Senior Analyst, Financial Crimes Transaction Screening Capabilities and Oversight

Work Location:
New York, New York, United States of America

Hours:
40

Pay Details:
$72,280.00 - $117,520.00 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 Senior Financial Crime Risk Business Oversight Analyst provides a range of research, guidance, and business oversight to assigned portfolio, business, or function to ensure that strong AML/ATF/Sanctions/ABAC controls and processes are in effect to mitigate inherent associated risks. Contributes to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs related to all aspects of AML and ATF laws.

Dept. Overview:

This is a newly established team within FCRM and will be responsible for the ongoing operations of the bank's transaction screening systems, primarily of the Fircosoft Continuity Platform. This team will work closely with Sanctions, Payment Operations, Global Technology Services, FCRM Model Development and Analytics, Model Oversight and Busines Intelligence, Model Risk Management, and other stakeholders to ensure that the transactions screening processes are executed accurately and in line with applicable sanctions regulations, internal policies, and the bank's risk appetite. Primary responsibilities include:

• Day to day operations of the Fircosoft Continuity platform, including screening flows, thresholds and system health
• Provide Oversight and Execute appropriate testing and tuning of system configurations
• Identify screening rules, scenarios or configurations that generate excessive false alerts through metrics. Develop, test, and implement rule logic within Fircosoft Continuity.
• Produce operations metrics, maintain procedures and documentation, and support internal audits, model reviews and regulatory examinations related to transaction screening operations.
• Provide oversight of Trade Finance Screening of parties and payments in Fircosoft Continuity
• Provide oversight and develop solutions for Prohibited Securities Controls
• Evolving regulatory expectations
• Working on understanding legacy systems, data and architecture

Depth & Scope:

• Specialist level professional role requiring in-depth knowledge/expertise in AML/ATF/Sanctions/ABAC and working knowledge of broader related areas
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas, or centers of expertise
• Provides AML/ATF/Sanctions/ABAC advice to a business as FCRM representative on a straightforward project or change initiative
• Integrates the broader organizational context into advice and solutions within the AML/ATF/Sanctions/ABAC area
• Understands the industry, competition and the factors that differentiate the organization
• Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs
• Contact for business management, external/internal auditors, dealing with non-routine information
• Recommends and implements solutions within own area of responsibility
• May need to coordinate/integrate work with other areas as needed
• Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree or equivalent work experience
• 5+ years experience

Preferred Skills:

• Understanding of transactions screening and sanctions frameworks
• Familiarity with regulatory guidance, enforcement actions and exam focus areas related to screening effectiveness and governance
• Working knowledge of Fircosoft Continuity or similar transaction screening platforms, including rule logic, rule testing, thresholds, name matching, etc.
• Hands-on involvement in system enhancements, tuning exercises or migrations
• Ability to identify high false positive rules or patters and develop data driven recommendations for optimization.
• Experience using data analytics tools (e.g., SQL, Excel, Python, Tableau, etc.) to analyze alert trends, rule performance, etc.
• Leadership behaviors
• End-to-end ownership of assigned capabilities, issues or initiatives
• Licenses/Certifications (Preferred): CAMS, CGSS, CFCS, Data or analytical credentials (SQL, Python exposure).

Customer Accountabilities:

• Provides guidance on day-to-day AML/ATF/Sanctions/ABAC matters affecting the business based on regulatory compliance requirements and industry best practice, including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing
• Provides/Executes skilled AML/ATF/Sanctions/ABAC research, risk assessment, reporting and/or analytical support in a timely manner
• Assists/Partners in the development and implementation of appropriate AML/ATF/Sanctions/ABAC policies, processes, and controls
• Supports the facilitation of periodic AML/ATF/Sanctions/ABAC risk and self-assessment activities for designated business using TD's enterprise AML/ATF/Sanctions/ABAC risk assessment framework
• Ensures that assessments (monitoring, risk assessment etc.) are completed and communicated in a dynamic and timely fashion
• Handles matters escalated for the identification of suspicious activity, or identified through the Enhanced Due Diligence process in accordance with established processes and protocols, and assists in ensuring that the business takes appropriate steps to address those activities and customers
• Works collaboratively with business and control partners within the organization
• Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products
• Proactively identifies matters which require additional attention and presents objective and independent opinion on the adequacy of AML/ATF/Sanctions/ABAC processes and controls and opportunities to enhance those controls
• Presents objective and independent opinions on the adequacy of AML/ATF/Sanctions/ABAC processes and controls in accordance with regulatory and internal requirements, and liaises with the appropriate FCRM and business partners to resolve

Shareholder Accountabilities:

• Reviews and provides feedback on business line policies and procedures
• Analyzes AML/ATF/Sanctions/ABAC compliance requirements and ensures they are properly written into requirements for business projects and approved at the appropriate levels
• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate
• Analyzes risk exposure characteristics for assigned portfolio in accordance with established processes or procedures, making recommendations for enhancements or changes based on changes in the regulatory environment or business processes
• Works with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations
• Keeps current on emerging issues, trends, and evolving regulatory requirements in the AML/ATF/Sanctions/ABAC industry and assesses potential impacts
• Coordinates with other AML/ATF/Sanctions/ABAC partners and business compliance partners to ensure consistency in the application of AML/ATF/Sanctions/ABAC programs and standards across the enterprise
• Protects the interests of the organization - identifies and manages risks, and ensures the prompt analysis and escalation of non-standard, high-risk issues, monitoring to thorough resolution
• Acquires and applies expertise in the AML/ATF/Sanctions/ABAC disciplines, providing basic guidance and direction to business and other FCRM partners

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
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business
• Participates in personal performance management and development activities, including cross training within own team
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
• Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive, and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/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.

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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 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. 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

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.