Financial Crime Risk Investigator II - Centralized Investigations

Work Location:Mount Laurel, New Jersey, 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 sponsorshipThe Centralized Investigation Team (CIT) is responsible for investigating referrals regarding potentially fraudulent activity and/or other concerning activity for further investigation and SAR consideration, if warranted.The Financial Crime Risk Investigator II conducts investigations of moderate complexity for both internal and external cases. Recommends for demarket and/or freezing accounts by the appropriate investigative unit. Conducts adjudications of moderate complexity. May provide QA/review and mentorship of a team. Applies reasonable grounds to suspect money laundering and terrorist financing.Depth & Scope:Experienced working professional role providing services, advisory or processes/program supportRequires experienced, conceptual, and practical knowledge within respective area and knowledge of broader related areasAccountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own areaLeads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programsWorks within broad guidelines/policies and independently performs tasks from end to endWork performed under minimal management guidance and supervisionEducation & Experience:Undergraduate degree or equivalent work experience3+ years experiencePreferred Skills:1-2 years of work experience in a dedicated AML, Compliance or Fraud related roleFamiliarity with Fraud typologies and investigationsStrong written and verbal communication skills, with the ability to present findings clearly and conciselyCustomer Accountabilities:Conducts investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigationsConducts data analysis, manipulation and interpretation looking for patterns and anomaliesInitiates investigations and/or responds to emerging AML and Sanctions/ABAC risksAssists with reviewing and investigating court orders (subpoenas) related to criminal actionsAssists and coordinates investigations with various law enforcement agencies as delegatedPrepares and delivers AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assignedShareholder Accountabilities:Leads workstreams by acting as a project lead for medium scale projects/initiatives in accordance with project management methodologiesConsistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriateConducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practicesBe knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional areaProtects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessaryMaintains appropriate project records, databases, and information; reports to management and others on project status and updatesMonitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities existAcquires and applies expertise in the discipline, provides guidance, assistance, and direction to Analysts, Investigators and othersIdentifies, recommends, and effectively executes standard practices applicable to the disciplineAdheres to internal policies/procedures and applicable regulatory guidelinesKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impactsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteEmployee/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 appropriate.Contributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand champion for your business area/function and the bank, both internally and/or externallyPhysical 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