**Work Location:** Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $28.25 - $45.00 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. **Line of Business:** Financial Crime Risk Management **Job Description:** Financial Crime Risk Management Testing team (FCRM) is responsible for maintaining a dynamic, risk-based, independent testing process to periodically review the design and operating effectiveness of key business and function processes and controls to identify potential risks, assess weaknesses and gaps with TD's policies, procedures, and expectations or non-compliance with key laws and regulatory requirements. Testing teams implement consistent and standardized testing methodology to evaluate the effectiveness of processes and controls in place and identify issues of varying severity levels. The Testing Team staff are objective and independent of FCRM Program execution activities and are responsible for developing and executing an Annual Test Plan that is comprised of mandatory and risk-based testing of financial crime risks owned by the first and second lines of defense. The Financial Crime Risk Management Testing team is responsible for testing all Bank programs that aim to facilitate compliance with anti-money laundering, anti-terrorist financing, Anti-Bribery and corruption, and sanctions laws and regulations. Key areas of coverage within these programs include, but are not limited to the following activities and controls: - Policy & Governance / Training - Risk Assessment Framework - Know Your Customer (KYC) / Customer Identification Program (CIP) - Screening (e.g., Sanctions, PEP, CRB, etc.) - Transaction Monitoring - Alert Review & Investigations - Reporting - Data & Technology - Program Management. Testing team is responsible for the identification of issues and the risk owner is responsible for the remediation of issues identified in-line with Bank standards. The Testing team advises on the appropriateness of remedial actions taken and reviews for appropriate closure of the issue after remediation and validation activities. The business or function is also responsible for managing their risks and actions in the system and tracking the closure of the remedial actions in collaboration with FCRM The FCRM Testing Analyst II assists in the independent testing of FCRM controls / systems for assigned businesses and operations units across the Bank which address AML/ATF, Sanctions, and ABAC risks. This role follows guidance to complete tasks throughout the testing lifecycle. **Depth & Scope:** + Supports the execution of testing review in accordance with established standards to achieve completion within targeted timelines + Completes documentation for the various activities within a review + Requires working professional level knowledge of the functional area and/or business areas supported and applicable regulatory requirements + Knowledge of testing for design and operating effectiveness of processes and controls for financial crimes risks + Independently perform specific tasks from end-to-end, assigned by the review owner or team lead **Education & Experience:** + Undergraduate degree or equivalent work experience + 3+ years experience **Preferred Skills:** + Good communication and written skills + Knowledge of Anti-Money Laundering (AML) and related regulations + Understanding of testing methodology + Knowledge of controls, how they work and how they mitigate risk **Customer Accountabilities:** + Supports execution of testing engagement work in accordance with established standards to achieve completion within targeted timelines + Conducts skilled analytical research and analysis as part of the testing review + Works collaboratively with FCRM Testing team throughout the testing review + Supports follow-up of findings raised from testing reviews in accordance with established standards + Through the execution of testing responsibilities, proactively identifies matters which require additional attention, further escalation, or review **Shareholder Accountabilities:** + Prioritizes and manages own workload to deliver quality results and meet assigned timelines + Contributes to the analysis, due diligence, and implementation of initiatives within defined assignments + Adheres to internal policies, standards and procedures, methodologies, and applicable regulatory requirements to contribute to the review of internal processes and activities + Understands the operations of the business unit/area being tested and to identify potential FCRM risks through testing activities + Clearly and concisely documents research as required to understand requirements specific to a review + Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions + Maintains a culture of risk management and control supported through FCRM testing **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 testing and FCRM and participates in knowledge sharing within the team + Keeps current on emerging trends / developments and grows knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, 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 + Contributes to a fair, positive and equitable environment that supports a diverse workforce **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 + 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you. **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 (http://hrportal.ehr.com/tdtotalrewards) **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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals. **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** We’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. **Accommodation** 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. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.