TD Bank
Financial Crime Risk Senior Investigator - Intelligence & Emerging Risk Investi
TD Bank, Mount Laurel, New Jersey, United States, 08054
Financial Crime Risk Senior Investigator
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 Financial Crime Risk Senior Investigator conducts complex investigations into potential money laundering, terrorist financing, and other financial crimes, including insider-risk matters. This role requires a deep understanding of AML regulations, strong writing and analytical skills, and the ability to work collaboratively with internal and external stakeholders. 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: Undergraduate degree in Finance, Accounting, Criminal Justice, or a related field, preferred. Relevant certifications (e.g., CAMS, CFE). Strong knowledge of financial crime typologies and AML regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements. Experience leading or supporting investigative projects; strong project management skills a plus. Experience leveraging data analytics to identify trends, anomalies, or support investigative findings related to financial crimes. Strong analytical and problem-solving skills. Ability to work independently and as part of a team, with a high level of integrity and attention to detail. Excellent written and verbal communication skills, with the ability to present findings clearly and concisely. 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 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
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 Financial Crime Risk Senior Investigator conducts complex investigations into potential money laundering, terrorist financing, and other financial crimes, including insider-risk matters. This role requires a deep understanding of AML regulations, strong writing and analytical skills, and the ability to work collaboratively with internal and external stakeholders. 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: Undergraduate degree in Finance, Accounting, Criminal Justice, or a related field, preferred. Relevant certifications (e.g., CAMS, CFE). Strong knowledge of financial crime typologies and AML regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements. Experience leading or supporting investigative projects; strong project management skills a plus. Experience leveraging data analytics to identify trends, anomalies, or support investigative findings related to financial crimes. Strong analytical and problem-solving skills. Ability to work independently and as part of a team, with a high level of integrity and attention to detail. Excellent written and verbal communication skills, with the ability to present findings clearly and concisely. 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 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