Work Location:

New York, New York, United States of America

Hours:

40

Pay Details:

$91,000 - $145,600 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:

The Financial Crime Risk Specialist – Customer Risk Analyst Analysis, Data Framework Analyst will help to support the development and management of Customer Risk Rating (CRR) Framework Documentation and Methodologies. This incumbent will help to support, maintain and enhance customer risk rating methodologies to ensure alignment with regulatory expectations and enterprise standards. Additionally, the employee will help management maintain CRR reference lists (e.g., Geographic, Occupation Type, Industry Type, Products and Services, etc.), including conducting periodic reviews, validating data integrity, and coordinating updates with business partners. Employees in this department help to support periodic control testing, effectiveness reviews and data quality assessments to ensure adherence to CRR standards as well as participate in initiatives to optimize CRR processes, enhance automation opportunities, and strengthen operational efficiency.

The Financial Crime Risk Specialist role develops and maintains TD’s AML/ATF/Sanctions/ABAC programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting and/or escalation of issues. This role conducts periodic and event driven reviews of customers, including targeted reviews to assess risks. Additionally, this role supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc.

Our team currently operates under a primarily offsite work model; employees must be available to come into a TD location for "moments that matter" at a frequency determined by the business. Please note that this position requires the candidate to live within 50 miles of the closest identified TD location, and relocation would be at your own expense.

Depth & Scope:

Highly seasoned professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas

Integrates knowledge of the sub-functions overarching strategy in developing solutions across multiple functions or operations

Interprets internal / external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services

Acts as a technical expert / lead integrating cross-function understanding within their own field of specialty

Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity

Independently manages end-to-end functional programs

Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions

Uses sophisticated analytical thought to exercise judgement and identify solutions

Impacts the achievement of sub-function or business line objectives within the area they are accountable for

Work is guided by policies and industry standards/methods

Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders

Works autonomously as the lead and guides others within area of expertise

Education & Experience:

Undergraduate degree or equivalent work experience 

7+ years experience

Preferred Skills:

5 years of relevant experience

University degree is preferred and CAMS preferred

Dedicated experience in Risk Management, Compliance or AML

Strong Microsoft Excel Capabilities Managing, Cleaning and analyzing Large Data Sets

Experience in AI tools including Copilot would be an asset

Customer Accountabilities:

Leads the development of team procedures and governance processes and advises FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.

Works with FCRM partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups

Conducts research, assesses FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholders

Provides governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)

Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program

Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required

Delivers relevant subject matter expertise and FCRM advice to business / FCRM partners

Interacts with control functions within the organization

Develops and delivers training programs for applicable employees across the Bank

Conducts meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs

Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment

Leads development of processes, procedures and guidance relevant to own specific FCRM function of expertise

Shareholder Accountabilities:

Provides high quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activities

Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues

Delivers relevant subject matter expertise and FCRM advice to business (FCRM) partners

Leads new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projects

Participates in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices

Coordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise

Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction

Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts

Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations

Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements

Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations

Complies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required

Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance

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 ensure timely communication of issues / points of interest

Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit

Shares knowledge of the business, related tools and techniques

Leads or 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 assisting others in the completion and performance of work activities, provides 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 the 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

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
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.