Financial Crime Risk Investigator II - OneTouch (US)
About the position 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. The Financial Crime Risk Investigator II conducts investigations of moderate complexity for both internal and external cases. Recommends for demarket and/or freezing accounts by the appropriate investigative unit. Conducts adjudications of moderate complexity. May provide QA/review and mentorship of a team. Applies reasonable grounds to suspect money laundering and terrorist financing. 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 Responsibilities • 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 • 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 analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices • Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area • Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary • Maintains appropriate project records, databases, and information; reports to management and others on project status and updates • Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist • Acquires and applies expertise in the discipline, provides guidance, assistance, and direction to Analysts, Investigators and others • Identifies, recommends, and effectively executes standard practices applicable to the discipline • Adheres to internal policies/procedures and applicable regulatory guidelines • Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts • Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite • 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 • Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit • Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques • Participates in personal performance management and development activities, including cross training within own team • Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities • Contributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate. • Contributes to a fair, positive and equitable environment that supports a diverse workforce • Acts as a brand champion for your business area/function and the bank, both internally and/or externally Requirements • Undergraduate degree or equivalent work experience • 3+ years experience Nice-to-haves • Prior AML (Anti-Money Laundering) investigations experience, within a financial institution or regulatory environment • Strong knowledge of Suspicious Activity Reports, Bank Secrecy Act, and other relevant AML regulations • Familiarity with current AML typologies and emerging financial crime trends in the banking sector • Experience working in federal law enforcement or financial crime units • Strong written and oral communication skills with an emphasis on investigative and stakeholder reporting. Benefits • Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Apply tot his job