Dir. princ., Opérations, LCBA

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Description du poste:

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 activities. Our dedication is upheld and deployed through key team functions - Policy, Testing, Advisory, High Risk Investigations, and Financial Intelligence Unit - 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.

High Risk Customer (HRC) Program conducts enhanced due diligence of customers who have been high risk. In addition, the HRI manages the daily activities, design and implement controls for risk mitigation related to Anti-Money Laundering, Anti-Terrorist Financing, Enhanced Due Diligence, Sanctions and Anti-Bribery/Anti-Corruption.

Job Description:

The Senior Manager, High Risk Customer Program Management, Strategy, and Initiatives reports to the Associate Vice President (AVP), Head of Canada Enhanced Due Diligence and High Risk Investigations. The Senior Manager, High Risk Customer Program Management, Strategy, and Initiatives supports the AVP, Head of Canada Enhanced Due Diligence and High Risk Investigations with the management and oversight of the HRC Program in Canada.

The Senior Manager, High Risk Customer Program Management, Strategy, and Initiatives is responsible for support, management, and strategic design of the High Risk Customer Program while partnering with stakeholders, working with 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. Additionally, the role will involve ensuring High Risk Customer Program is operating at peak staffing performance and efficiency while promoting a culture of compliance.

In this role you will oversee a large and significant multi-faceted AML operational function. You'll have overall accountability for providing strategic direction and guidance on a broad and diverse range of complex AML operational activities/analysis and/or specialized project support or services within enterprise AML Operations.

As a Senior Manager, Senior Manager, Quality Control/Maker - Checker, AML Enhanced Due Diligence, High Risk Customer Program, you will:

• Provide support to the Associate Vice President (AVP), Head of Canada Enhanced Due Diligence and High Risk Investigations with the strategic planning, transformation, oversight and management of the High Risk Customer Program.
• Provide assistance and support with the management of the High Risk Customer Program including assessment of risk, design of controls, processes, procedures, training, and ongoing development of personnel of the High Risk Customer Program.
• Design and implement periodic and ongoing reporting and communication for status of High Risk Customer Program to AVP, Head of Canada Enhanced Due Diligence and High Risk Investigations.
• Assist the AVP, Head of Canada Enhanced Due Diligence and High Risk Investigations with preparing, review and validation of all materials for reporting to the Board and Bank executive committees, Enterprise Risk Management, Global Financial Crimes Committee as well as the AML oversight Committee and other committees.
• Assist with ad hoc projects, initiatives and deliverables while managing competing priorities.
• Provide oversight and support with regulatory and audit examinations, issue management process, development of action plans for remediation of regulatory findings, audit and, testing issues as well as the validation of the findings and issues prior to submission for closure.
• Conduct internal and external monitoring of the environment to identify trends, themes and emerging risk relating to the High Risk Customer Program.
• Assess trends, themes and emerging risk to develop controls, initiatives and priorities to support the AVP, Head of Enhanced Due Diligence and High Risk Investigation to mitigate and manage risk while meeting regulatory expectations.
• Assist with risk assessment process including validation of data, provide input and commentary where applicable while ensuring the risk assessment accurately reflects the state of the High Risk Customer Program.
• Ensure controls are designed appropriately and operating effectively to mitigate risk and compliance with internal controls as well as regulatory requirements.
• Ensure regulatory obligations are mapped to the controls and procedures and periodically updated to reflect regulatory amendments.
• Assist and provide input into new initiatives while ensuring controls are adequate to mitigate the risk with new initiatives.
• Maintain effective relationships and coordinate with High Risk Customer Program team and other stakeholders impacted during investigation including internal stakeholders (e.g Human Resources, Corporate Security, Business Lines, Protect Platform etc.) and law enforcement.
• Provide oversight and guidance including coaching and identification of development for employees.
• Act as the highest point of critical issue resolution and provide direction to resolve.
• Participate in initiatives and/or special projects; long-term (1-2 years) time focus.
• Oversee research, development and implementation of new processes, technologies, or operating models.
• Work autonomously as the leader of the team and develop group policies procedures in coordination with leadership team.
• Participate in responding to periodic exams/audits and various regulatory bodies.
• Work closely with key business leaders to develop business plans; manage budgets as required.
• Coordinate group technology support, including vendor research databases.
• Monitor performance of AML Sanctions/ABAC systems; communicate feedback to management.
• Act as a brand ambassador for your business area/function and TD, both internally and externally.
• Keep abreast and maintain strong understanding and knowledge of regulatory requirements and changes, emerging risk and trends for application during investigation.

Job Requirements:

What can you bring to TD? Tell us about your most relevant experience, credentials, and knowledge for this role, as well as these requirements and desired attributes:

• Undergraduate degree preferred and AML designations (e.g CAMS, CFCS, CFE)
• Ten (10) or more years of AML experience with focus on high risk customer program and/or enhanced due diligence program.
• Experience and advanced knowledge of Canadian AML legislation, requirements and guidance including but not restricted to Financial Transactions Reports Analysis Centre of Canada (FINTRAC), Office of the Superintendent of Financial Institutions (OSFI). Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
• Expert in AML regulations, strategies, and risk management;
• Possesses and demonstrates expertise in the AML advisory, policy, change management, project management and operations
• Excellent communication and presentation skills, including public speaking / presentation skills and well developed listening and negotiation skills
• Strategic thinker; has excellent judgment and the ability to anticipate emerging trends
• Ability to work in a fast-paced environment and manage multiple priorities
• People leadership and management experience focused on talent development and coaching to nurture a high performing team
• Ability to operate in an evolving, sometimes ambiguous, matrixed environment.
• Demonstrates ability delivering on objectives, focuses on what matters and can work across silos to build effective working relationships
• Possesses an advanced level of financial and strategic acumen to provide insight on strategy development and execute effectively on a broad range of key business management activities
• Strong relationship building and negotiation skills and the ability to interact with sensitivity and leadership to advance the AML Function.
• Demonstrates strong problem solving & analytical skills, including the ability to comprehend a situation by breaking it down into its components and identifying underlying issues
• Can manage a diverse group of professionals and mobilize teams against complex requirements

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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