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Senior FinCrime Risk Specialist role at TD in Toronto – 37.5 hrs/week, $96k‑$136k CAD.
Lead AML/ATF/Sanctions compliance across Payments & Open Banking, driving risk management strategies.
Location:
Toronto, Ontario, Canada
Hours:
37.5
Line of Business:
Financial Crime Risk Management
Pay Details:
$96,900 - $136,800 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:
Job Description:
The Canadian FCRM Business Oversight team is seeking a candidate interested in acting as key business oversight lead and provide expert/ specialized business guidance and 2nd line challenge and oversight to Enterprise Payments & Open Banking and Digital Strategy & Innovation business units on development, maintenance, and implementation of all aspects of AML/ATF/Sanctions/ABAC compliance programs in line with the Bank's risk appetite and strategic direction.
CUSTOMER
Provide expert/specialized regulatory compliance and prudential risk management guidance on AML/ATF /Sanctions/ABAC matters affecting covered TD businesses
Proactively advise covered TD businesses of new and changed AML/ATF/ Sanctions/ABAC regulatory and/or policy requirements and articulate the impact to their processes and controls
Contribute to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs
Guide and partner with covered TD businesses through the development, implementation, oversight, and management of effective AML/ATF/Sanctions/ABAC Compliance Programs
Escalate and manage to resolution significant issues and events
Represent FCRM on internal or external committees relating to designated business activities as required
Deliver subject matter expertise and AML/ATF/Sanctions/ABAC guidance to business management, including developing and maintaining management reporting and analysis
SHAREHOLDER
Actively assist in developing and overseeing implementation of business line policies and procedures
Collaborate with subject matter experts to develop and enhance methodologies for analyzing risk exposures of covered TD businesses
Ensure respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escape issues where appropriate
Supports the development of annual awareness training
Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues
Actively manage relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
Keep current on emerging issues, trends, and evolving regulatory requirements to and assess potential impacts
Handle inquiries/requests from Internal Audit and regulators
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
EMPLOYEE / TEAM
Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and teamwork and ensure timely communication of issues/ points of interest
Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business
Participate in personal performance management and development activities, including cross training within own team
Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
Contribute to a fair, positive, and equitable environment that supports a diverse workforce
Act as a brand ambassador for your business area/function and the bank, both internally and/or externally
BREADTH & DEPTH
Senior specialist with AML/ATF/ Sanctions/ABAC expertise, works independently and is accountable for managing a specialized AML/ATF/ Sanctions/ABAC function or area
Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates
Provides AML/ATF/ Sanctions/ABAC advice to a business as FCRM representative on a complex project or change initiative.
Provide advanced analysis and/or specialized reporting to support business partners, functional areas, or centres of expertise
Provide guidance and support to analysts on matters related to portfolio and speciality
Expert knowledge of the business and operational functions supported
Typically a subject matter expert for a key functional AML/ATF/ Sanctions/ABAC area and business requirements
Contact for business management, external/internal auditors, dealing with non-routine information
Manage / assist with regulatory reviews including inquiries, audits, and exams
Deep knowledge and understanding of businesses / technology, and organizational practices/ disciplines
Identify and lead problem resolution for project/program complex requirements related issues at all levels
Generally reports to a Senior Manager
EXPERIENCE & EDUCATION
Undergraduate degree
3+ years in second or third Line (AML, Compliance, Audit or Risk) or 1B function experience in Payments and Digital Innovations would be preferred.
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 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
Additional Information:
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
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
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.
Language Requirement (Quebec only):
Sans Objet