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About the Role

The Financial Crime Risk Investigator II conducts investigations of moderate complexity for both internal and external cases, recommending account demarket and/or freezing. This role applies reasonable grounds to suspect money laundering and terrorist financing, and may provide QA/review and mentorship.

Responsibilities

• Conducts investigative analysis by collecting, assessing, and collating case file information for AML, Sanctions/ABAC & Financial Crime investigations.
• Conducts data analysis, manipulation and interpretation looking for patterns and anomalies.
• Initiates investigations and/or responds to emerging AML and Sanctions/ABAC risks.
• Assists with reviewing and investigating court orders (subpoenas) related to criminal actions.
• Assists and coordinates investigations with various law enforcement agencies as delegated.
• Prepares and delivers AML, Sanctions/ABAC & Financial Crime and/or fraud detection/loss prevention training or updates to Bank Employees or other agencies as assigned.
• Leads workstreams by acting as a project lead for medium scale projects/initiatives in accordance with project management methodologies.
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate.
• Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices.
• Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area.
• Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary.
• Maintains appropriate project records, databases, and information; reports to management and others on project status and updates.
• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist.
• Acquires and applies expertise in the discipline, provides guidance, assistance, and direction to Analysts, Investigators and others.
• Identifies, recommends, and effectively executes standard practices applicable to the discipline.
• Adheres to internal policies/procedures and applicable regulatory guidelines.
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts.
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.
• 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 business area/function and the bank, both internally and/or externally.

Requirements

• Requires experienced, conceptual, and practical knowledge within respective area and knowledge of broader related areas.
• Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area.
• Leads projects or work streams within broader projects with moderate risk and may be accountable for ongoing activities, processes, and functional programs.
• Works within broad guidelines/policies and independently performs tasks from end to end.
• Work performed under minimal management guidance and supervision.
• Must live within 50 miles of the closest identified TD location.
• Relocation would be at your own expense.

Skills

• Prior AML (Anti-Money Laundering) investigations experience, within a financial institution or regulatory environment.
• Strong knowledge of Suspicious Activity Reports, Bank Secrecy Act, and other relevant AML regulations.
• Familiarity with current AML typologies and emerging financial crime trends in the banking sector.
• Experience working in federal law enforcement or financial crime units.
• Strong written and oral communication skills with an emphasis on investigative and stakeholder reporting.

Location

• Mount Laurel, New Jersey, United States of America

Work Type

• Offsite work model
• Full-time

Experience Level

• 3+ years experience

Education Level

• Undergraduate degree or equivalent work experience
• Undergraduate degree preferred

Salary/Compensations

• $29.75 - $47.75 USD

Benefits

• 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
• Reward and recognition
• Training and onboarding sessions
• Online learning platform
• Mentoring programs

About the Company

• 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.

Equal Opportunity

• 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 need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.