Financial Crime Risk Analyst II -KYC

Work Location:
New York, New York, United States of America
Hours
40
Pay Details
$29.75 - $47.75 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line Of Business
Financial Crime Risk Management
Job Description
This role is not eligible for TD work visa support or sponsorship (e.g., H-1B, F-1 OPT/STEM OPT, TN or other work visa authorizations). Applicants must have authorization to work in the United States without current or future need for TD sponsorship.
The Financial Crime Risk Analyst II role provides a range of analytical, research and assessment support to the development of and enhancements to the enterprises FCRM programs and processes. This role may interact with key stakeholders and third-party service providers to deliver AML/ATF/Sanctions/ABAC programs that satisfy regulatory requirements. Additionally, this role assists in reviewing higher risk customer or transactional information.
The Financial Crimes Risk Management (FCRM) Know Your Customer (KYC) Program Team is responsible for the establishment and ongoing oversight of an effective KYC Program for TD Bank US Holdings. The KYC Program Team is tasked with setting consistent requirements for the bank to reasonably 'know its customers' and evaluate the risks associated with a customer relationship throughout the customer lifecycle.
The primary responsibility of the KYC High Risk Reviews team is to execute enhanced due diligence (EDD) reviews for high-risk customers at the bank. The team is responsible for managing procedures and escalations related to high-risk customers, including analysis of customer behavior and activity of concern, in compliance with KYC policy and regulatory requirements. The team engages with the 1st line of defense on the outcomes of EDD reviews, management of issues, and guidance related to high-risk customer types and associated activity. To be successful in this role, you will need to know the difference between investigations, EDD and CDD and have conducted complicated EDD in your current or past roles. This role is more focused on EDD experience rather than an investigative role.
Depth & Scope
Experienced professional role providing specialized guidance/assistance/support to functions/FCRM teams
Independently performs activities from end-to-end
Requires advanced understanding of a range of product and services, processes, procedures, systems and concepts within their own area of specialty and integration points with related areas
Manages ambiguity, and applies judgement to identify, troubleshoot and resolve ongoing business and operational issues
Interprets and administers policies, adopts and implements business process improvements
Guided by practices, procedures and operating plans, makes process and capacity management decisions to ensure ongoing operations
Moderate level of complexity in operational / reporting / process and/or analysis function requiring a short to medium term focus
Education & Experience
Undergraduate degree or equivalent work experience
3+ years experience
Preferred Qualifications
ACAMS preferred
Strong knowledge of AML KYC and Enhanced Due Diligence (EDD) processes and regulations
Must have conducted complicated EDD in current or past roles
This is not an investigative role, this is an EDD role and experience in this area is preferred
Strong written and verbal communication skills
Customer Accountabilities
Provides FCRM research, evaluation, operational, reporting and/or analytical support in oversight, advisory services and control function to business (FCRM) partners, in a timely manner
Co-ordinates requests to and from, business (FCRM) partners
Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders
Recommends responses to enterprise FCRM Program questions and immediately escalates any sensitive issues according to departmental procedures
Analyzes data and draws conclusions to meet program health reporting requirements
Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify FCRM- related gaps, issues and enhancements
Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate
Coordinates tracking and reporting of FCRM function initiatives and programs
Shareholder Accountabilities
Prioritizes and manages own workload to meet SLA requirements for service and productivity
Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions / activities as necessary
Acquires and applies expertise in the FCRM discipline, provides guidance, assistance and direction to other FCRM partners
Identifies, recommends and effectively executes standard practices applicable to the FCRM discipline
Keeps abreast of emerging issues, trends, and evolving regulatory requirements
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Adheres to internal policies / procedures and applicable regulatory guidelines
Coordinates with other FCRM partners and compliance partners to ensure consistence in the application of FCRM
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
Supports the team by continuously enhancing knowledge / expertise in own area 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
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 the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand champion for your function and the bank, both internally and/or externally
Grows knowledge of the business, related tools and techniques
Physical Requirements
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Occasional
International Travel – Never
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Never
Squatting – Occasional
Bending – Occasional
Kneeling – Never
Crawling – Never
Climbing – Never
Reaching overhead – Never
Reaching forward – Occasional
Pushing – Never
Pulling – Never
Twisting – Never
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and busin

Work arrangement
Yes