About this role
Work Location: New York, New York, United States of America
Hours: 40
Pay Details: $72,280 - $117,520 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:
Department Overview: The Senior Financial Crime Risk Analyst (Sanctions and Anti-bribery/anti-corruption) must have strong analytical skills, strong reading comprehension and writing skills, the ability to synthesize large amounts of information and clearly communicate what matters and have a strong understanding of the U.S. regulatory environment, particularly the ability to intake and assess U.S. regulatory notifications. Experience must be in financial crime, sanctions and regulatory/compliance experience, rather than broad banking experience.
The successful candidate should:
Be able to absorb and process information quickly.Distill complex information into key points.Communicate clearly.Collaborate effectively-the role is not siloed.Adapt to ad hoc requests and changing priorities.Be comfortable working with a geographically distributed team.Participate in the weekly team meeting.Ideally be willing to travel to Toronto occasionally. The Senior Financial Crime Risk Analyst - Sanctions contributes to the development, oversight, and implementation of TD's sanctions compliance programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting, and escalation of sanctions-related issues. Conducts periodic and event-driven reviews for sanctions risks of customers and transactions, including targeted assessments. Supports management in delivering initiatives related to sanctions risk assessment, regulatory exam preparation, and internal/external audit support.
Depth & Scope:
Works independently as the senior analyst/subject matter expert in sanctions compliance and coaches and educates others on regulatory requirements and best practicesOversees and/or independently performs end-to-end sanctions screening and escalation processes, ensuring adherence to global standardsApplies expert knowledge of sanctions regulations, business operations, products, services, and operating standards to drive unit or team performance and mitigate riskExecutes on more complex and/or non-standard sanctions-related requests, including high-risk reviews and regulatory reportingResearches and investigates a range of sanctions alerts, operational issues, and process gaps, ensuring timely resolution and complianceRecommends and implements solutions within own area of responsibility to strengthen sanctions controls and governance frameworksCoordinates and integrates work with other areas such as AML, FCRM, and Legal as needed to ensure holistic risk managementProvides advanced analysis and/or specialized reporting on sanctions metrics, trends, and regulatory adherence to support business partners and centers of expertiseRequires advanced technical and regulatory knowledge of global sanctions regimes and screening systems for discipline supportedManages high complexity in operational, reporting, and process analysis functions with a medium- to longer-term focus on sanctions compliance enhancementsRepresents the group as the lead or subject matter expert on sanctions-related projects, regulatory initiatives, and cross-border governance meetings Education & Experience:
Undergraduate DegreeAdvanced degree, professional accreditation, and/or 5+ years Customer Accountabilities:
Develops and implements team procedures and governance processes for sanctions compliance and analyzes and advises stakeholders and teams of changes and enhancements to enterprise sanctions programs and requirements, including their impact across the organizationCollaborates with and influences partners and senior stakeholders in related groups (such as Compliance, Legal, and Risk) to support the creation of documentation and reports required by external regulatory bodies and TD internal groups for sanctions complianceLeads research and assessment of sanctions risks and controls and contributes to a specialized team of sanctions compliance professionals, interacting with key stakeholdersProvides governance oversight through management of sanctions policy and training exemption governance and reporting processes to the Senior Executive Team and related sub-committeesProvides strategic guidance to team members in the use of issues and events systems for tracking and reporting sanctions-related mattersPrepares summaries, presentations, briefing notes, and other documentation to effectively report on the status of the sanctions compliance programDelivers relevant subject matter expertise and sanctions compliance advice to business partnersInteracts with control functions within the organization to ensure effective sanctions oversightDevelops and delivers sanctions training programs for applicable employees across the BankConducts meaningful research, analysis, and assessment of sanctions program activities at the functional level, using results to draw conclusions, make recommendations, and assess the effectiveness of enterprise sanctions programsPrepares research, analysis, updates tools, and supports training activities specific to sanctions risk assessmentContributes to the development of processes, procedures, and guidance relevant to sanctions compliance Shareholder Accountabilities:
Prioritizes and manages own workload to meet SLA requirements for service and productivityProvides high-quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activitiesProtects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issuesDelivers relevant subject matter expertise and FCRM advice to business (FCRM) partnersParticipates as assigned in new or revised product initiatives; advises businesses on FCRM compliance requirements and ensures those requirements are properly written into requirements for business projectsParticipates in FCRM-level projects as needed to facilitate and oversee changes to FCRM processes, systems, or practicesCoordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterpriseEnsures relevant FCRM programs align with TD corporate philosophy and strategic directionMonitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impactsContributes to cross-functional/enterprise initiatives as an organizational or subject matter expert, helping to identify risk and providing guidance for complex situationsComplies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as requiredMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteParticipates in responding to periodic exams/audits by regulatory bodies and Internal Audit to determine level of BSA/FCRM complianceContributes to cross-functional/enterprise initiatives as an organizational or subject matter expert, helping to identify risk and providing guidance for complex situations 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 interestShares industry knowledge for own area of expertise and participates in knowledge transfer within the team and functionGrows knowledge of the business, related tools, and techniquesParticipates in personal performance management and development activities, including cross-training within own teamKeeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriateContributes to a fair, positive, and equitable environment that supports a diverse workforceActs as a brand champion for the function and the bank, both internally and/or externally Preferred Experience
Understanding of financial institutions and how legislation applies to their U.S. businesses.Experience with financial-crime-related legislation.Sanctions experience is preferred.Familiarity with anti-bribery/anti-corruption legislation, including the FCPA, would be valuable.General regulatory experience is still useful if the candidate lacks direct sanctions/FCPA experience.Experience advising business partners on regulatory or sanctions-related matters would be helpful. Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel - OccasionalInternational Travel - NeverPerforming sedentary work - ContinuousPerforming multiple tasks - ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds - OccasionalSitting - ContinuousStanding - OccasionalWalking - OccasionalMoving safely in confined spaces - OccasionalLifting/Carrying (under 25 lbs.) - OccasionalLifting/Carrying (over 25 lbs.) - NeverSquatting - OccasionalBending - OccasionalKneeling - NeverCrawling - NeverClimbing - NeverReaching overhead - NeverReaching forward - OccasionalPushing - NeverPulling - NeverTwisting - NeverConcentrating for long periods of time - ContinuousApplying common sense to deal with problems involving standardized situations - ContinuousReading, writing and comprehending instructions - ContinuousAdding, 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 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 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.
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
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 [email protected]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.