KYC Analyst III (US)

Work Location Jacksonville, Florida, United States of America Hours 40 Pay Details $61,880.00 - $92,560.00 USD Line Of Business Financial Crimes & Fraud Mgmt Job Description The KYC Analyst III provides a range of analytical, research and assessment support to the development of and enhancements to, the enterprise’s KYC programs and processes. This role may interact with key stakeholders and third‑party service providers to deliver KYC programs that satisfy regulatory requirements. This role focuses on complex customers or high visibility cases, is expected to provide a modicum of subject matter expertise. This role performs quality control on the work product as needed. Depth & Scope Perform more advanced, complicated, or high visibility job functions aligned with policies, standards, procedures, and job aids Ensures that work products are fit for purpose and audit / regulator ready Suggests process improvements to drive better results from efficiency, accuracy, or quality of work product Experienced professional role providing specialized guidance/assistance/support to functions/GAML 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 apply 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 professional work experience 2+ direct experience in financial services or similar industries including fraud, know your customer, anti-money laundering, sanctions screening, or similar roles for new joiners. (or) 6+ years' experience in an unrelated role involving information fluency, investigation, research, or financial services broadly but not specifically KYC or AML. (or) Or for an internal candidate proven track record of excellence through metrics or manager discretion Customer Accountabilities Maintains KYC files, data, and documents in a manner consistent with the KYC Policies and Standards in line with Service Level Agreements Performs reviews of customers as appropriate throughout the customer’s lifecycle with TD Ensures that such records, data, and reviews are prepared for review by auditors and regulators Provides KYC research, evaluation, operational, reporting and/or analytical support in operational processes, in a timely manner Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders as required Immediately escalates any potential issues or concerns to management for further action Analyzes data and draw 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 KYC Ops‑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 KYC Ops function initiatives and programs on timely matter as required Assists in reviewing and updating higher risk customer information Shareholder Accountabilities Prioritizes and manages own workload to meet KYC Ops requirements for service and productivity and within TD’s risk appetite 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 Maintains a culture of risk management and control, supported by effective processes in alignment with the bank's risk appetite Adheres to internal policies/procedures and applicable regulatory guidelines Coordinates with other FCRM partners and compliance partners to ensure consistency in the application of AML 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 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 Accommodation & EEO Statement 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 require accommodations to complete part of the application or job interview process, please contact TD Bank US Workplace Accommodations Program at View email address on click.appcast.io. Include your full name and the accommodation required. #J-18808-Ljbffr