Financial Crime Risk Lead Investigator

2 weeks ago

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

Description

:

The Financial Crime Risk Lead Investigator leads thematic (i.e., regulatory/public private partnerships) investigative projects, complex and sensitive investigations through analysis of evidence gathered for both internal and external investigations. This includes reporting, mitigating, and disrupting financial crime for AML, ATF, Sanctions and ABAC. Provides investigative, developmental and quality assurance support to the Senior Manager and their team, focused on the investigative output of the teams.

FCRM Investigations is responsible for investigations of complex anti-money laundering, counter-terrorism finance, and insider risk matters resulting from law enforcement referrals, proactive initiatives, 314a/314b, and internal referrals.

The Lead Financial Crimes Investigator (Intelligence & Emerging Risk) is responsible for overseeing complex financial crime investigations, including money laundering, terrorist financing, and other financial crimes. This role requires extensive knowledge of AML laws and regulations, the ability to analyze large and complex data sets to proactively identify leads, strong leadership skills, and the ability to work effectively with various stakeholders.

The Lead Financial Crimes Investigator leads and manages complex financial crime investigations; develops, implements, and maintains AML policies, procedures, and controls to mitigate financial crime risks; ensures compliance with all relevant AML regulations, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, and OFAC requirements; identifies and develops strategies to address and mitigate financial crime risks; prepares and presents detailed reports on investigative findings to executive management and regulatory authorities; and provides training, mentoring, and guidance to investigators and analysts on AML regulations, trends and typologies, and best practices.

Depth & Scope:

Investigates AML/ATF and financial crime and/or criminal cases thematic and/or complex in nature Advanced knowledge of Bank products, systems, policies and procedures Advanced knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends Manages programs/projects/ initiatives of moderate scope and complexity Expert level professional role requiring in-depth knowledge/ expertise in own field of specialty and working knowledge of broader related areas Integrates the broader organizational context into advice and solutions within own area. Understands the industry, competition and the factors that differentiate the organization

Education & Experience:

Undergraduate degree or equivalent work experience 7+ years of experience

Preferred Qualifications:

Bachelor's degree in Finance, Accounting, Criminal Justice, or a related field, preferred 7+ years of experience in AML investigations, financial crime risk management, or a related field Excellent analytical and problem-solving skills, with the ability to interpret complex data and identify patterns Strong knowledge of financial crime typologies and AML regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements Ability to work independently and as part of a team, with a high level of integrity and attention to detail Excellent written and verbal communication skills, with the ability to present findings clearly and concisely. Proficiency in using AML software and tools for data analysis and case management Relevant certifications (e.g., CAMS, CFE).

Customer Accountabilities:

Leads a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime Applies sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats Assesses and prioritizes files and investigates assigned cases ensuring proper protocols are in place and effectively applied Works effectively with counterparts at other FI’s, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure Conducts investigations in a professional and timely manner Identifies and communicates procedural weaknesses to businesses and ensures processes for remediation are in place such as following up for corrective action where applicable Identifies industry and typologies risk and trends for respective program areas and shares knowledge with appropriate stakeholders. This may include working with law enforcement and others in the judicial system Maintains and establishes working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes Applies sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate

Shareholder Accountabilities:

Evaluates the effectiveness of processes/services and recommends/champions possible enhancements; may create new processes Establishes escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders Plans and delivers efficient and cost-effective processes that support and promote the implementation of programs Conducts internal and external research projects; supports the development/delivery of presentations/communications; may deliver presentations to management Ensures a high level of service by setting clear service standards and measuring effectiveness Supports the annual planning cycle; confirms quarterly forecast amounts (invoices and estimates) for quarterly budget lockdown Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s) Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate Protect the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues Runs analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices 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

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 Provides thought leadership and/ or industry knowledge for own area of expertise 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 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 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

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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