Job Description

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Financial Crime Risk Management Pay Details: Were committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

: High Risk Investigation (HRI) conducts investigation of complex and sensitive cases to determine potential unusual and/or suspicious activities and determination of risk mitigation (includes demarketing and/or freezing of accounts). Within the HRI, there is a specialized unit consisting of subject matter experts and investigators with accountabilities for conducting investigation of insider risk relating to financial crime including money laundering, terrorist financing, sanctions, fraud, anti-bribery and anti-corruption. The AML Financial Crime Investigator I (Insider Risk) resides within the HRI unit who is accountable primarily for:

• Conduct adjudications and/or analysis, risk assessment and investigations of insider risk cases
• 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).
• Provide analysis and/or data/evidence gathering support for moderate to very complex end-to-end insider risk investigations. This can include AML and Sanctions/ABAC Financial Crime or digital evidence for case preparation and evidence/documentation purposes.
• Using a risk-based approach, prioritize incoming investigation requests.

• Conduct thorough analysis, risk assessment and investigation of referred/assigned insider risk cases including determination of unusual and/or suspicious activities for regulatory reporting as well as risk mitigation such as demarketing of relationships and accounts.
• Conduct research, and apply new methodologies for analyzing digital evidence to reduce the risk of exposure to TD BankAssist with the organization, triage, trend/typology analysis, reporting of the AML Insider Risk investigations.
• Provide support in preparation for review, interviews for financial crime cases and ensure proper documentation is obtained for evidence purposes
• Use sound methodologies to collect, preserve, and analyze digital evidence
• Work with internal partners/external parties for effective detection and investigation purposes
• Prepare and deliver AML, Sanctions/ABAC and Financial Crime or fraud detection/loss prevention seminars to internal areas of the Bank
• Maintain a good understanding and awareness of emerging AML and Sanctions/ABAC trends, cyber technologies, and new criminal techniques
• Apply strong knowledge of bank procedures, products, and systems to assist investigators in analyzing situations, gathering information, and required documentation and case preparation. Conduct sound investigations and provide AML and Sanctions/ABAC support and recommendations

• Develop and maintain effective relationship with key stakeholders including Corporate Security, Legal, Human Resources
• Patriciate in forums, working groups and other established task force while representing the HRI to ensure information is shared among various stakeholders in a timely, concise and accurate manner.
• Lead work streams by acting as a project lead for small scale projects / initiatives in accordance with project management methodologies
• Consistently exercise discretion in managing correspondence, information, and all matters of confidentiality; escalate issues where appropriate
• Conduct reporting and / or meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
• Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging trends for own functional area
• Protect the interests of the organization - identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary
• Maintain appropriate project records, databases, and information; report to management and others on project status and updates
• Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist
• Acquire and apply expertise in the discipline, provide guidance, assistance, and direction to Analysts and others
• Identify, recommend, and effectively execute standard practices applicable to the discipline
• Adhere to internal policies/procedures and applicable regulatory guidelines
• Keep abreast of emerging issues, trends, and evolving regulatory requirements
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

• 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
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and 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; provide training, coaching and/or guidance as appropriate.
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand champion for your business area/function and the bank, both internally and/or externally

• Investigates AML, ATF, ABAC and Sanctions cases and conducts interviews or collects and analyses digital evidence
• Sound knowledge of investigative techniques, AML, and criminal trends, and analysis
• Demonstrates experience managing more complex non-criminal investigations
• Strong understanding of Bank policy and procedures for own area
• Professional role with a focus on providing services/ process/program support within defined parameters
• Requires sound conceptual knowledge in related functions
• Typically, no supervisory accountability but may provide informal guidance to others
• May lead small projects and / or support work streams of a bigger project
• Investigates and analyses potential solutions; ensures processes and functional programs are implemented
• Executes on work with some complexity, requiring short to medium-term focus (weekly-monthly)
• Delivers on assigned initiatives / projects /programs with some direction from management
• Generally, reports to a Manager

• Undergraduate degree or relevant professional certifications, designations, or equivalent required
• 2+ years relevant experience
• Working knowledge of Canadian AML legislation, requirements and guidance including but not restricted to Financial Transactions Reports Analysis Centre of Canada (FINTRAC), Office of the Superintendent of Financial Institutions (OSFI), Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
• Knowledge and experience with investigating insider risk relating to ML/TF and sanctions cases including reasonable ground to suspect (RGS).
• Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions.
• Knowledge of investigative techniques and tools including data analytics, link analysis, forensic analysis among others.
• Strong oral and written communication skills
• Ability to work well independently and ability to collaborate and build positive relationships.
• Strong decision-making, critical thinking, follow through ability, analytics skills,
• Ability to respond to shifting priorities quickly and managing competing priorities
• Skill in using computer applications including MS Office
• Ability to exercise sound judgment in making decisions.