Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews

🔥 14 hours ago

🐊 Florida, Maine, +3 more states – Remote

🐊 Florida – Remote 🦞 Maine – Remote 🗽 New York – Remote 🌲 North Carolina – Remote 🌴 South Carolina – Remote

💵 $72.3k - $117.5k / year

⏰ Full Time

🟠 Senior

🧐 Business Analyst

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TD

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1855

🏦 Banking

💸 Finance

💰 Grant on 2023-10

Banking • Finance • Insurance

TD is one of North America's biggest banks offering a wide range of banking services including personal and business banking, insurance, wealth management, and securities. TD is committed to sustainability, diversity, equity, and inclusion, ensuring a supportive and inclusive workplace where employees are empowered to grow. The bank provides various roles and career opportunities across different regions with a focus on community impact and professional development. TD's culture is defined by care and respect, aimed at benefiting their business performance, customers, and communities.

📋 Description

• Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers at onboarding, periodic review, and event driven reviews, ensuring compliance with internal policies and external regulations • Reviews customer risk factors/indicators, and acts as a subject matter expert to understand and assess the identified customer risk and how it relates to the Bank products/services to further determine if those risks can be mitigated • Responsible for documenting the assessment and providing a recommendation based on the independent analysis to maintain and/or onboard the customer • Evaluates and assesses customers' source of funds, business activities, ownership structures, and other risk factors • Reviews, assesses, and analyzes customer transactional activity to determine if customer's activity is aligned to the customer KYC profile and expected use of customer's accounts • Engages with the 1st line of defense on the outcomes of EDD reviews and guidance related to high-risk customer types and associated activity • Ensures adherence to AML regulations, the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) requirements, and other applicable laws • Proactively identifies trends and emerging risks in high-risk customer profiles, escalates issues and recommends controls or mitigation measures • Maintains up-to-date knowledge of regulatory changes and industry best practices, applying this expertise to enhance the KYC program • Prepares detailed, well-documented EDD risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators • Provides data-driven insights and recommendations for process improvements, ensuring the effectiveness of the high-risk customer review process • Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financial crime risk management frameworks • Serves as a subject matter expert (SME) on KYC and EDD processes for high-risk customer reviews, providing training and guidance to junior analysts or team members • Represents the Financial Crime Risk Management team during internal and external audits or regulatory examinations • Leads projects or initiatives focused on enhancing the bank's high-risk customer review processes and risk mitigation strategies • Utilizes independent judgment to develop and implement policies, procedures, and best practices for high-risk customer management • Supports the Group Manager by assisting with day to day tasks and acting as a delegate as needed

🎯 Requirements

• Bachelor’s degree in Business, Finance, Law, Criminal Justice, or related field • Advanced certifications such as CAMS, or equivalent are strongly preferred • 5+ years of experience in KYC, EDD, or AML within a financial institution • Demonstrated expertise in high-risk customer reviews and regulatory compliance • Strong analytical, problem-solving, and decision-making skills • Excellent written and verbal communication skills, with the ability to present complex findings to stakeholders • Proficiency in AML software and tools, as well as Microsoft Office Suite • Ability to exercise significant discretion and independent judgment in assessing and managing risks • Ability to manage multiple high-priority tasks and deliver results under tight deadlines • Demonstrated leadership or project management experience preferred

🏖️ Benefits

• 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 • reward and recognition