Enhanced Due Diligence (EDD) / KYC High Risk Reviews Analyst- Financial Crimes Risk Management

Financial Crime Risk Management Professional

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.

Undergraduate degree or equivalent work experience. 3+ years experience. Preferred qualifications include a Bachelor's degree in Business, Finance, Law, Criminal Justice, or related field, advanced certifications such as CAMS, or equivalent are strongly preferred, 3+ years of experience in KYC, EDD, or AML within a financial institution, demonstrated expertise in high-risk customer reviews and regulatory compliance, strong analytical, problem-solving, and decision-making skills, excellent written and verbal communication skills, with the ability to present complex findings to stakeholders, proficiency in AML software and tools, as well as Microsoft Office Suite, ability to exercise discretion and independent judgment in assessing and managing risks, ability to manage multiple high-priority tasks and deliver results under tight deadlines.

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.

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.

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.

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.

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 deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing and so will you.

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation / incentive awards (e.g., eligibility for cash and / or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.