Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews

🔥 0 minutes ago

🏖️ New Jersey, New York, +2 more states – Remote

🏖️ New Jersey – 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

🛡️ Insurance

💰 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

• Perform second-line Enhanced Due Diligence reviews for high-risk customers • Execute EDD reviews at onboarding, periodic review, and event-driven review stages • Review customer risk factors and indicators and assess how risks relate to bank products and services • Document assessments and provide independent recommendations to maintain or onboard customers • Evaluate source of funds, business activities, ownership structures, and other risk factors • Analyze transactional activity against the customer KYC profile and expected account use • Engage with the first line of defense on EDD outcomes, issue management, and guidance • Ensure adherence to AML regulations, the Bank Secrecy Act, OFAC requirements, and other applicable laws • Identify trends and emerging risks, escalate issues, and recommend controls or mitigation measures • Maintain knowledge of regulatory changes and industry best practices • Prepare EDD risk assessment narratives and recommendations for senior management and regulators • Provide data-driven insights and recommendations for process improvements • Collaborate with internal stakeholders to address KYC and financial crime risk management framework gaps • Serve as a KYC and EDD subject matter expert and provide training and guidance to junior analysts • Represent Financial Crime Risk Management during audits and regulatory examinations • Lead projects focused on high-risk customer review processes and risk mitigation strategies • Develop and implement policies, procedures, and best practices for high-risk customer management • Support the Group Manager with day-to-day tasks and act as a delegate as needed

🎯 Requirements

• Bachelor’s degree in Business, Finance, Law, Criminal Justice, or related field • 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 • Advanced certifications such as CAMS or equivalent strongly preferred • Demonstrated leadership or project management experience preferred • ACAMS preferred • Experience in a challenge (QA/Testing) or advisory/oversight function with direct exposure to Customer Risk/KYC processes preferred • Experience in a program execution function within AML/KYC preferred • Strong knowledge of KYC and Enhanced Due Diligence (EDD) processes and regulations • Ability to manage timelines/deadlines, multiple projects and prioritize tasks • Ability to develop and generate effective and accurate presentations, metrics and reporting • Occasional domestic travel; no international travel

🏖️ Benefits

• Base salary and variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards • 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 • Regular career, development, and performance conversations • Online learning platform • Mentoring programs • Training and onboarding sessions • Competitive benefits plan