Specialist, KYC Policy

1 day ago

New York, United States TD Bank, N.A. Full time

Description

:

The AML Financial Crime Risk Specialist role develops and maintains TD’s AML/ATF/Sanctions/ABAC programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting and/or escalation of issues. This role conducts periodic and event driven reviews of customers, including targeted reviews to assess risks. Additionally, this role supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc.

The primarily responsibility of the KYC Policy Team is to set the requirements for the US KYC Program and develop and maintain the governing policies and standards for compliance with US regulations. The team provides ongoing advisement around KYC requirements and works with cross-functional units (Compliance, Technology, Business, Audit) to support and help execute KYC-related projects. Individuals within this team will be called upon to participate in discussions to shape the most efficient processes for the Program based on regulatory requirements. The team is also responsible for establishing the governance, reporting, and monitoring routines necessary to adequately oversee the firm's ongoing adherence to KYC Policy. 

Depth & Scope:

Highly seasoned professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas Integrates knowledge of the sub-functions overarching strategy in developing solutions across multiple functions or operations Interprets internal / external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services Acts as a technical expert / lead integrating cross-function understanding within their own field of specialty Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity Independently manages end-to-end functional programs Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions Uses sophisticated analytical thought to exercise judgement and identify solutions Impacts the achievement of sub-function or business line objectives within the area they are accountable for Work is guided by policies and industry standards/methods Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders Works autonomously as the lead and guides others within area of expertise

Education & Experience:

Undergraduate Degree or equivalent professional work experience 7+ years of experience

Customer Accountabilities:

Leads the development of team procedures and governance processes and advises GAML stakeholders and teams of changes and enhancements to enterprise AML programs and requirements and where they may impact in the organization. Works with GAML partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups Conducts research, assesses AML risks and controls, and otherwise contributes to a specialized team of AML compliance professionals, interacting with key stakeholders Provides governance oversight through management of the policy and training exemption governance and reporting processes to the GAML Senior Executive Team (and related AML Sub-Committees) Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the AML program Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required Delivers relevant subject matter expertise and AML advice to business / GAML partners Interacts with control functions within the organization Develops and delivers training programs for applicable employees across the Bank Conducts meaningful research, analysis, and assessment of AML program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise AML programs Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment Leads development of processes, procedures and guidance relevant to own specific GAML function of expertise

Shareholder Accountabilities:

Provides high quality service and advice to key business (GAML) partners and monitors progress of initiatives, action plans, or similar activities Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues Delivers relevant subject matter expertise and AML advice to business (GAML) partners Leads new or revised product initiatives, advises businesses on AML compliance requirements and ensures that those requirements are properly written into requirements for business projects Participates in GAML level projects as needed, to facilitate and oversee changes to AML processes, systems, or practices Coordinates with other AML partners and business compliance partners to ensure consistency in the application of AML programs and standards across the enterprise Ensures relevant AML programs align with TD corporate philosophy and strategic direction Monitors AML industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations Complies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/AML compliance

Employee/Team Accountabilities:

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues / points of interest Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit Shares knowledge of the business, related tools and techniques Leads or 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 assisting others in the completion and performance of work activities, provides 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 the function and the bank, both internally and/or externally #LI-AMCBCorporate

Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. 

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package


Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. 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.

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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