FCRM High Risk Reviews Analyst

Work Location:Charlotte, North Carolina, United States of AmericaHours:40Pay Details:$29.75 - $47.75 USDTD 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 ManagementJob 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.Depth & Scope:Experienced professional role providing specialized guidance/assistance/support to functions/FCRM teamsIndependently performs activities from end-to-endRequires 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 areasManages ambiguity, and applies judgement to identify, troubleshoot and resolve ongoing business and operational issuesInterprets and administers policies, adopts and implements business process improvementsGuided by practices, procedures and operating plans, makes process and capacity management decisions to ensure ongoing operationsModerate level of complexity in operational / reporting / process and/or analysis function requiring a short to medium term focusEducation & Experience:Undergraduate degree or equivalent work experience3+ years experiencePreferred Skills:ACAMS Certification3+ years experience in a KYC or EDD roleStrong knowledge of AML KYC and Enhanced Due Diligence (EDD) processes and regulationsStrong written skillsAdaptable, detail orientated and flexibleStrong interpersonal skillsCustomer 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 mannerCo-ordinates requests to and from, business (FCRM) partnersAssists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholdersRecommends responses to enterprise FCRM Program questions and immediately escalates any sensitive issues according to departmental proceduresAnalyzes data and draws conclusions to meet program health reporting requirementsAnalyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify FCRM- related gaps, issues and enhancementsProactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriateCoordinates tracking and reporting of FCRM function initiatives and programsShareholder Accountabilities:Prioritizes and manages own workload to meet SLA requirements for service and productivityConsistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriateProtects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions / activities as necessaryAcquires and applies expertise in the FCRM discipline, provides guidance, assistance and direction to other FCRM partnersIdentifies, recommends and effectively executes standard practices applicable to the FCRM disciplineKeeps abreast of emerging issues, trends, and evolving regulatory requirementsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteAdheres to internal policies / procedures and applicable regulatory guidelinesCoordinates with other FCRM partners and compliance partners to ensure consistence in the application of FCRMEmployee/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 interestSupports the team by continuously enhancing knowledge / expertise in own area and participates in knowledge transfer within the team and business unitKeeps current on emerging trends / developments and grows knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up to date about the status / progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes 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 appropriateContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand champion for your function and the bank, both internally and/or externallyGrows knowledge of the business, related tools and techniquesPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe 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 businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.Our Total Rewards PackageOur 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 moreAdditional 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 DevelopmentIf 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.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationTD 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 View email address on click.appcast.io . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr TD