Senior Financial Crime Risk Analyst – Sanctions (US)

Work Location:

Hours:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. 

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:

Job Description:

Department Overview: The Senior Financial Crime Risk Analyst must have experience with regulatory, audit, testing, exam management, or related engagements. Experience with issue management is preferred. Consulting backgrounds or candidates with experience across different areas of BMO are strongly preferred as well. The successful applicant will have comfort with the role's mix of regulatory work, testing, issue management, and project management.

The Senior Financial Crime Risk Analyst – Sanctions contributes to the development, oversight, and implementation of TD’s sanctions compliance programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting, and escalation of sanctions-related issues.
Conducts periodic and event-driven reviews for sanctions risks of customers and transactions, including targeted assessments. Supports management in delivering initiatives related to sanctions risk assessment, regulatory exam preparation, and internal/external audit support.

Depth & Scope:

• Works independently as the senior analyst/subject matter expert in sanctions compliance and coaches and educates others on regulatory requirements and best practices
• Oversees and/or independently performs end-to-end sanctions screening and escalation processes, ensuring adherence to global standards
• Applies expert knowledge of sanctions regulations, business operations, products, services, and operating standards to drive unit or team performance and mitigate risk
• Executes on more complex and/or non-standard sanctions-related requests, including high-risk reviews and regulatory reporting
• Researches and investigates a range of sanctions alerts, operational issues, and process gaps, ensuring timely resolution and compliance
• Recommends and implements solutions within own area of responsibility to strengthen sanctions controls and governance frameworks
• Coordinates and integrates work with other areas such as AML, FCRM, and Legal as needed to ensure holistic risk management
• Provides advanced analysis and/or specialized reporting on sanctions metrics, trends, and regulatory adherence to support business partners and centers of expertise
• Requires advanced technical and regulatory knowledge of global sanctions regimes and screening systems for discipline supported
• Manages high complexity in operational, reporting, and process analysis functions with a medium- to longer-term focus on sanctions compliance enhancements
• Represents the group as the lead or subject matter expert on sanctions-related projects, regulatory initiatives, and cross-border governance meetings

Education & Experience:

• Undergraduate Degree
• Advanced degree, professional accreditation, and/or 5+ years

Customer Accountabilities:

• Develops and implements team procedures and governance processes for sanctions compliance and analyzes and advises stakeholders and teams of changes and enhancements to enterprise sanctions programs and requirements, including their impact across the organization
• Collaborates with and influences partners and senior stakeholders in related groups (such as Compliance, Legal, and Risk) to support the creation of documentation and reports required by external regulatory bodies and TD internal groups for sanctions compliance
• Leads research and assessment of sanctions risks and controls and contributes to a specialized team of sanctions compliance professionals, interacting with key stakeholders
• Provides governance oversight through management of sanctions policy and training exemption governance and reporting processes to the Senior Executive Team and related sub-committees
• Provides strategic guidance to team members in the use of issues and events systems for tracking and reporting sanctions-related matters
• Prepares summaries, presentations, briefing notes, and other documentation to effectively report on the status of the sanctions compliance program
• Delivers relevant subject matter expertise and sanctions compliance advice to business partners
• Interacts with control functions within the organization to ensure effective sanctions oversight
• Develops and delivers sanctions training programs for applicable employees across the Bank
• Conducts meaningful research, analysis, and assessment of sanctions program activities at the functional level, using results to draw conclusions, make recommendations, and assess the effectiveness of enterprise sanctions programs
• Prepares research, analysis, updates tools, and supports training activities specific to sanctions risk assessment
• Contributes to the development of processes, procedures, and guidance relevant to sanctions compliance

Shareholder Accountabilities:

• Prioritizes and manages own workload to meet SLA requirements for service and productivity
• Provides high-quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activities
• Protects the interests of the organization – identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
• Delivers relevant subject matter expertise and FCRM advice to business (FCRM) partners
• Participates as assigned in new or revised product initiatives; advises businesses on FCRM compliance requirements and ensures those requirements are properly written into requirements for business projects
• Participates in FCRM-level projects as needed to facilitate and oversee changes to FCRM processes, systems, or practices
• Coordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise
• Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction
• Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts
• Contributes to cross-functional/enterprise initiatives as an organizational or subject matter expert, helping to identify risk and providing guidance for complex situations
• Complies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit to determine level of BSA/FCRM compliance
• Contributes to cross-functional/enterprise initiatives as an organizational or subject matter expert, helping to identify risk and providing guidance for complex situations

Employee/Team Accountabilities:

• Participates fully as a 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
• Shares industry knowledge for own area of expertise and participates in knowledge transfer within the team and function
• Grows knowledge of the business, related tools, and techniques
• Participates in personal performance management and development activities, including cross-training within own team
• 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 willingly assisting others in the completion and performance of work activities, providing guidance as appropriate
• 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

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our 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

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 Development

If 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.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process
We’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.

Accommodation

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected].  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.