Enquêteur principal, Enquêtes sur les risques liés aux crimes financiers

Lieu de travail :

Horaire :

Secteur d’activité :

Détails de la rémunération :

La TD a à cœur d’offrir une rémunération juste et équitable à tous les collègues. Les occasions de croissance et le perfectionnement des compétences sont des caractéristiques essentielles de l’expérience collègue à la TD. Nos politiques et pratiques en matière de rémunération ont été conçues pour permettre aux collègues de progresser dans l’échelle salariale au fil du temps, à mesure qu’ils s’améliorent dans leurs fonctions. Le salaire de base offert peut varier en fonction des compétences et de l’expérience du candidat, de ses connaissances professionnelles, de son emplacement géographique et d’autres besoins particuliers du secteur et de l’entreprise.

En tant que candidat, nous vous encourageons à poser des questions sur la rémunération et à avoir une conversation franche avec votre recruteur, qui pourra vous fournir des détails plus précis sur ce poste.

Description du poste :

The High Risk Customer Program consists of dedicated and specialized teams with AML subject matter experts with accountabilities to conduct the enhance due diligence of high risk customers. Within the High Risk Customer Program resides a team that focuses on conducting enhanced due diligence on high risk customers, and other specialized types of high risk customers.

The AML Financial Crime Risk Senior Investigator (Enhanced Due Diligence, High Risk Customer Program) (Quality Reviewer also refer to as Second Level Reviewers) reports to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program).

The AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program, Quality Reviewer) is responsible for:

• Conducting quality control reviews of the end to end EDD reviews/AML investigations specifically relating to high risk customers and other referrals submitted to the High Risk Customer Program. Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• As such, the AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program, Quality Reviewer) conduct the quality control reviews of all completed filed that were subjected to EDD as well as any other investigations conducted by the High Risk Customer Program.
• Provide support to the Group Manager AML Financial Crime Investigations (EDD, High Risk Customer Program) providing feedback/coaching where needed.
• The AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program) conducts end to end EDD reviews/AML Investigations, and second level reviews of enhanced due diligence reviews, and assists with the oversight of the High Risk Customer Program in Canada while partnering with internal and external stakeholders including, vendor engagements, advisory teams, 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 AML Financial Crime Risk Senior Investigator (EDD, High Risk Customer Program) assists with the oversight of the High Risk Customer Program while partnering with internal and external stakeholders including, advisory team, 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.

• Job Description

CUSTOMER

• Conduct quality reviews of enhanced due diligence and investigations completed by AML Financial Crime Risk Investigators including initial and periodic enhanced due diligence reviews of high risk customers, as well as transactions that resulted in no Suspicious Transaction Reports (STRs), demarkets, removal of high risk customers (if required) and other enhance due diligence processes.
• Conduct a quality reviews of complex EDD reviews/investigations, including AML, Sanctions/ ABAC, and Financial Crime
• 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.
• Conduct EDD reviews/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 and external partners (e.g., vendor engagements, advisory teams, working with other people managers and investigators, and 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 relationship with key stakeholders including, vendor engagements, advisory teams, working with other people managers and investigators, and etc.
• Patriciate in forums, working groups and other established task force while representing High Risk Investigations 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
• Support the team by continuously enhancing knowledge / expertise in own area 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 by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.
• 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 champion for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

• Conducts EDD reviews/investigations on high risk customers that are complex in nature including large projects
• 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/ crime trends.
• Manages programs/ projects/ initiatives of varying complexities.
• Expert level professional role requiring in-depth knowledge/ expertise within respective area and working knowledge of broader related areas.
• Understands the industry, competition and the factors that differentiate the organization.
• Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels.
• Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programs.
• 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 relevant professional certifications, designations, or equivalent required
• 5+ years relevant experience
• 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
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions investigations
• Strong knowledge and experience with KYC requirements, EDD and High Risk Customer Program.
• Strong knowledge of quality control testing and audit.
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions cases relating to insider risk including reasonable ground to suspect (RGS).
• Strong knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
• Strong knowledge of investigative techniques and tools including data analytics, link analysis, forensic analysis among others.
• Excellent oral and written communication skills
• Coaching and counseling 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!

Exigences linguistiques (Québec seulement) :