TD Bank
Financial Crime Risk Senior Investigator - Specialized Investigations
TD Bank, Greenville, South Carolina, United States, 29601
Work Location:
Greenville, South Carolina, United States of America Hours:
40 Pay Details:
$68,640 - $112,320 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:
FCRM Investigations is responsible for investigations of complex anti-money laundering, counter-terrorism finance, and insider risk matters resulting from law enforcement referrals, proactive initiatives, 314a/314b, and internal referrals. The Senior AML Financial Crime Risk Investigator conducts holistic reviews of client relationships; assesses risks related to Sanctions, Anti-Bribery and Anti-Corruption, Fraud, and Insider Threat; analyzes complex data sets to proactively identify leads; prepares suspicious activity reports (SARs); recommends demarketing clients, as appropriate; and creates supporting documentation in compliance with policies, procedures, and regulatory requirements. To be successful in the Senior AML Financial Crime Risk Investigator role, an individual should possess a strong understanding of money laundering/terrorism finance risks, be a critical thinker with the ability to analyze customer and transactional data, and possess strong writing skills and attention to detail. The Financial Crime Risk Senior Investigator conducts end to end investigations of various higher complexity and sensitivity through analysis of evidence gathered for both internal and external investigations. Includes authority in applying reasonable grounds to suspect money laundering/terrorist financing, mitigating, and disrupting financial crime (recommending for demarket and/or freezing accounts by the appropriate investigative unit). Depth & Scope:
Investigate criminal 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 Education & Experience:
Undergraduate degree or equivalent work experience 5+ years of experience Preferred Skills:
2+ years working in a role dedicated to conducting complex money laundering investigations either in a law enforcement agency or a financial institution Experience in writing and/or reviewing Suspicious Activity Reports Knowledge of criminal investigative techniques Knowledge of financial industry products, policies, and procedures Customer Accountabilities:
Conducts a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime Applies sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats Assesses and prioritizes files and investigates assigned cases ensuring proper protocols are in place and effectively applied Works effectively with counterparts at other FI's, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure Conducts investigations in a professional and timely manner Identifies and communicates procedural weaknesses to businesses Identifies industry and typologies risk and trends for respective program areas and shares knowledge with appropriate stakeholders Maintains and establishes working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes Applies sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate Shareholder Accountabilities:
Leads workstream by acting as a project lead for large or complex projects/initiatives in accordance with project management methodologies Evaluates the effectiveness of processes/services and recommends/champions possible enhancements Recommends improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders Plans and delivers efficient and cost-effective processes that support and promote the implementation of programs Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s) Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues Runs analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite 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 Shares industry knowledge for own area of expertise 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 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
Greenville, South Carolina, United States of America Hours:
40 Pay Details:
$68,640 - $112,320 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:
FCRM Investigations is responsible for investigations of complex anti-money laundering, counter-terrorism finance, and insider risk matters resulting from law enforcement referrals, proactive initiatives, 314a/314b, and internal referrals. The Senior AML Financial Crime Risk Investigator conducts holistic reviews of client relationships; assesses risks related to Sanctions, Anti-Bribery and Anti-Corruption, Fraud, and Insider Threat; analyzes complex data sets to proactively identify leads; prepares suspicious activity reports (SARs); recommends demarketing clients, as appropriate; and creates supporting documentation in compliance with policies, procedures, and regulatory requirements. To be successful in the Senior AML Financial Crime Risk Investigator role, an individual should possess a strong understanding of money laundering/terrorism finance risks, be a critical thinker with the ability to analyze customer and transactional data, and possess strong writing skills and attention to detail. The Financial Crime Risk Senior Investigator conducts end to end investigations of various higher complexity and sensitivity through analysis of evidence gathered for both internal and external investigations. Includes authority in applying reasonable grounds to suspect money laundering/terrorist financing, mitigating, and disrupting financial crime (recommending for demarket and/or freezing accounts by the appropriate investigative unit). Depth & Scope:
Investigate criminal 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 Education & Experience:
Undergraduate degree or equivalent work experience 5+ years of experience Preferred Skills:
2+ years working in a role dedicated to conducting complex money laundering investigations either in a law enforcement agency or a financial institution Experience in writing and/or reviewing Suspicious Activity Reports Knowledge of criminal investigative techniques Knowledge of financial industry products, policies, and procedures Customer Accountabilities:
Conducts a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime Applies sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats Assesses and prioritizes files and investigates assigned cases ensuring proper protocols are in place and effectively applied Works effectively with counterparts at other FI's, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure Conducts investigations in a professional and timely manner Identifies and communicates procedural weaknesses to businesses Identifies industry and typologies risk and trends for respective program areas and shares knowledge with appropriate stakeholders Maintains and establishes working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes Applies sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate Shareholder Accountabilities:
Leads workstream by acting as a project lead for large or complex projects/initiatives in accordance with project management methodologies Evaluates the effectiveness of processes/services and recommends/champions possible enhancements Recommends improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders Plans and delivers efficient and cost-effective processes that support and promote the implementation of programs Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience Adheres to enterprise frameworks or methodologies that relate to activities for respective business area(s) Monitors service, productivity and assesses efficiency levels within own function and implements continuous process/performance improvements where opportunities exist Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues Runs analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practices Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite 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 Shares industry knowledge for own area of expertise 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 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