Senior AML Financial Crime Risk Investigator

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Détails de la rémunération :

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Description du poste:

Senior AML Financial Crime Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program)

Department Overview:

Global Anti-Money Laundering at TD

Pick up a newspaper, turn on the TV or stream a video and the topic of money crime is everywhere, because it is a threat across the world. Do you believe the best defense is a good offence? At TD, we're committed to detect and deter anyone from using TD products or services for money laundering and terrorist financing activity. Our dedication is upheld and deployed through four key team functions - Policy, Testing, Advisory and Operations - that together build our Global Anti-Money Laundering (GAML) Program and professional community. Ready to join us? We have a new opportunity to grow your career in AML (Anti-Money Laundering) Operations.

High Risk Investigations (HRI) conducts investigations of complex and sensitive cases to determine potential suspicious activities. Within the HRI team, there is a specialized unit consisting of subject matter experts and investigators with accountabilities for conducting initial and periodic Enhanced Due Diligence (EDD) reviews and investigations of TD Securities (TDS) clients' that are deemed higher risk relating to financial crime including money laundering, terrorist financing, sanctions, fraud, anti-bribery, and anti-corruption associated.

Job Description

The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) reports to the Group Manager AML Financial Crime Investigations (TD Securities Enhanced Due Diligence, High Risk Customer Program)

The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) is responsible for:

• Conducting end to end AML investigations of initial and periodic enhanced due diligence investigations specifically relating to Correspondent Banking products and capital markets offerings as well as other referrals. Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• The Senior AML Financial Crime Risk Investigator (TD Securities Enhanced Due Diligence, High Risk Customer Program) conducts end to end AML Investigations of initial and periodic review enhanced due diligence and investigations conducted for high risk customers of TD Securities while partnering with internal and external stakeholders including sanctions, Global Transaction Banking, capital markets and compliance stakeholders as well as working with other people managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Bank's systems of internal controls.
• The Senior AML Financial Crime Risk Investigator (TD Securities Enhance Due Diligence, High Risk Customer Program) assists with the oversight of the Correspondent banking and capital markets alerts while partnering with internal and external stakeholders including Global Transaction Banking and regional capital markets stakeholders, working with other group managers and investigators to ensure the controls are designed and operating effectively to mitigate the risk and compliance with regulatory requirements as well as the Bank's systems of internal controls.

The role requires extensive knowledge of a range of products, services and customer types including, but not limited to, Wholesale Banking, Capital Markets, Corporate Cash Management, Correspondent Banking, Trade Finance, Foreign Exchange, Derivatives, FX Options and a deep understanding of the anti-money laundering/anti-terrorist financing regulatory regime governing this sector. The role also helps to support compliance in these areas and other legislations in each jurisdiction where TD operates.

CUSTOMER

• Conduct a variety of initial and periodic enhanced due diligence investigations, including reviews of investigation that resulted in no Suspicious Transaction Reports (STRs) as well as investigations that resulted in STRs and other regulatory reporting and risk mitigation (e.g demarket etc).

• Assist with reviewing and investigating Production Orders and Grid alerts issued by law enforcement agencies related to criminal actions.
• Ensure the regulatory reporting is conducted in a timely manner and/or without delay while adhering to regulatory requirements and internal controls.
• Apply sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats.
• Assess and prioritize files and investigate assigned cases ensuring proper protocols are in place and effectively applied.
• Work effectively with internal and external stakeholders at other financial institutions, law enforcement agencies, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure.
• Conduct investigations in a professional and timely manner.
• Identify and communicate procedural weaknesses to businesses.
• Identify industry and typologies risk and trends for respective program areas and share knowledge with appropriate stakeholders.
• Maintain and establish working relationships with internal partners (e.g., HR, Legal, corporate security, etc.) for investigative purposes.
• Investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations.

SHAREHOLDER

• Develop and maintain effective partnerships with key stakeholders including Corporate Security, Legal, Human Resources.
• Patriciate in forums, working groups and other established task force while representing the HRI to ensure information is shared among various stakeholders in a timely, concise, and accurate manner.
• Lead work streams by acting as a project lead for large or complex projects / initiatives in accordance with project management methodologies.
• Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
• Evaluate the effectiveness of processes/services and recommend/champion possible enhancements.
• Recommend improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders.
• Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs.
• Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience.
• Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist.
• Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate.
• Protect the interests of the organization - identify and manage risks and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues.
• Run analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices.
• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.

EMPLOYEE / TEAM

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
• Share industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
• Participate in personal performance management and development activities, including cross training within own team
• Keep 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
• Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
• Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

• Investigates criminal cases ranging from simple to complex in nature
• Sound knowledge of Bank products, systems, policies and procedures
• Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends
• Manages programs/projects/ initiatives of low to 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
• Impacts a range of functional programs across own and related teams
• Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels
• Builds stakeholder alignment in leading projects and activities
• Works independently as the senior technical lead and guides others within area of expertise
• Identifies and leads problem resolution for complex issues at all levels
• Generally, reports to a Group Manager/Senior Manager

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or equivalent work experience.
• 5+ years relevant experience in AML, Wealth Surveillance or Compliance functions.
• Canadian Securities Institute Designations: PDO, DFC, OLC, OPSC would be an asset.
• Capital Market Surveillance experience an asset.
• Proficient knowledge of Wholesale Banking and Capital Market products and services, systems, standards, procedures, laws, rules and regulations.
• Certified Anti-Money Laundering Specialist (CAMS)/Certified Financial Crime Specialist (CFCS) certifications an asset.
• Strong knowledge of Canadian AML legislation, requirements and guidance including by not limiting to Financial Transactions Report Analysis Centre of Canada (FINTRAC), Officer of the Superintendent of Financial Institutions (OSFI), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), and the Criminal Code of Canada, BSA and US Patriot Act requirements, FinCEN (Finance Crimes Enforcement Network) requirements, Monetary Authority of Singapore (MAS) requirements, as well as FCA (Financial Conduct Agency) of the United Kingdom requirements.
• Strong knowledge of quality control testing and audit.
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions cases including reasonable ground to suspect (RGS).
• Strong knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
• Excellent oral and written communication skills.
• Ability to delegate work to others, work well independently and ability to collaborate and build positive relationships.
• Strong decision-making, critical thinking, follow-through ability, analytical skills.
• Ability to respond to shifting priorities quickly and managing competing priorities.
• Proficiency in using computer applications including MS Office.
• Ability to exercise sound judgement in making decisions.

À propos de nous :

La TD est un chef de file mondial dans le secteur des institutions financières. Elle représente la cinquième banque en Amérique du Nord de par son nombre de succursales. Chaque jour, nous offrons une expérience client légendaire à plus de 27 millions de ménages et d’entreprises au Canada, aux États-Unis et partout dans le monde. Plus de 95 000 collègues de la TD mettent en commun leurs compétences, leur talent et leur créativité au service de la Banque, des clients qu’elle sert et des économies qu’elle appuie. Nous sommes guidés par notre vision d’être une meilleure banque et par notre objectif d’enrichir la vie de nos clients, de nos collectivités et de nos collègues.

La TD est une entreprise profondément engagée à être une leader en matière d’expérience client. Voilà pourquoi nous croyons que chaque collègue, peu importe son secteur d’activité, est en contact avec la clientèle. En parallèle de l’évolution de nos activités et de notre stratégie, nous innovons afin d’améliorer l’expérience client et de créer des capacités pour façonner l’avenir des services bancaires. Que vous ayez plusieurs années d’expérience dans le secteur bancaire ou que vous commenciez tout juste votre carrière dans le domaine des services financiers, nous pouvons vous aider à réaliser votre plein potentiel. Vous pourrez compter sur nos programmes de formation et de mentorat et sur des conversations sur le perfectionnement et le leadership pour réaliser votre plein potentiel et atteindre vos objectifs. Notre croissance en tant qu’entreprise rime avec la vôtre.

Notre programme de rémunération globale
Notre programme de rémunération globale reflète les investissements que nous faisons pour aider nos collègues et leur famille à atteindre leurs objectifs en matière de bien-être mental, physique et financier. La rémunération globale à la TD inclut le salaire de base, la rémunération variable et bien d’autres régimes clés, comme des avantages sociaux en matière de santé et de bien-être, des régimes d’épargne et de retraite, des congés payés, des avantages bancaires et des rabais, des occasions de développement de carrière et des programmes de récompenses et reconnaissance. En savoir plus

Renseignements supplémentaires :
Nous sommes ravis que vous envisagiez une carrière à la TD. Sachez que nous avons à cœur d’aider nos collègues à réussir dans leur vie tant personnelle que professionnelle. C’est d’ailleurs pourquoi nous leur offrons des conversations sur le perfectionnement, des programmes de formation et un régime d’avantages sociaux concurrentiel.

Perfectionnement des collègues
Un cheminement professionnel particulier vous intéresse ou vous cherchez à acquérir certaines compétences? Nous tenons à vous mettre sur la voie de la réussite. Vous aurez des conversations régulières sur le développement de carrière, le perfectionnement et le rendement avec votre gestionnaire. Une variété de programmes de mentorat et une plateforme d’apprentissage en ligne seront également à votre disposition pour vous aider à ouvrir de nouvelles portes. Que vous ayez à cœur d’aider les clients et souhaitiez élargir votre expérience ou que vous préfériez coacher et inspirer vos collègues, sachez que la TD propose un grand nombre de cheminements professionnels et qu’elle s’engage à vous aider à relever les occasions qui vont dans le sens de vos objectifs.

Formation et intégration
Nous tenons à nous assurer que vous disposez des outils et ressources nécessaires pour réussir à votre nouveau poste. Dans cette optique, nous organiserons des séances d’intégration et de formation.

Processus d’entrevue
Nous communiquerons avec les candidats sélectionnés pour planifier une entrevue. Nous ferons notre possible pour communiquer par courriel ou par téléphone avec tous les candidats pour leur faire part de notre décision.

Mesures d’adaptation
L’accessibilité est importante pour nous. N’hésitez pas à nous faire part de toute mesure d’adaptation (salles de réunion accessibles, sous-titres pour les entrevues virtuelles, etc.) dont vous pourriez avoir besoin pour participer sans entraves au processus d’entrevue.

Nous avons hâte d’avoir de vos nouvelles!

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