Work Location:

United States of America

Hours:

40

Pay Details:

$110,760 - $166,400 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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:

The Senior AML Financial Crime Risk Specialist role leads the development of enterprise programs including frameworks, policies, standards and development of procedures, awareness and specialized training, monitoring, reporting and escalation of issues and events. This role leads the development, and advises on the activities required to support the function. This role also provides domain subject matter expertise in specialized functions to ensure integrity of oversight and control, escalate as required within mandate. Additionally, this role conducts regular reviews to monitor and evaluate the effectiveness of controls, ensuring ongoing compliance with regulations and identifying areas for improvement.

The Financial Crimes Risk Management Policy and Standards Team is responsible for the establishment and ongoing oversight of an effective Financial Crimes Risk Management Program for TD Bank US Holdings. The Policy and Standards Team is tasked with setting consistent requirements for the bank to prevent, detect, and report financial crimes risk and evaluate the risks associated with a customer relationship throughout the customer lifecycle.

The primary responsibility of the Financial Crimes Risk Management Policy Team is to set and maintain the requirements for the US Financial Crimes Risk Management Program and develop and maintain the governing policies and standards for compliance with US regulations. The team provides ongoing advisement around BSA/AML and KYC requirements and works with cross-functional units (Compliance, Technology, Business, Audit) to support and help execute AML and KYC-related projects. Individuals within this team will be called upon to participate in discussions to shape the most efficient processes for the Program based on regulatory requirements.  The team is also responsible for establishing the governance, reporting, and monitoring routines necessary to adequately oversee the firm's ongoing adherence to BSA/AML, Sanctions, and KYC Policies and Standards.

Depth & Scope:

• Recognized as top level expert within the function and requires significant in-depth and/or breadth of expertise in their own field and knowledge of broader related areas
• Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work
• Integrates knowledge of the functions overarching strategy in leading program design, policy formulation or operating standards within one or more areas of expertise
• Anticipates emerging business trends and regulatory/ risk issues as a basis for recommending large-scale product, technical, functional or operations improvements
• Serves as a source of expert advice to senior management in field of specialty
• Advises on execution of strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties
• Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact 
• Requires innovative thinking to develop new solutions
• Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment
• Works within general policies and industry guidelines
• Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader organizational context
• Provides leadership guidance on complex projects/programs; makes recommendations and collaborates with business to ensure solutions meets the business needs
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

• Undergraduate Degree or equivalent professional work experience
• 10+ years of experience

Preferred Qualifications:

• JD preferred
• ACAM's preferred

Customer Accountabilities:

• Provides strategic direction on a broad and diverse range of complex FCRM program activities
• Develops GAML enterprise-wide frameworks, policies, standards, procedures in coordination with management in line with TD's AML Program
• Works with executive team, senior business management / partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory / compliance issues
• Leads or contributes to the development and implementation of enterprise AML programs related to all aspects of AML legislation
• Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required
• Delivers relevant subject matter expertise and AML advice to business / GAML partners
• May provide guidance and support to business lines in adhering to and implementing policies
• Participates in / leads enterprise-wide or GAML-focused special projects

Shareholder Accountabilities:

• Provides strategic advice to key business (GAML) partners regarding FCRM programs, escalations and high-risk issues
• Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations
• Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
• Leads large or complex new or revised product initiatives, advises businesses on AML compliance requirements and ensures that those requirements are properly written into requirements for business projects
• Partners with other AML partners and business compliance partners to ensure consistency in the application of AML programs and standards across the enterprise
• Ensures relevant AML programs align with TD corporate philosophy and strategic direction
• Monitors AML industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts
• Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations
• Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements
• Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations
• Leads role in managing and in responding to periodic exams / audits and various regulatory bodies related to accountabilities, to determine level of BSA/AML compliance
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

• Serves as a senior 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
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and function
• Coaches others on knowledge of the business and the use of business related tools and techniques
• Role models personal development and leads / champions development activities with the team / function
• 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 providing guidance, training and mentoring others in the performance of their work and learning through experience
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand champion for the function and the bank, both internally and/or externally

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 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

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. Learn more

Additional Information:
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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

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.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.