Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$91,000 - $145,600 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:

As a Financial Crime Risk Lead Investigator, you will be required to be the forefront of high-profile BSA/AML investigations, collaborating closely with law enforcement on complex financial crime cases. You'll be leading efforts, ensuring quality control and compliance, presenting to executive leadership and regulators, acting a mentor to train others, and providing support to Senior Managers and above.

Additionally, the Financial Crime Lead Investigator will conduct end to end investigations of complex/high risk cases related to potential money laundering, terrorist financing and other illicit financial crimes, by analyzing transactional activity and Know Your Customer (KYC) information, mitigating associated red flags, documenting all appropriate evidence, filing necessary regulatory reports and also including determination of potential relationship exit, on a as needed basis. This role requires a deep understanding of AML regulations, strong writing and analytical skills, and the ability to present with internal and external stakeholders. 

Primarily Offsite: Our team currently operates under a primarily offsite work model, employees must be available to come into a TD location for "moments that matter" at a frequency determined by the business. Candidates that live within a 50-mile radius of a TD AML Hub location is strongly preferred.

Depth & Scope:

Investigates AML/ATF and financial crime and/or criminal cases thematic and/or complex in natureAdvanced knowledge of Bank products, systems, policies and proceduresAdvanced knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends Manages programs/projects/ initiatives of moderate scope and complexityExpert level professional role requiring in-depth knowledge/ expertise in own field of specialty and working knowledge of broader related areasIntegrates the broader organizational context into advice and solutions within own area. Understands the industry, competition and the factors that differentiate the organization

Education & Experience:

Undergraduate degree or equivalent work experience7+ years of experience

Preferred Skills & Experience:

10+ years of direct AML investigations experience with high profile cases related to terrorist financingA Bachelor's degree is preferred and CAMS or similar certification is a plusExperience working directly with law enforcement agencies like the FBI or DEAStrong verbal communication skills and ability to present findings to executive leadership and regulatorsPrior experience writing Suspicious Activity Reports (SARs) is preferredProficiency in PowerPoint and strong writing skills

Customer Accountabilities:

Leads a variety of complex investigations, including AML, Sanctions/ABAC and Financial CrimeApplies sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threatsAssesses 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 and ensures processes for remediation are in place such as following up for corrective action where applicableIdentifies industry and typologies risk and trends for respective program areas and shares knowledge with appropriate stakeholders. This may include working with law enforcement and others in the judicial system Maintains and establishes working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposesApplies sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate

Shareholder Accountabilities:

Evaluates the effectiveness of processes/services and recommends/champions possible enhancements; may create new processesEstablishes escalation processes within the investigative unit and a feedback mechanism to relevant stakeholdersPlans and delivers efficient and cost-effective processes that support and promote the implementation of programsConducts internal and external research projects; supports the development/delivery of presentations/communications; may deliver presentations to management Ensures a high level of service by setting clear service standards and measuring effectivenessSupports the annual planning cycle; confirms quarterly forecast amounts (invoices and estimates) for quarterly budget lockdownAdheres to enterprise frameworks or methodologies that relate to activities for respective business area(s)Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriateProtect the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issuesRuns analysis at the functional or enterprise level using results to draw conclusions, makes recommendations, assesses the effectiveness of programs/policies/practicesKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impactsMaintains 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 interestProvides thought leadership and/ or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business unitKeeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques Leads or participates 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 team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLeads, 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 workforceActs 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 – 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.

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 USWAPTDO@td.com.  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.