Senior Financial Crime Risk Investigator - PEP QC (1971)

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Financial Crime Risk Management

Pay Details:
$76,800 - $115,200 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:

• PEP Quality Control ("QC") Specialist will work to ensure high quality standards are maintained for PEP and Enhanced Due Diligence (EDD) casework conducted by our PEP Investigators. The QC Specialist will review cases for adherence to EDD procedures and ensure investigator conclusions are clear, complete and supported by the information in the file. The QC specialist will also identify and escalate critical issues to investigator/Group Manager. The QC Specialist will decrease regulatory and reputational risk by exercising sound judgment in approving/rejecting submitted cases. The QC Specialist operates in a team environment and has regular interaction with Business, Operations and AML Advisory Teams.

CUSTOMER

• Maintains AML standards and procedures and recommends changes and/or alternative for process improvement.
• Reviews all PEP cases completed by PEP investigators to ensure that the appropriate decision/recommendation has been made according to the department standards. The QC Specialist must also ensure that the appropriate supporting documentation is obtained, and that any decision made by a PEP Investigator is appropriately supported and documented in accordance with TD established AML Standard.
• Evaluates completed PEP case work and evaluate KYC profiles to ensure that it meets regulatory requirements as well as adheres to TD's internal policies and procedures.
• Communicates any errors/discrepancies found to the appropriate management and PEP investigator and ensure that the corrective action is taken.
• Generate related reports, including findings and trends to management.
• Maintains knowledge of developments in the area of PCMLTFA/FINTRAC as it relates to TD Procedures/Standards.
• Maintains QC standards and procedures, including risk-based standards for compliance testing and enters quality control findings into a QC database accurately in a timely manner.

SHAREHOLDER

• Lead work stream by acting as a project lead for large or complex projects/initiatives in accordance with project management methodologies.
• Evaluate the effectiveness of processes/services and recommend/champion possible enhancements.
• Recommend improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders.
• Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs.
• Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience.
• Adhere to enterprise frameworks or methodologies that relate to activities for respective business area(s).
• Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist.
• Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate.
• Protect the interests of the organization - identify and manage risks and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues.
• Run analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices.
• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
• 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.
• Share industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit.
• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques.
• Participate in personal performance management and development activities, including cross training within own team.
• Keep 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.
• 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:

• Conduct quality checks on PEP cases ranging from simple to complex in nature.
• Sound knowledge of Bank products, systems, policies and procedures.
• Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends.
• Manages programs/projects/ initiatives of low to moderate scope and complexity.
• Expert level professional role requiring in-depth knowledge/ expertise in own field of specialty and working knowledge of broader related areas.
• Integrates the broader organizational context into advice and solutions within own area.
• Understands the industry, competition and the factors that differentiate the organization.
• Impacts a range of functional programs across own and related teams.
• Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels.
• Builds stakeholder alignment in leading projects and activities.
• Works independently as the senior technical lead and guides others within area of expertise.
• Identifies and leads problem resolution for complex issues at all levels.
• Generally, reports to a Group Manager/Senior Manager.

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or relevant professional certifications, designations, or equivalent required
• 5+ years relevant experience

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.

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