Senior Financial Crime Risk Investigator

Work Location:

Hours:

Line of Business:

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.

Job Description:

Conduct end to end investigations of various higher complexity and sensitivity through analysis of evidence gathered for both internal and external investigations. Includes authority in applying reasonable grounds to suspect money laundering/terrorist financing, mitigating, and disrupting financial crime (recommending for demarket and/or freezing accounts by the appropriate investigative unit). 

CUSTOMER

• • Conduct a variety of complex investigations, including AML, Sanctions/ABAC and Financial Crime
  • Apply sound methodologies to collect, preserve, and analyze evidence while staying current on global emerging risks and technology threats
  • Assess and prioritize files and investigate assigned cases ensuring proper protocols are in place and effectively applied
  • Work effectively with counterparts at other FI’s, law enforcement, Non-Profits, and others in government within prescribed protocols to maximize opportunities for information sharing and to reduce TDBFG exposure
  • Conduct investigations in a professional and timely manner
  • Conduct quality control reviews of investigations completed by Investigators in the FIU's High Risk Investigations (HRI) team, including review of investigations that resulted in no Suspicious Transaction Reports (STRs) as well as investigations that resulted in STRs and other regulatory reporting and risk mitigation (e.g., demarket, etc.).
  • Validate that Reasonable Ground to Suspect (RGS) ML and/or TF has been established and that all procedural and regulatory requirements are followed.
  • Review case file and transactional data to ensure that all reportable transactions are submitted. Incorporate procedures, job aids, and regulatory findings into the case review.
  • Provide and deliver value-added feedback to the investigators and investigative teams.
  • Contribute to system development projects and efficiency enhancements.
  • Identify and communicate procedural weaknesses to businesses
  • Identify industry and typologies risk and trends for respective program areas and share knowledge with appropriate stakeholders.
  • Maintain and establish working relationships with internal partners (e.g., HR, Employment Standards and Legal etc.,) for investigative purposes
  • Apply sound methodologies to collect, preserve, and analyze digital evidence in accordance with investigative mandate.

SHAREHOLDER

• • Lead work stream by acting as a project lead for large or complex projects/initiatives in accordance with project management methodologies
  • Evaluate the effectiveness of processes/services and recommend/champion possible enhancements
  • Recommend improvements to escalation processes within the investigative unit and a feedback mechanism to relevant stakeholders.
  • Plan and deliver efficient and cost-effective processes that support and promote the implementation of programs
  • Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience
  • Adhere to enterprise frameworks or methodologies that relate to activities for respective business area(s)
  • Monitor service, productivity and assess efficiency levels within own function and implement continuous process/performance improvements where opportunities exist
  • Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
  • Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high-risk issues
  • Run analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
  • Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
  • Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

EMPLOYEE / TEAM

• • Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
  • Share industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
  • Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
  • Participate in personal performance management and development activities, including cross training within own team
  • Keep 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
  • Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
  • Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
  • Contribute to a fair, positive and equitable environment that supports a diverse workforce
  • Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

• • Investigates criminal cases ranging from simple to complex in nature
  • Sound knowledge of Bank products, systems, policies and procedures
  • Strong knowledge of criminal investigative techniques, related laws governing collection of evidence, court proceedings and financial/criminal trends
  • Manages programs/projects/ initiatives of low to moderate scope and complexity
  • Expert level professional role requiring in-depth knowledge/ expertise in own field of specialty and working knowledge of broader related areas
  • Integrates the broader organizational context into advice and solutions within own area
  • Understands the industry, competition and the factors that differentiate the organization
  • Impacts a range of functional programs across own and related teams
  • Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels
  • Builds stakeholder alignment in leading projects and activities
  • Works independently as the senior technical lead and guides others within area of expertise
  • Identifies and leads problem resolution for complex issues at all levels
  • Generally, reports to a Group Manager/Senior Manager

EXPERIENCE AND / OR EDUCATION

• • Undergraduate degree or equivalent work experience
  • 5+ years experience

Hybrid work model: 

Work activities include a blend of highly collaborative activities and individual deliverables. Individuals are expected to be onsite 4 days a week effective 3 Nov, 2025. Colleagues may spend more or less days in office as required by the business line.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):