**Role Type:** Internship/Co-op **Work Term:** Summer/Term 3 **Work Location:** Toronto, Ontario, Canada **Hours:** 37.5 **Pay Details:** $45,700 - $74,400 CAD 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. **Job Description:** DEPARTMENT OVERVIEW Co-op and Internship opportunities allow you to gain valuable work experience across a number of the businesses at TD. You will work with experienced colleagues, receive world class training, and be part of a community of students across TD, where you will have an impact, grow as individual and experience our culture of care. Our Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features: + Leadership talks with key Leaders from across the organization + Lunch andLearnson topics such as Innovation + Diversity and Inclusion and Personal Branding and so much more 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. The Financial Crimes Risk Management (FCRM) Know Your Customer (KYC) Program Team is responsible for the establishment and ongoing oversight of an effective KYC Program for TD Bank. The KYC Program Team is tasked with setting consistent requirements for the bank to reasonably 'know its customers' and evaluate the risks associated with a customer relationship throughout the customer lifecycle. The primary responsibility of the KYC High Risk Reviews team is to execute enhanced due diligence (EDD) reviews for high-risk customers at the bank. The team is responsible for managing procedures and escalations related to high-risk customers, including analysis of customer behavior and activity of concern, in compliance with KYC policy and regulatory requirements. The team engages with the 1st line of defense on the outcomes of EDD reviews, management of issues, and guidance related to high-risk customer types and associated activity. JOB DESCRIPTION + Depth & Scope:Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers atonboarding, periodic review, and event driven reviews, ensuring compliance with internalpolicies and external regulations + Reviews customer risk factors/indicators, and acts as a subject matter expert to understandand assess the identified customer risk and how it relates to the Bank products/services tofurtherdetermineif those risks can be mitigated + Responsible for documenting the assessment and providing a recommendation based onthe independent analysis tomaintainand/or onboard the customer + Evaluates and assesses customers' source of funds, business activities, ownershipstructures, and other risk factors + Reviews, assesses, and analyzes customer transactional activity todetermineifcustomer'sactivity 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 relatedto high-risk customer types and associated activity + Ensures adherence to AML regulations + Proactivelyidentifiestrends and emerging risks in high-risk customer profiles, escalatesissuesandrecommendscontrols or mitigation measures + Maintains up-to-date knowledge of regulatory changes and industry best practices, applyingthisexpertiseto enhance the KYC program + Prepares detailed, well-documented EDD risk assessment narratives and provide riskrecommendations to support decision-making for senior management and regulators + Provides data-driven insights and recommendations for process improvements, ensuring theeffectiveness of the high-risk customer review process + Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financialcrime risk management frameworks + Serves as a subject matter expert (SME) on KYC and EDD processes for high-riskcustomerreviews, providing training and guidance to junior analysts or team members + Representsthe Financial Crime Risk Management team during internal and external auditsor regulatory examinations + Leads projects or initiatives focused on enhancing the bank's high-risk customer reviewprocesses and risk mitigation strategies + Utilizes independent judgment to develop and implement policies, procedures, and bestpractices for high-risk customer management + Supports the Group Manager byassistingwithday to daytasks and acting as a delegate asneeded JOB REQUIREMENTS We’re proud to work with a group of diverse colleagues. If you have relevant experience that isn’t mentioned below, tell us about it in your resume or cover letter. + Currentlyenrolled inanundergraduate degreein Finance, Accounting, Analytics, Data,Business/Commerceor relatedfield + Must be enrolled in an undergraduate degree with the intent of going back to school atthe start of your work term(requirement of all co-op/intern positions) + Demonstratedexpertisein 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 complexfindings to stakeholders + Proficiencyin Microsoft Office Suite + Ability to exercise significant discretion and independent judgment in assessing andmanaging risks + Ability to manage multiple high-priority tasks and deliver results under tight deadlines + Demonstrated leadership or project management experience preferred ADDITIONAL INFORMATION + This position is a 4-month work term and willcommenceMay 4thuntil August 21st2026. + Applications must include a transcript, cover letter (one letter-sized page or less) and a resume (maximum of 2 pages). + We welcome all applications; however, we will only contact qualified candidates chosen for an interview. Thank you for your interest. + TD requires employees toresidein the country where the role islocated, irrespective of remote working arrangements + TD is committed to providing you with the best candidate experience and internship in these unique circumstances. As such, work location and start dates are subject to change. 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 and Onboarding** We’ll provide in-person 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. **HOURS** Monday-Friday, standard business hours **INCLUSIVENESS** At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs. **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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td) **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. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements. **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** Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you! **Language Requirement (Quebec only):** Sans Objet Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.