Senior Financial Crime Risk Business Oversight Analyst (US)

Senior Financial Crime Risk Business Oversight Analyst

Work Location: Mount Laurel, New Jersey, United States of America

Hours: 40

Pay Details: $72,280 - $108,160 USD

TD 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.

Job Description

The Senior Financial Crime Risk Business Oversight Analyst provides a range of research, guidance, and business oversight to assigned portfolio, business, or function to ensure that strong AML/ATF/Sanctions/ABAC controls and processes are in effect to mitigate inherent associated risks. Contributes to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs related to all aspects of AML and ATF laws.

Department Summary

The US Financial Crime Risk Management (FCRM) Risk Assessment Team is responsible for the governance, oversight, and execution of the ML/TF, Sanctions, and ABC risk assessments across the US units and segments, including identifying enhancements to the Risk Assessment Methodology and processes. The FCRM US Risk Assessment specialist contributes to the execution of the risk assessments through supporting the delivery of the team's business strategies and objectives in compliance with governing regulations, internal policies, and procedures and collaborating with stakeholder groups across the bank in both 1LoD and 2LoD functions, and business lines.

Depth & Scope

• Specialist level professional role requiring in-depth knowledge/expertise in AML/ATF/Sanctions/ABAC and working knowledge of broader related areas
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas, or centers of expertise
• Provides AML/ATF/Sanctions/ABAC advice to a business as FCRM representative on a straightforward project or change initiative
• Integrates the broader organizational context into advice and solutions within the AML/ATF/Sanctions/ABAC area
• Understands the industry, competition and the factors that differentiate the organization
• Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
• Contact for business management, external/internal auditors, dealing with non-routine information
• Recommends and implements solutions within own area of responsibility
• May need to coordinate/integrate work with other areas as needed
• Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience

• Undergraduate degree or equivalent work experience
• 5+ years experience

Preferred Qualifications

• Experience with SharePoint Designer 2010/2013 Workflows and InfoPath (2+ years)
• Experience developing solutions using PowerApps/PowerAutomate (2+ years)
• Proficient in Excel writing VBA and using complex formulas/functions (4+ years)
• Experience creating business reports within Tableau, PowerBI and/or SQL Server Report Services (1+ years)

Customer Accountabilities

• Provides guidance on day-to-day AML/ATF/Sanctions/ABAC matters affecting the business based on regulatory compliance requirements and industry best practice, including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing
• Provides/Executes skilled AML/ATF/Sanctions/ABAC research, risk assessment, reporting and/or analytical support in a timely manner
• Assists/Partners in the development and implementation of appropriate AML/ATF/Sanctions/ABAC policies, processes, and controls
• Supports the facilitation of periodic AML/ATF/Sanctions/ABAC risk and self-assessment activities for designated business using TD's enterprise AML/ATF/Sanctions/ABAC risk assessment framework
• Ensures that assessments (monitoring, risk assessment etc.) are completed and communicated in a dynamic and timely fashion
• Handles matters escalated for the identification of suspicious activity, or identified through the Enhanced Due Diligence process in accordance with established processes and protocols, and assists in ensuring that the business takes appropriate steps to address those activities and customers
• Works collaboratively with business and control partners within the organization
• Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products
• Proactively identifies matters which require additional attention and presents objective and independent opinion on the adequacy of AML/ATF/Sanctions/ABAC processes and controls and opportunities to enhance those controls
• Presents objective and independent opinions on the adequacy of AML/ATF/Sanctions/ABAC processes and controls in accordance with regulatory and internal requirements, and liaises with the appropriate FCRM and business partners to resolve

Shareholder Accountabilities

• Reviews and provides feedback on business line policies and procedures
• Analyzes AML/ATF/Sanctions/ABAC compliance requirements and ensures they are properly written into requirements for business projects and approved at the appropriate levels
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Analyzes risk exposure characteristics for assigned portfolio in accordance with established processes or procedures, making recommendations for enhancements or changes based on changes in the regulatory environment or business processes
• Works with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations
• Keeps current on emerging issues, trends, and evolving regulatory requirements in the AML/ATF/Sanctions/ABAC industry and assesses potential impacts
• Coordinates with other AML/ATF/Sanctions/ABAC partners and business compliance partners to ensure consistency in the application of AML/ATF/Sanctions/ABAC programs and standards across the enterprise
• Protects the interests of the organization identifies and manages risks, and ensures the prompt analysis and escalation of non-standard, high-risk issues, monitoring to thorough resolution
• Acquires and applies expertise in the AML/ATF/Sanctions/ABAC disciplines, providing basic guidance and direction to business and other FCRM partners

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
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business
• Participates in personal performance management and development activities, including cross training within own team
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive, and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements

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
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