Analyste II, Opérations, LCBA

Department Overview :

The TD Global AML department is accountable for establishing TD's Global Anti-Money Laundering and Anti-Terrorist Financing Program (AML/ATF) to ensure that all TD businesses adhere with AML/ATF regulatory expectations in all jurisdictions where TD operates. This includes setting consistent standards across business segments that may be further tailored to specific business or jurisdictional requirements; conducting annual enterprise-wide AML risk assessments; maintaining the Global AML Policy (including Know Your Customer and Enhanced Due Diligence, record keeping & retention requirements); currency transaction and suspicious transaction monitoring and reporting; screening TD customers against regulatory watch lists; a hierarchy of designated AML officer functions; enterprise-wide and specialized AML training of employees; and independent AML testing. In the FIU, we conduct detection, investigation, and reporting for the money laundering program.

Job Description :

Workplace Model: Hybrid

Job Description :

• This position evaluates ML/TF risk, by conducting investigations on cases as part of the controls of TD's AML and ATF program.
• This position will support the management team and conduct second level reviews including, but not exclusive to, reviews of investigator cases of Suspicious Transaction Reports (STR) and Demarket approval(s).
• Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching on case files and/or guidance as appropriate. This position will support the PEP Investigation team
• Ability to review other FIU teams work.
• Perform a broad range of money laundering investigation related activities in support of Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) regulations designed to detect and report on financial-related crimes.
• Ability to lead and positively influence others.
• Provide trend analysis and reporting of AML/TF findings to Management for review.
• Assist the operational function with developing/drafting and maintaining written policies, procedures and/or programs/frameworks to minimize compliance breaches and monitor adherence to applicable regulations/ requirement.
• Prioritize and manage own workload to meet SLA requirements for service and productivity.
• Serve as a subject matter expert in an operational function and serve as knowledge and process expert to others.
• Comply with applicable internal and external audit and regulatory requirements and actively participate in Audit Reviews, providing recommendations and guidance as required.
• 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.
• Evaluate potentially suspicious account activity. Recognize and evaluate accounts and activity and effectively document recommendations regarding account retention and/or regulatory reporting obligations.
• Effectively work independently with minimal supervision within a team environment to complete a common goal and prioritize daily workload to meet department objectives.
• Adhere to the team policy and procedures to ensure that work is properly documented.

Job Requirements :

• 2.5 years of industry related experience with 1 year experience in another FIU Investigative Team.
• Understanding of related regulations, such as the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).
• Experience with a wide variety of ML/TF risks for multiple customer/product types and a solid ability to articulate the risks and your findings in a recommendation summary.
• Excellent communication skills, including the ability to professionally manage questions and/or concerns escalated by partners.
• Excellent organization skills with the ability handle multiple complex cases simultaneously, while meeting deadlines.
• Excellent team player who is versatile and adaptable to new situations/opportunities within the business needs.
• Strong attention to detail and accuracy.
• Excellent technical and computing skills: including the ability to use various searchable databases and Microsoft Office software. Knowledge of current and emerging trends
• Skill in mentoring, coaching and performance management
• Skill in using analytical software tools, data analysis methods and reporting techniques
• Skill in using computer applications including MS Office
• Skill in mentoring, coaching and performance management
• Ability to exercise sound judgment in making decisions
• Ability to analyze, research, organize and prioritize work while meeting multiple deadlines
• Ability to process and handle confidential information with discretion

Additional Information :

SHAREHOLDER: Prioritize and manage own workload to meet SLA requirements for service and productivity
• 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 escalate non-standard, high risk transactions / activities as necessary
• Comply with applicable internal and external audit and regulatory requirements and may actively participate in Audit Reviews, providing recommendations and guidance as required

CUSTOMER: Support the business internally as a specialist of a given area in AML/ATF, Sanctions/ABAC matters
• Conduct sound investigations and provide AML/ATF, Sanctions/ABAC , support and recommendations on AML/BSA, Sanctions and ABAC investigations

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
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Perform 2nd level reviews on investigator cases through our case management systems while ensuring compliance to our process and procedures.

BREADTH & DEPTH: Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
• Lead a team and oversees the most complex or diverse operations or functional area - impacts a significant part of the organization and entails leading teams in completing multiple step transactions, processes and
• Require strong process management knowledge and understanding of the business and operational function areas supported"