• Adding, subtracting, multiplying and dividing - Continuous