Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews (US)

Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews

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 Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews performs second line Enhanced Due Diligence (EDD) reviews for high-risk customers. This role is responsible for identifying, assessing, and mitigating financial crime risks, ensuring compliance with regulatory requirements, and providing expert recommendations on complex matters. This role requires discretion, independent judgment, and specialized knowledge of anti-money laundering (AML) regulations and financial crime risk management practices.

Depth & Scope:

• Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers at onboarding, periodic review, and event driven reviews, ensuring compliance with internal policies and external regulations
• Reviews customer risk factors/indicators, and acts as a subject matter expert to understand and assess the identified customer risk and how it relates to the Bank products/services to further determine if those risks can be mitigated
• Responsible for documenting the assessment and providing a recommendation based on the independent analysis to maintain and/or onboard the customer
• Evaluates and assesses customers' source of funds, business activities, ownership structures, and other risk factors
• Reviews, assesses, and analyzes customer transactional activity to determine if customer's activity is aligned to the customer KYC profile and expected use of customer's accounts
• Engages with the 1st line of defense on the outcomes of EDD reviews and guidance related to high-risk customer types and associated activity
• Ensures adherence to AML regulations, the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) requirements, and other applicable laws
• Proactively identifies trends and emerging risks in high-risk customer profiles, escalates issues and recommends controls or mitigation measures
• Maintains up-to-date knowledge of regulatory changes and industry best practices, applying this expertise to enhance the KYC program
• Prepares detailed, well-documented EDD risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators
• Provides data-driven insights and recommendations for process improvements, ensuring the effectiveness of the high-risk customer review process
• Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financial crime risk management frameworks
• Serves as a subject matter expert (SME) on KYC and EDD processes for high-risk customer reviews, providing training and guidance to junior analysts or team members
• Represents the Financial Crime Risk Management team during internal and external audits or regulatory examinations
• Leads projects or initiatives focused on enhancing the bank's high-risk customer review processes and risk mitigation strategies
• Utilizes independent judgment to develop and implement policies, procedures, and best practices for high-risk customer management
• Supports the Group Manager by assisting with day to day tasks and acting as a delegate as needed

Education & Experience:

• Bachelor's degree in Business, Finance, Law, Criminal Justice, or related field
• Advanced certifications such as CAMS, or equivalent are strongly preferred
• 5+ years of experience in KYC, EDD, or AML within a financial institution
• Demonstrated expertise in high-risk customer reviews and regulatory compliance
• Strong analytical, problem-solving, and decision-making skills
• Excellent written and verbal communication skills, with the ability to present complex findings to stakeholders
• Proficiency in AML software and tools, as well as Microsoft Office Suite
• Ability to exercise significant discretion and independent judgment in assessing and managing risks
• Ability to manage multiple high-priority tasks and deliver results under tight deadlines
• Demonstrated leadership or project management experience preferred

Preferred Skills:

• Successful candidates should possess a strong understanding of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), including how these functions differ from AML Transaction Monitoring and Investigations.

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

The 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 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.

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 & 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