Financial Crime Risk Management Analyst, KYC High Risk ...

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $29.75 - $47.75 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 Analyst II role provides a range of analytical, research and assessment support to the development of and enhancements to the enterprises FCRM programs and processes. This role may interact with key stakeholders and third-party service providers to deliver AML/ATF/Sanctions/ABAC programs that satisfy regulatory requirements. Additionally, this role assists in reviewing higher risk customer or transactional information. 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 US Holdings. 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. Depth & Scope: + Experienced professional role providing specialized guidance/assistance/support to functions/FCRM teams + Independently performs activities from end-to-end + Requires advanced understanding of a range of product and services, processes, procedures, systems and concepts within their own area of specialty and integration points with related areas + Manages ambiguity, and applies judgement to identify, troubleshoot and resolve ongoing business and operational issues + Interprets and administers policies, adopts and implements business process improvements + Guided by practices, procedures and operating plans, makes process and capacity management decisions to ensure ongoing operations + Moderate level of complexity in operational / reporting / process and/or analysis function requiring a short to medium term focus Education & Experience: + Undergraduate degree or equivalent work experience + 3+ years experience Preferred Qualifications: + ACAMS Certification + 3+ years experience in a KYC or EDD role + Strong knowledge of AML KYC and Enhanced Due Diligence (EDD) processes and regulations + Strong written skills + Adaptable, detail orientated and flexible + Strong interpersonal skills Customer Accountabilities: + Provides FCRM research, evaluation, operational, reporting and/or analytical support in oversight, advisory services and control function to business (FCRM) partners, in a timely manner + Co-ordinates requests to and from, business (FCRM) partners + Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders + Recommends responses to enterprise FCRM Program questions and immediately escalates any sensitive issues according to departmental procedures + Analyzes data and draws conclusions to meet program health reporting requirements + Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify FCRM- related gaps, issues and enhancements + Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate + Coordinates tracking and reporting of FCRM function initiatives and programs Shareholder Accountabilities: + Prioritizes and manages own workload to meet SLA requirements for service and productivity + Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate + Protects the interests of the organization u2013 identifies and manages risks, and escalates non-standard, high-risk transactions / activities as necessary + Acquires and applies expertise in the FCRM discipline, provides guidance, assistance and direction to other FCRM partners + Identifies, recommends and effectively executes standard practices applicable to the FCRM discipline + Keeps abreast of emerging issues, trends, and evolving regulatory requirements + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite + Adheres to internal policies / procedures and applicable regulatory guidelines + Coordinates with other FCRM partners and compliance partners to ensure consistence in the application of FCRM 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 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 function and the bank, both internally and/or externally + Grows knowledge of the business, related tools and techniques Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel u2013 Occasional + International Travel u2013 Never + Performing sedentary work u2013 Continuous + Performing multiple tasks u2013 Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds u2013 Occasional + Sitting u2013 Continuous + Standing u2013 Occasional + Walking u2013 Occasional + Moving safely in confined spaces u2013 Occasional + Lifting/Carrying (under 25 lbs.) u2013 Occasional + Lifting/Carrying (over 25 lbs.) u2013 Never + Squatting u2013 Occasional + Bending u2013 Occasional + Kneeling u2013 Never + Crawling u2013 Never + Climbing u2013 Never + Reaching overhead u2013 Never + Reaching forward u2013 Occasional + Pushing u2013 Never + Pulling u2013 Never + Twisting u2013 Never + Concentrating for long periods of time u2013 Continuous + Applying common sense to deal with problems involving standardized situations u2013 Continuous + Reading, writing and comprehending instructions u2013 Continuous + Adding, subtracting, multiplying and dividing u2013 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: Weu2019re delighted that youu2019re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, weu2019re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If youu2019re interested in a specific career path or are looking to build certain skills, we want to help you succeed. Youu2019ll 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 youu2019re 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 youu2019ve got everything you need to succeed in your new role. Interview Process Weu2019ll 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 . 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.

Created: 2026-03-12