Senior AML Financial Crime Risk Specialist (US), Regulatory Compliance Management Process Oversight

Work Location:United States of AmericaHours:40Pay Details:$110,760.00 - $178,880.00 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.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 ManagementJob Description:The Senior AML Financial Crime Risk Specialist (US), Regulatory Compliance Management Process Oversight has primary oversight and execution responsibilities for the Regulatory Compliance Management (RCM) Program, which is owned and overseen by the Global Compliance, as it applies to US Financial Crimes Risk Management (FCRM):

Owns coordination of the RCM Program leadership for FCRM-US, provides leadership and guidance to FCRM stakeholders and acts as an escalation point to the Corporate Office Compliance (COC) teams in Global and U.S. Compliance.

Act as subject matter expert for FCRM on the RCM Program, including all Frameworks, Standards, and other key governance documents.

Maintains and updates the list of applicable FCRM Laws /Rules /Regulations (LRRs) in the MERLIN library or elsewhere, including mappings and risk ratings. Understands the applicability of FCRM LRRs and provide insight on the Inherent Risk Rating (IRR).

Act as liaison to the COC teams for other FCRM stakeholders with RCM Program responsibilities. Responsible for maintaining the FCRM interaction model with the COC teams.

Monitor training completion for FCRM employees with RCM Program responsibilities.

Execute periodic RCM and Program Effectiveness (PE) Assessments for FCRM.

Provides reporting, guidance, analysis and insights for FCRM leadership regarding the FCRM Program.

Drafts, executes, and monitors action plans and issues resulting from RCM Assessments.

Ensures impacted FCRM processes/procedures align with RCM Standards.

Coordinates/integrates activities with Global/Canadian counterparts or other areas as needed.

Depth & Scope:

Recognized as top level expert within the function and requires significant in-depth and/or breadth of expertise in their own field and knowledge of broader related areas

Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work

Integrates knowledge of the functions overarching strategy in leading program design, policy formulation or operating standards within one or more areas of expertise

Anticipates emerging business trends and regulatory/ risk issues as a basis for recommending large-scale product, technical, functional or operations improvements

Serves as a source of expert advice to senior management in field of specialty

Advises on execution of strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties

Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact

Requires innovative thinking to develop new solutions

Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment

Works within general policies and industry guidelines

Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader organizational context

Provides leadership guidance on complex projects/programs; makes recommendations and collaborates with business to ensure solutions meets the business needs

Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

Undergraduate Degree preferred

Advanced degree, professional accreditation, and/or 10+ years relevant industry experience

Customer Accountabilities:

Provides strategic direction on a broad and diverse range of complex FCRM program activities

Develops GAML enterprise-wide frameworks, policies, standards, procedures in coordination with management in line with TD's AML Program

Works with executive team, senior business management / partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory / compliance issues

Leads or contributes to the development and implementation of enterprise AML programs related to all aspects of AML legislation

Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required

Delivers relevant subject matter expertise and AML advice to business / GAML partners

May provide guidance and support to business lines in adhering to and implementing policies

Participates in / leads enterprise-wide or GAML-focused special projects

Shareholder Accountabilities:

Provides strategic advice to key business (GAML) partners regarding FCRM programs, escalations and high-risk issues

Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations

Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues

Leads large or complex new or revised product initiatives, advises businesses on AML compliance requirements and ensures that those requirements are properly written into requirements for business projects

Partners with other AML partners and business compliance partners to ensure consistency in the application of AML programs and standards across the enterprise

Ensures relevant AML programs align with TD corporate philosophy and strategic direction

Monitors AML industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts

Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations

Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements

Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations

Leads role in managing and in responding to periodic exams / audits and various regulatory bodies related to accountabilities, to determine level of BSA/AML compliance

Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

Serves as a senior 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 interest

Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and function

Coaches others on knowledge of the business and the use of business related tools and techniques

Role models personal development and leads / champions development activities with the team / function

Keeps 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

Contributes to the success of the team by providing guidance, training and mentoring others in the performance of their work and learning through experience

Contributes to a fair, positive and equitable environment that supports a diverse workforce

Acts as a brand champion for the function and the bank, both internally and/or externally

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.Our Total Rewards PackageOur 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 (http://hrportal.ehr.com/tdtotalrewards)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 DevelopmentIf 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationIf you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.