Senior Financial Crime Risk Analyst

3 weeks ago

Portland, United States TD Bank, N.A. Full time

Description

:

The Senior Financial Crime Risk Analyst role contributes to the development and maintenance of 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.

Department Overview:

Financial Crime Risk Management (FCRM) Business Oversight partners with the business lines to design and implement risk frameworks within TD's risk appetite. The group analyzes and recommends actions related to client, product, geographic, and business line risk. FCRM Business Oversight is comprised of oversight divisions for Commercial, Cards, Retail, Digital, and New Business Initiatives & Emerging Risks.

The FCRM New Business Initiatives & Emerging Risks team leads the U.S. FCRM new business and product assessment program and coordinates with AML subject matter experts, control groups, and business groups to facilitate effective challenge. The team also performs targeted risk reviews of new or expanded products/services, manages remediation of regulatory and internal audit issues, and maintains standards and procedures related to FCRM risk assessment and approval.

The Senior Financial Crime Risk Analyst – New Business Initiatives and Emerging Risks will support FCRM oversight of new business initiatives, emerging risks, and related projects. Responsibilities may include:

Intake and initial financial crime risk assessment of new or changing initiatives. Tracking FCRM review of initiatives through SharePoint and maintaining SharePoint site. Developing technical and/or automated solutions for oversight of initiatives including tracking, reviewing, and communications. Ensuring appropriate documentation for initiatives and communications. Accurate reporting on status of initiatives to various audiences including senior management. Ensuring compliance with standards and procedures. Supporting ongoing remediation efforts and other ad hoc projects as required.

Depth & Scope:

Works independently as the senior analyst / subject matter expert and may coach and educate others Oversees and/or independently performs tasks from end-to-end Applies expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance Executes on more complex and/or non-standard requests Researches and investigates a range of operational / reporting / process issues Recommends and implements solutions within own area of responsibility May need to coordinate / integrate work with other areas as needed Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise Requires advanced technical / business / function knowledge for discipline supported High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus Represents the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization

Education & Experience:

Undergraduate Degree 5+ years of work experience 

Preferred Skills:

Experience in financial crime risk management or a related field, particularly related to new business products and services. Knowledge of AML typologies and AML regulations, including BSA, USA PATRIOT Act, and OFAC requirements. Strong organizational skills and attention to detail. Proficiency with SharePoint and other AML software and tools for data analysis. Technical writing skills a plus. Experience with SQL, Python, or other programming languages a plus

Customer Accountabilities:

Contributes to the development of team procedures and governance processes and advises FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization. Works with FCRM 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 FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholders Provides governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees) Assists FCRM team members in the use of Issues and Events system for tracking and reporting Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program Delivers relevant subject matter expertise and FCRM advice to business / FCRM 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 FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment Contributes to the development of processes, procedures and guidance relevant to own specific FCRM function of expertise

Shareholder Accountabilities:

Prioritizes and manages own workload to meet SLA requirements for service and productivity Provides high quality service and advice to key business (FCRM) 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 FCRM advice to business (FCRM) partners Participates as assigned in new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projects Participates in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices Coordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts 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/FCRM compliance Contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations

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 ensures timely communication of issues / points of interest Shares industry knowledge for own area of expertise and participates in knowledge transfer within the team and function 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, providing 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

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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