High Risk Investigation (HRI) conducts investigation of complex and sensitive cases to determine potential suspicious activities. Within the HRI, there is a specialized unit consisting of subject matter experts and investigators with accountabilities for conducting investigation of TD Securities alerts on products that are deemed higher risk and other referrals relating to financial crime including money laundering, terrorist financing, sanctions, fraud, anti-bribery, and anti-corruption associated with TD Securities Transaction Monitoring Program.

The AML Financial Crime Risk Investigator II (TD Securities Transaction Monitoring) reports to the Group Manager AML Financial Crime Investigations (TD Securities Transaction Monitoring)

The AML Financial Crime Risk Investigator II (TD Securities Transaction Monitoring) is responsible for:

• Conducting end to end AML investigations review of cases specifically relating to Correspondent banking products. Includes authority in applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
• Provide support to the Group Manager AML Financial Crime Investigations (TD Securities Transaction Monitoring) and feedback/coaching where needed.
• The AML Financial Crime Risk Investigator II(TD Securities Transaction Monitoring) conducts end to end AML Investigations, and quality reviews of correspondent banking and alerts and assists with the oversight of the TD Securities Transaction Monitoring Program while partnering with internal and external stakeholders including sanctions, Global Transaction Banking and compliance stakeholders as well as  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 Investigator II(TD Securities Transaction Monitoring) assists with the oversight of the Correspondent banking alerts while partnering with internal and external stakeholders including Global Transaction, 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. Includes supporting the Group Manager AML Financial Crime Investigations (TD Securities Transaction Monitoring) and providing feedback/coaching where needed.

Job Description

CUSTOMER

• Conduct quality reviews of investigations completed by AML Financial Crime Risk Investigator II including review of investigation that resulted in no Suspicious Transaction Reports (STRs) as well as investigation that resulted in STRs and other regulatory reporting and risk mitigation (e.g demarket etc).
• Conduct variety of complex investigations, including AML, Sanctions/ ABAC, and Financial Crime
• Assist with reviewing and investigating referrals issued by law enforcement agencies related to criminal actions.
• 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.
• Work effectively with internal and external stakeholders at other financial institutions, law enforcement agencies, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure.
• Conduct 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 partners (e.g., HR, Legal, corporate security, 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 Corporate Security, Legal, Human Resources.
• Patriciate in forums, working groups and other established task force while representing the HRI 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:

• Investigates criminal investigations ranging from simple to complex in nature.
• 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
• 3+ years relevant experience in AML, Wealth Surveillance or Compliance functions
• Global Transaction Banking or Correspondent Banking experience an asset
• 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, BSA and US Patriot Act requirements, FinCEN (Finance Crimes Enforcement Network) requirements, Monetary Authority of Singapore (MAS) requirements, as well as FCA (Financial Conduct Agency) of the United Kingdom requirements.
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions investigations
• Strong knowledge of quality control testing and audit.
• Strong knowledge and experience with investigating complex and sensitive ML/TF and sanctions cases relating to correspondent banking including reasonable ground to suspect (RGS).
• Strong knowledge and experience interacting with law enforcement, corporate security, and other investigative groups.
• 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.