Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews

🕒 July 2

🐊 Florida, Maine, +4 more states – Remote

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

💵 $72.3k - $117.5k / year

⏰ Full Time

🟠 Senior

🧐 Business Analyst

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 32%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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 (EDD) reviews for high-risk customers • Conduct holistic 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 and/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, issues, and guidance for high-risk customer types and activity • Ensure adherence to AML regulations, the Bank Secrecy Act (BSA), OFAC requirements, and other applicable laws • Identify emerging risks, escalate issues, and recommend controls or mitigation measures • Maintain knowledge of regulatory changes and industry best practices to enhance the KYC program • Prepare detailed 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 and team members • Represent Financial Crime Risk Management during audits and regulatory examinations • Lead projects enhancing 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 understanding of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), including how these differ from AML Transaction Monitoring and Investigations • Strong analytical, problem-solving, and decision-making skills • Excellent written and verbal communication skills, with 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 • Must have authorization to work in the United States without current or future need for TD sponsorship • Advanced certifications such as CAMS, or equivalent, are strongly preferred • Demonstrated leadership or project management experience preferred

🏖️ Benefits

• Base salary and variable compensation/incentive awards, including potential 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 • Domestic travel opportunities