About TD Bank, America's Most Convenient Bank® TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US . TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com .
Job Description The AML Investigator III independently performs analysis of complex financial transactions to include confidential research and investigations. Evaluates suspicious and/or questionable account activity. Recognizes and evaluates high risk accounts and activity and makes recommendations regarding account retention. Utilizes a variety of analytical techniques and computer systems to make informed decisions concerning Customer account status. Performs enhanced due diligence on Customers designated by regulators as high risk, such as international and large cash Customers. Reviews and validates information sent from the Financial Crimes Enforcement Network (FinCen), Financial Transactions and Reports Analysis Centre (Fintrac) against Company records, researches issues and resolves with FinCen, or Fintrac. Investigates cases that are referred to the FIU which could be terrorist financing, Ponzi schemes, and any investigation that represents a significant reputational risk to the bank. Also handles employee alert investigations in conjunction with Global Security. Investigates referrals from Legal Department, senior management and other business lines. Responsible for investigation into National Security Letters (NSL).
Evaluates suspicious and/or questionable account activity using a variety of analytical techniques. Recognizes and evaluates high risk accounts and activity and makes recommendations regarding account retention notifying stores as applicable.
Conducts due diligence for high risk accounts that may include interfacing with Customers and Employees in order to obtain operational and financial information.
Analyzes complex financial transactions and conducts research into customer's background.
Works independently with minimal supervision inside a team environment, planning and prioritizing daily work to meet department objectives.
Effectively communicates with branch staff to obtain information needed for supporting documentation, reports and risk mitigation.
Takes referrals from internal support groups, reviews transaction background and information, conducts additional research and investigation as needed and decides whether to conclude inquiry or forward to applicable authorities for further review. Performs enhanced due diligence on Customers designated by regulators as high risk, such as international and large cash Customers.
Reviews and validates rules, guidance and other pertinent information issued by the relevant jurisdictional financial intelligence unit such as the Financial Crimes Enforcement Network (FinCEN) or the Financial Transactions Reports Analysis Centre of Canada (FINTRAC).
Performs additional research as needed to supplement background information including customer occupation, criminal records, length of time at residence, etc.
Utilizes various vendor information databases, general internet and other research sources to find useful material. Assists branch personnel, when deemed necessary and/or requested, to conduct Customer interviews to address certain specific AML alerted transactional issues with the objective being mitigation of AML risk thus limiting TD Bank exposure from both a monetary and possible reputational standpoint
Provides branch and business line personnel with clear understanding of Customer's transactional history as related to money laundering concerns thus mitigating possible monetary and reputational risks.
Maintains updated information on various systems as well as required files and documentation. Ensures that records are complete and available for review and audit as needed.
Analyzes, makes determinations and either concludes inquiries or forwards for further investigation potential money laundering transactions in support of the regulations, such as, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and all other Anti-Money Laundering (AML) regulations designed to prevent financial-related crimes against the government according to established TD Bank policies, procedures and regulatory guidelines.
High school or equivalent
3-5 Years of related experience.
Strong knowledge of CIP and/or KYC, and/or AML and ATF regulations, requirements and procedures an asset.
Familiarity with regulations, such as the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).
Inquisitive nature, with ability to pursue potential investigative leads until resolved
Organized, with ability handle multiple cases simultaneously
Advanced investigative and business sense to distinguish between typical transactions and suspicious activity.
Good communication skills, including verbal phone skills and writing skills
Ability to use various searchable databases and internet to conduct research and investigations.
Basic computer skills/knowledge of Microsoft products (Word, Excel, PowerPoint).
Ability to make sound judgments with confidence.
Inclusiveness At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at email@example.com. Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.