Senior Financial Crime Risk Analyst (4981)

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Financial Crime Risk Management

Pay Details:

$81,600 - $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:

The Senior QA Analyst is responsible for conducting independent quality assurance reviews of complex Financial Crime Risk Management activities, ensuring adherence to regulatory requirements, internal policies, procedures, and quality standards. The role provides effective challenge, identifies risks and control gaps, supports remediation efforts, and contributes to the ongoing enhancement of QA methodologies and practices across the organization. The Senior QA Analyst also serves as a subject matter expert, providing guidance, coaching, and quality insights to stakeholders and peers

CUSTOMER

Contribute to the development of team procedures and governance processes and advise FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.

Work with FCRM partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups

Conduct research, assess FCRM risks and controls, and otherwise contribute to a specialized team of FCRM compliance professionals, interacting with key stakeholders

Provide governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)

Assist FCRM team members in the use of Issues and Events system for tracking and reporting

Prepare summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program

Deliver relevant subject matter expertise and FCRM advice to business / FCRM partners

Interact with control functions within the organization

Develop and deliver training programs for applicable employees across the Bank

Conduct meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs

Prepare research, analysis, update tools and/or support training activities specific to risk assessment

Contribute to the development of processes, procedures and guidance relevant to own specific FCRM function of expertise

SHAREHOLDER

Prioritize and manage own workload to meet SLA requirements for service and productivity

Provide high quality service and advice to key business (FCRM) partners and monitor progress of initiatives, action plans, or similar activities

Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues

Deliver relevant subject matter expertise and FCRM advice to business (FCRM) partners

Participate as assigned in new or revised product initiatives, advise businesses on FCRM compliance requirements and ensure that those requirements are properly written into requirements for business projects

Participate in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices

Coordinate with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise

Ensure relevant FCRM programs align with TD corporate philosophy and strategic direction

Monitor FCRM industry developments and maintain strong knowledge of evolving regulatory requirements and assess potential impacts

Contribute to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations

Comply with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required

Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

Participate in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance

Contribute to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations

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 function

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 the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate.

Contribute to a fair, positive and equitable environment that supports a diverse workforce

Act as a brand champion for the function and the bank, both internally and/or externally

BREADTH & DEPTH

Work independently as the senior analyst / subject matter expert and may coach and educate others

Oversee and/or independently perform tasks from end to end

Apply expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance

Execute on more complex and/or non-standard requests

Research and investigates a range of operational / reporting / process issues

Recommend and implement solutions within own area of responsibility

May need to coordinate / integrate work with other areas as needed

Provide advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise

Require advanced technical / business / function knowledge for discipline supported

High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus

Represent the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization

Generally, reports to a Manager or Senior Manager Specialized FCRM

EXPERIENCE & EDUCATION

Minimum 5+ years of experience conducting Enhanced Due Diligence (EDD) reviews for High‑Risk Customers (HRC), including Politically Exposed Persons (PEPs) and high‑risk industries

Experience performing EDD/AML reviews within Capital Markets, Correspondent Banking, and/or Wholesale Banking environments is considered a strong asset

Experience in Quality Assurance, Quality Control, Audit or second-line testing functions is an asset

Understanding of Suspicious Transaction Report (STR) regulatory requirements and Reasonable Grounds to Suspect (RGS) thresholds, including experience assessing investigative conclusions and regulatory reporting decisions.

Undergraduate degree or equivalent work experience

Professional certifications such as CAMS, CFCS, or equivalent financial crime certifications are considered an asset

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 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. 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.

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.

If you’re 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 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