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About Lendable Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. We're building one of the world's leading fintech companies and are off to a strong start: <ul><li>One of the UK's newest unicorns with a team of just over 500 people</li><li>Among the fastest-growing tech companies in the UK</li><li>Profitable since 2017</li><li>Backed by top investors including Balderton Capital and Goldman Sachs</li><li>Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)</li></ul>So far, we've rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers' hands in minutes instead of days. We're growing fast, and there's a lot more to do: we're going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. Join us if you want to <ol><li>Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1</li><li>Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo</li><li>Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting</li></ol> About the role: The Risk and Compliance Team is seeking a Financial Crime Risk Manager with a strong understanding of technical, regulatory, and risk management concepts relating to financial crime. <ul><li>This role is responsible for identifying, assessing, and mitigating financial crime risks within the organisation, ensuring compliance with regulatory requirements, and developing strategies to prevent and detect financial crimes such as money laundering, fraud, and terrorist financing. The ideal candidate will have experience in risk management, financial crime prevention, and regulatory compliance.</li><li>This role is crucial to the effective integration and implementation of the firm's financial crime framework. You will collaborate with key stakeholders across the business to develop products, initiatives and implement changes that are both aligned with business growth and fully compliant with financial crime regulations and guidelines.</li><li>You will play a key role within the Financial Crime Function, with ample opportunities for professional development and growth within the organisation.</li></ul>Your team's objectives <ul><li>The objective of the Financial Crime Function is to provide independent oversight, guidance, and challenge to ensure that the firm effectively manages financial crime risks, such as money laundering, fraud, and terrorist financing. Its primary role is to ensure that appropriate risk management processes are in place and functioning as intended, while also ensuring compliance with relevant regulations.</li><li>The team maintains strong working relationships across almost all areas of the firm and collaborates effectively to achieve its goals.</li></ul>What you'll be doing/impact on objectives <ul><li>Develop and implement policies and procedures to prevent financial crime.</li><li>Ensure compliance with all relevant regulatory requirements and industry standards and stay informed on changes in financial crime regulations and best practices.</li><li>Collaborate with internal teams to identify and mitigate financial crime risks.</li><li>Provide training and guidance to staff on financial crime prevention and compliance measures.</li><li>Serve as the primary subject matter expert in sanctions, AML, and CTF and act as the key escalation point for complex financial crime cases, providing expertise and resolution strategies.</li><li>Lead the enhancement of sanctions, AML, and CTF processes, frameworks, and investigative standards and continuously evaluate, automate, and improve systems and processes related to sanctions, AML, and CTF</li><li>Prepare and present Management Information (MI) reports, highlighting key trends, performance metrics, and risk insights for senior management, relevant stakeholders, or external parties where required.</li></ul>What we're looking for <ul><li>A minimum of 4 years of experience in a financial crime environment within the financial services industry.</li><li>In-depth knowledge of Sanctions, Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations. (Qualifications would be beneficial)</li><li>Strong written and verbal communication skills, with the ability to present complex information clearly to both internal and external stakeholders.</li><li>Excellent analytical and problem-solving capabilities.</li><li>Awareness of broader financial crime risks, including anti-bribery and corruption, and preferably fraud</li><li>An ability to analyse complex financial crime data, identify emerging trends, and lead strategic initiatives to enhance detection and prevention efforts.</li><li>An analytical mindset, with the ability to leverage data as a key resource in decision-making and risk management.</li></ul>The interview process We're not a corporation so we try our best to get things moving as quickly as possible. For this role we'd expect: <ul><li>A quick phone call with one of the team</li><li>Video Interview with the Director of Enterprise Risk and another key stakeholder within the business</li><li>Video Interview with the Head of Compliance and/or The Chief Risk Officer</li></ul>Life at Lendable <ul><li>The opportunity to scale up one of the world's most successful fintech companies.</li><li>Best-in-class compensation, including equity.</li><li>You can work from home every Monday and Friday if you wish - on the other days, we all come together IRL to be together, build and exchange ideas.</li><li>Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.</li><li>We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance</li><li>We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London</li></ul>Check out our blog!

Financial Crime Risk Manager

Work Location: New York, New York, United States of America Hours: 40 Pay Details: $68,640 - $112,320 USD 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: Financial Crime Risk Management Job Description: The Senior Financial Crime Risk Analyst role contributes to the development and maintenance of TD's AML/ATF/Sanctions/ABAC programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting and/or escalation of issues. This role conducts periodic and event driven reviews of customers, including targeted reviews to assess risks. Additionally, this role supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc. Financial Crime Risk Management (FCRM) Business Oversight partners with the business lines to design and implement risk frameworks within TD's risk appetite. The group analyzes and recommends actions related to client, product, geographic, and business line risk. FCRM Business Oversight is comprised of oversight divisions for Commercial, Cards, Retail, Digital, and New Business Initiatives &amp; Emerging Risks. The FCRM New Business Initiatives &amp; Emerging Risks team leads the U.S. FCRM new business and product assessment program and coordinates with AML subject matter experts, control groups, and business groups to facilitate effective challenge. The team also performs targeted risk reviews of new or expanded products/services, manages remediation of regulatory and internal audit issues, and maintains standards and procedures related to FCRM risk assessment and approval. The Senior Financial Crime Risk Analyst - New Business Initiatives and Emerging Risks will support FCRM oversight of new business initiatives, emerging risks, and related projects. Responsibilities may include: <ul><li>Intake and initial financial crime risk assessment of new or changing initiatives.</li><li>Tracking FCRM review of initiatives through SharePoint and maintaining SharePoint site.</li><li>Developing technical and/or automated solutions for oversight of initiatives including tracking, reviewing, and communications.</li><li>Ensuring appropriate documentation for initiatives and communications.</li><li>Accurate reporting on status of initiatives to various audiences including senior management.</li><li>Ensuring compliance with standards and procedures.</li><li>Supporting ongoing remediation efforts and other ad hoc projects as required.</li></ul>Depth &amp; Scope: <ul><li>Works independently as the senior analyst / subject matter expert and may coach and educate others</li><li>Oversees and/or independently performs tasks from end-to-end </li><li>Applies expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance </li><li>Executes on more complex and/or non-standard requests</li><li>Researches and investigates a range of operational / reporting / process issues</li><li>Recommends and implements solutions within own area of responsibility </li><li>May need to coordinate / integrate work with other areas as needed</li><li>Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise</li><li>Requires advanced technical / business / function knowledge for discipline supported</li><li>High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus</li><li>Represents the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization</li></ul>Education &amp; Experience: <ul><li>Undergraduate Degree</li><li>5+ years of work experience </li></ul>Preferred Skills: <ul><li>Experience in financial crime risk management or a related field, particularly related to new business products and services.</li><li>Knowledge of AML typologies and AML regulations, including BSA, USA PATRIOT Act, and OFAC requirements.</li><li>Strong organizational skills and attention to detail.</li><li>Proficiency with SharePoint and other AML software and tools for data analysis.</li><li>Technical writing skills a plus. Experience with SQL, Python, or other programming languages a plus</li></ul>Customer Accountabilities: <ul><li>Contributes to the development of team procedures and governance processes and advises FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.</li><li>Works with FCRM partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups</li><li>Conducts research, assesses FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholders </li><li>Provides governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)</li><li>Assists FCRM team members in the use of Issues and Events system for tracking and reporting</li><li>Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program</li><li>Delivers relevant subject matter expertise and FCRM advice to business / FCRM partners</li><li>Interacts with control functions within the organization</li><li>Develops and delivers training programs for applicable employees across the Bank</li><li>Conducts meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs</li><li>Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment</li><li>Contributes to the development of processes, procedures and guidance relevant to own specific FCRM function of expertise</li></ul>Shareholder Accountabilities: <ul><li>Prioritizes and manages own workload to meet SLA requirements for service and productivity</li><li>Provides high quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activities</li><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues</li><li>Delivers relevant subject matter expertise and FCRM advice to business (FCRM) partners </li><li>Participates as assigned in new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projects </li><li>Participates in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices </li><li>Coordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise</li><li>Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction</li><li>Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts</li><li>Contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li><li>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</li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li><li>Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance</li><li>Contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li></ul>Employee/Team Accountabilities: <ul><li>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</li><li>Shares industry knowledge for own area of expertise and participates in knowledge transfer within the team and function</li><li>Grows knowledge of the business, related tools and techniques </li><li>Participates in personal performance management and development activities, including cross training within own team</li><li>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</li><li>Contributes to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate. </li><li>Contributes to a fair, positive and equitable environment that supports a diverse workforce</li><li>Acts as a brand champion for the function and the bank, both internally and/or externally </li></ul>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 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. 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 &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. 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.

Senior Financial Crime Risk Analyst - New Business Initiatives and Emerging Risks (US)

Job Description Purpose of the role To support the Risk Function in delivering it's objective of safeguarding the bank's financial and operational stability by proactively identifying, assessing, mitigating, and monitoring risks across various business units and activities. Accountabilities <ul><li>Development of strategic direction for risk, including the implementation of up-to-date methodologies and processes.</li><li>Management of the risk department, including oversight of risk colleagues and their performance, implementation of risk priorities and objectives, oversight of department efficiency and effectiveness.</li><li>Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services.</li><li>Adherence to the Risk policy, standards and frameworks, and maintaining a robust control environment.</li></ul>Assistant Vice President Expectations <ul><li>To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.</li><li>Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes</li><li>If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others.</li><li>OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.</li><li>Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.</li><li>Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.</li><li>Take ownership for managing risk and strengthening controls in relation to the work done.</li><li>Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.</li><li>Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.</li><li>Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.</li><li>Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.</li><li>Influence or convince stakeholders to achieve outcomes.</li></ul>All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship - our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset - to Empower, Challenge and Drive - the operating manual for how we behave. Join us as a Financial Crime Risk Manager at Barclays, where you will play a pivotal role in proactively managing Financial Crime Risk to the Barclays Retail Business, via the oversight of core Financial Crime services, including Onboarding and KYC of customers, Customer and Payment Screening, Transaction Monitoring and CDD/EDD Reviews. The role holder will have experience in risk and control management, including Risk &amp; Control Assessment, Issues Management and Governance Reporting. As a self-starter, the role holder will be able to manage their own workload, identify and solve problems, and communicate risk articulately both verbally and in writing to stakeholders at a senior level. The ability to use data analysis to propose risk appetite decisions as appropriate to a mass market Retail Banking environment will be essential. To be successful in this role you should have experience with: <ul><li>Proactive identification of risk within processes and current book</li><li>Knowledge and experience in Risk and Control Management including Risk &amp; Control Assessment, Issues Management, and Governance reporting requirements</li><li>Ability to analyse data, identify trends and succinctly articulate findings and to senior audience</li><li>Stakeholder management at a senior level, both verbally and in writing.</li><li>Demonstrable knowledge and understanding of financial crime regulation</li><li>Evidence of being a self-starter, able to problem solve and manage (and find) their own workload, across multiple workstreams</li><li>Evidence of delivery of projects end to end and management to deadlines</li><li>Strategic / enterprise wide thinking</li><li>Financial Crime experience</li></ul>Additional skills include: <ul><li>Understanding of the Retail risk environment</li><li>Understanding of Fin Crime industry risk standards and best practice</li><li>Leadership is more essential than Line Management experience</li></ul>You may be assessed on key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen, strategic thinking and digital and technology, as well as job-specific technical skills. This role can be based in London, Glasgow, or Northampton.

Financial Crime Risk Senior Associate - Periodic Review Role Overview: We are seeking a dedicated Financial Crime Risk Analyst to join our Belfast-based high-risk Client Due Diligence (CDD) team. This role involves performing periodic reviews and financial crime due diligence checks on existing clients to ensure compliance with anti-money laundering (AML) legislation and current policies and procedures. Key Responsibilities: <ul> <li>Conduct client due diligence on existing clients, including public resource research to gather KYC information and screening for PEP, Sanctions, and adverse media.</li> <li>Assess risks and determine if referrals to the 2nd line Financial Crime Team are required or if a risk-based approach can be taken.</li> <li>Liaise with client engagement teams to source additional documentation as needed.</li> <li>Manage personal workloads to ensure timely completion of tasks.</li> <li>Provide timely updates to stakeholders regarding progress.</li></ul>To qualify for the role, you must: <ul> <li>Minimum of two year of experience in performing end-to-end CDD/KYC.</li> <li>Good understanding of AML legislation and experience in Sanctions, PEP, and Adverse media screening.</li> <li>Awareness of recent global events linked to financial crime and sanctions.</li> <li>Previous experience within a regulatory or professional services environment is an advantage.</li> <li>Education to degree standard is an advantage.</li></ul>Skills and Attributes for Success: <ul> <li>Strong communication skills, capable of dealing with a wide range of staff, including Partners.</li> <li>Ability to maintain a high degree of confidentiality and credibility at all levels.</li> <li>Strong team player with proven ability to work collaboratively.</li> <li>Ability to make risk-based decisions while adhering to regulations.</li> <li>Comfortable with change, ambiguity, and managing multiple stakeholders.</li> <li>Creative problem-solving skills and the ability to work well under pressure.</li> <li>High levels of accuracy and attention to detail.</li></ul>What we offer <ul> <li>Continuous learning: You'll develop the mindset and skills to navigate whatever comes next.</li> <li>Success as defined by you: We'll provide the tools and flexibility, so you can make a meaningful impact, your way.</li> <li>Transformative leadership: We'll give you the insights, coaching and confidence to be the leader the world needs.</li> <li>Diverse and inclusive culture: You'll be embraced for who you are and empowered to use your voice to help others find theirs.</li></ul>If you can demonstrate that you meet the criteria above, please contact us as soon as possible. The exceptional EY experience. It's yours to build. Apply now. Please note; Prior to finalizing your application, you will be asked to provide personal information across several dimensions of diversity and inclusiveness. The information you provide is kept entirely confidential and will not be used to evaluate your candidacy. We collect this data to help us analyse our recruitment process holistically and implement actions that promote diversity and inclusiveness. While optional, we encourage you to provide this information to hold us accountable towards our goal of building a better working world. Read more about our commitment to diversity&amp; inclusiveness here. We ask because it matters! EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

Senior Associate, Financial Crime Risk Analyst (CDD), Risk Management, CBS, Belfast

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $110,760 - $178,880 USD 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: Financial Crime Risk Management Job Description: Depth &amp; Scope: <ul><li>Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required</li><li>Oversees and leads a highly complex, and/or diverse function for an area of significant risk, or scope </li><li>Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizes and anticipates emerging trends and identifies operational efficiencies and opportunities with other business management / enterprise areas </li><li>Facilitates key strategic discussions and provides thought leadership to executive audience (output may include strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.)</li><li>Sets operational team direction and collaborates with others to execute on common goals</li><li>Focuses on longer-range planning for functional area </li></ul>Education &amp; Experience: <ul><li>Undergraduate Degree</li><li>10+ years of experience</li></ul>Customer Accountabilities: <ul><li>Oversees a function of enterprise FCRM Program professionals providing oversight and control related advisory services to FCRM partners</li><li>Provides strategic direction on a broad and diverse range of complex global FCRM program activities</li><li>Develops FCRM enterprise-wide frameworks, policies, standards, procedures in coordination with management in line with TD's FCRM Program</li><li>Works with executive team, senior business management / partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory / compliance issues</li><li>Contributes to the development and implementation of enterprise FCRM programs related to all aspects of FCRM legislation</li><li>Meets with business (FCRM) partners and leaders to determine FCRM strategies and compliance culture</li><li>Takes corrective action and recommends or implements changes to procedures, as required</li><li>Leads role in managing and in responding to periodic exams/ audits and various regulatory bodies related to accountabilities</li><li>Participates in / leads enterprise-wide or FCRM-focused special projects</li><li>Oversees research, development and implementation of new processes, technologies or operating models</li><li>Works autonomously as the leader of the team and assists with development of group policies and approval of procedures in coordination with leadership team and colleagues; and promotes and monitors staff adherence to approved internal FCRM policies, procedures, standards and guidelines, in addition to those federally mandated</li><li>Provides guidance, leadership, coaching and development to ensure operational results and professional / personal development objectives are achieved</li></ul>Shareholder Accountabilities: <ul><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues</li><li>Works closely with executive management team to support the development of business plans, ensuring the optimal use of resources and leverage TD's operating model to maximize efficiency, effectiveness and scale</li><li>Works closely with key business leaders to develop business plans, ensuring the optimal use of resources and leverage TD's operating model to maximize efficiency, effectiveness and scale</li><li>Plans and executes on strategic activities, reviews and communicates results, and adjusts tactics accordingly</li><li>May manage overall budget, revenue and expenditures, meet business objectives while increasing efficiency and effectiveness</li><li>Provides mentorship to direct reports; and assumes responsibility to minimize operational and regulatory risk by complying with Bank Code of Conduct</li><li>Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts Maintain knowledge of end-to-end processes and internal / external partners and regulatory requirements</li><li>Provides input into the development, implementation, and monitoring of operating plans and expense budgets for the area, consistent with TD Bank strategies and objectives</li><li>Prepares detailed reports and presentations for senior management and regulatory authorities, covering the effectiveness of processes and controls, and recommendations for necessary enhancements</li><li>Contributes to the development of the business plan and operationalize the plan and deliver on assigned service or functionality</li><li>Works closely with leaders to develop and operational the business plan and deliver on FCRM programs across the enterprise</li><li>Plans and executes on strategic activities, reviews and communicates results and adjust tactics accordingly</li><li>Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations</li><li>Understands TDBG issues / parameters and guide others to protect the reputation and interest of TDBG by adhering to operating standards and processes related to FCRM</li><li>Ensures employees are building and enhancing their FCRM knowledge and expertise; and employees assume responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct</li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li><li>Leads relationships with corporate and/or functions to ensure alignment with enterprise and/or regulatory requirements </li><li>Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li><li>Coordinates and supports team and business (FCRM) partner FCRM related activities, as necessary</li></ul>Employee/Team Accountabilities: <ul><li>Responsible for management of the overall team providing both leadership and guidance</li><li>Contributes to the development of FCRM functional strategic priorities within their operational area or field of specialty</li><li>Develops annual and/or long-term plans for own area and influences plans well beyond area managed</li><li>Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit</li><li>Grows team expertise to align with FCRM / enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered</li><li>Leads and develops a high performing team of professional FCRM resources through talent acquisition, coaching/development and recognition; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees</li><li>Creates and fosters a cohesive team and promotes a positive work environment. Leads and follows up on action plans to improve employee experience</li><li>Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner</li><li>Manages employees in compliance with all human resources policies, procedures and guidelines of conduct</li><li>Shares knowledge, information, skills, and subject matter expertise among the team and ensure the timely communication of issues and encourages good working relationships with other functions and teams</li><li>Supports an environment where the team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes </li><li>Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives</li><li>Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives</li><li>Acts as a brand ambassador for the function and the bank, both internally and/or externally</li></ul>Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% <ul><li>Domestic Travel - Occasional</li><li>International Travel - Never</li><li>Performing sedentary work - Continuous</li><li>Performing multiple tasks - Continuous</li><li>Operating standard office equipment - Continuous</li><li>Responding quickly to sounds - Occasional</li><li>Sitting - Continuous</li><li>Standing - Occasional</li><li>Walking - Occasional</li><li>Moving safely in confined spaces - Occasional</li><li>Lifting/Carrying (under 25 lbs.) - Occasional</li><li>Lifting/Carrying (over 25 lbs.) - Never</li><li>Squatting - Occasional</li><li>Bending - Occasional</li><li>Kneeling - Never</li><li>Crawling - Never</li><li>Climbing - Never</li><li>Reaching overhead - Never</li><li>Reaching forward - Occasional</li><li>Pushing - Never</li><li>Pulling - Never</li><li>Twisting - Never</li><li>Concentrating for long periods of time - Continuous</li><li>Applying common sense to deal with problems involving standardized situations - Continuous</li><li>Reading, writing and comprehending instructions - Continuous</li><li>Adding, subtracting, multiplying and dividing - Continuous</li></ul>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 &amp; duties are considered essential functions for ADA purposes. 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 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. 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 &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. 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.

Senior Manager, Financial Crime Risk Management

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $86,840 - $139,360 USD 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: Financial Crime Risk Management Job Description: The Manager, Financial Crime Risk Management role leads and develops a team of professionals who provides oversight, expert policy / regulatory guidance and advisory services and/or a control function related to specialized domains of TD's AML/ATF/Sanctions /ABAC programs. This role provides specialized project support or services. This role supports the development and maintenance of TD's FCRM program, including assigning workflow to analysts, providing governance and support, and addressing and escalating issues. Additionally, this role oversees the timely execution of periodic and/or event driven reviews using a risk-based approach to align with policy and regulatory requirements. Depth &amp; Scope: <ul><li>Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required</li><li>Leads and manages a team of professionals and overall operation of a diverse group in an area of moderate risk, complexity or scope </li><li>Ensures an integrated approach with other business management areas, broader organization, and enterprise as appropriate</li><li>Deep knowledge and understanding of businesses / technology, and organizational practices / disciplines</li><li>Sound to advanced knowledge of external competition, industry and/or market trends in relation to own function / business</li><li>Focuses on short to medium-term issues </li></ul>Education &amp; Experience: <ul><li>Undergraduate Degree</li><li>7+ years of experience</li></ul>Customer Accountabilities: <ul><li>Manages a team of FCRM professionals providing oversight and control related advisory services to FCRM partners</li><li>Provides guidance, leadership, coaching and development to ensure operational results and professional / personal development objectives are achieved</li><li>Works with executive team, senior business management / partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory / compliance issues</li><li>Acts as key liaison with partners and external groups and provides FCRM subject matter expertise; partners, as necessary, effectively with key stakeholder groups such as Compliance, Legal, Audit, Risk</li><li>Coaches to ensure functional / operational problems are handled appropriately, and participates in the negotiation and resolution of complex and/or escalated issues, where necessary</li><li>Leads and develops FCRM enterprise-wide frameworks, methodologies, policies, standards, procedures in coordination with management in line with TD's FCRM Program</li><li>Participates in / manages global regulatory examinations and external / internal audits with respect to request for information regarding portfolio, reviewing, packaging and providing information for department executive</li><li>Takes corrective action and recommends or implements changes to procedures, as required</li></ul>Shareholder Accountabilities: <ul><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues</li><li>Actively assists in developing and overseeing implementation of function procedures</li><li>Ensures respective programs / policies / practices are well managed, meets function needs, complies with internal / external requirements and aligns with function priorities</li><li>Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues, where appropriate</li><li>Works closely with management team to support the development of business plans, ensuring the optimal use of resources and leverage TD's operating model to maximize efficiency, effectiveness and scale</li><li>Participates in responding to periodic exams / audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance</li><li>Integrates new systems and upgrades into function operations, as needed</li><li>Manages day-to-day operations of the function and participate in FCRM-focused special projects, and other compliance projects</li><li>Responsible for updates and changes made to functional procedures and processes</li><li>Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts </li><li>Ensures employees are building and enhancing their FCRM knowledge and expertise; and employees assume responsibility in minimizing operational and regulatory risk by complying with Bank policy and Code of Conduct</li><li>Monitors and communicates to Senior Management, the effectiveness of strategies, programs, and practices related to own area of expertise</li><li>Sets the standards for operations and manageability across the function ensuring services are built from the ground up</li><li>Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations</li><li>Ensures department operates in compliance with applicable internal and external requirements</li><li>Ensures appropriate reporting and escalation of issues based on risk profile</li><li>Ensures employees are knowledgeable of and comply with Bank and industry codes of conduct</li><li>Leads relationships with corporate and/or functions to ensure alignment with enterprise and/or regulatory requirements </li><li>Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li><li>Coordinates and supports team and business (FCRM) partner FCRM related activities, as necessary</li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li></ul>Employee/Team Accountabilities: <ul><li>Responsible for management of the overall team providing both leadership and guidance</li><li>Contributes to the development of FCRM functional strategic priorities within their operational area or field of specialty</li><li>Develops annual and/or long-term plans for own area and influences plans well beyond area managed</li><li>Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit</li><li>Grows team expertise to align with FCRM / enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered</li><li>Leads and develops a high performing team of professional FCRM resources through talent acquisition, coaching / development and recognition; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and completed for all employees</li><li>Creates and fosters a cohesive team and promotes a positive work environment. Leads and follows up on action plans to improve employee experience</li><li>Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner</li><li>Manages employees in compliance with all human resources policies, procedures and guidelines of conduct</li><li>Shares knowledge, information, skills, and subject matter expertise among the team and ensure the timely communication of issues and encourages good working relationships with other functions and teams</li><li>Supports an environment where the team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes </li><li>Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives</li><li>Establishes and fosters a cohesive team; promotes a fair and equitable environment that supports a diverse workforce and encourages the team to achieve common goals and objectives</li><li>Acts as a brand ambassador for the function and the bank, both internally and/or externally</li></ul>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 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. 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 &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. 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.

Manager, Financial Crime Risk Management

Work Location: New York, New York, United States of America Hours: 40 Pay Details: $110,760 - $178,880 USD 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: Financial Crime Risk Management Job Description: The Governance, Regulatory Response and Reporting team is responsible for developing and overseeing program-wide methodologies and frameworks for the purposes of AML risk management. This includes setting and managing standards for program-wide governance and escalation, running risk assessments, testing, quality assurance and training programs. The team also produces program materials for the purposes of both ongoing supervision meetings with the bank's regulators and board committee meetings associated with financial crimes risk management, including information notifying board directors of suspicious activity reported by the bank. The Senior Financial Crime Risk Specialist role leads the development of enterprise programs including frameworks, policies, standards and development of procedures, awareness and specialized training, monitoring, reporting and escalation of issues and events. This role leads the development, and advises on the activities required to support the function. This role also provides domain subject matter expertise in specialized functions to ensure integrity of oversight and control, escalate as required within mandate. Additionally, this role conducts regular reviews to monitor and evaluate the effectiveness of controls, ensuring ongoing compliance with regulations and identifying areas for improvement. Depth &amp; Scope: <ul><li>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</li><li>Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work </li><li>Integrates knowledge of the functions overarching strategy in leading program design, policy formulation or operating standards within one or more areas of expertise</li><li>Anticipates emerging business trends and regulatory/ risk issues as a basis for recommending large-scale product, technical, functional or operations improvements</li><li>Serves as a source of expert advice to senior management in field of specialty</li><li>Advises on execution of strategy and leads the development and deployment of functional programs or initiatives within their own field or across multiple specialties</li><li>Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact </li><li>Requires innovative thinking to develop new solutions</li><li>Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment</li><li>Works within general policies and industry guidelines</li><li>Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader organizational context </li><li>Provides leadership guidance on complex projects/programs; makes recommendations and collaborates with business to ensure solutions meets the business needs </li><li>Identifies and leads problem resolution for project/program complex requirements related issues at all levels</li></ul>Education &amp; Experience: <ul><li>Undergraduate Degree</li><li>10+ years of experience</li></ul>Preferred Skills: <ul><li>Advanced Degree Preferred</li><li>Internal Audit Experience a plus</li><li>Highly organized, with demonstrated ability to develop, analyze, and improve complex policies, processes, and procedures.</li><li>Risk Management</li><li>Advanced communication and presentation skills.</li><li>Effective negotiation and influencing skills.</li><li>Solid understanding of Regulatory environment and its role in the business.</li><li>Proven ability to work independently as an individual contributor. </li><li>Proven leader that is self-motivated and efficient.</li><li>Legal writing</li></ul>Customer Accountabilities: <ul><li>Provides strategic direction on a broad and diverse range of complex FCRM program activities</li><li>Develops FCRM enterprise-wide frameworks, policies, standards, procedures in coordination with management in line with TD's FCRM Program</li><li>Works with executive team, senior business management / partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory / compliance issues</li><li>Leads or contributes to the development and implementation of enterprise FCRM programs related to all aspects of FCRM legislation</li><li>Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required</li><li>Delivers relevant subject matter expertise and FCRM advice to business / FCRM partners</li><li>May provide guidance and support to business lines in adhering to and implementing policies</li><li>Participates in / leads enterprise-wide or FCRM-focused special projects</li></ul>Shareholder Accountabilities: <ul><li>Provides strategic advice to key business (FCRM) partners regarding FCRM programs, escalations and high-risk issues</li><li>Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations</li><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues</li><li>Leads large or complex new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projects </li><li>Partners with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise</li><li>Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction</li><li>Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts</li><li>Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations</li><li>Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements </li><li>Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li><li>Leads role in managing and in responding to periodic exams / audits and various regulatory bodies related to accountabilities, to determine level of BSA/FCRM compliance</li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li><li>Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk / provide guidance for complex situations</li></ul>Employee/Team Accountabilities: <ul><li>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</li><li>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</li><li>Coaches others on knowledge of the business and the use of business related tools and techniques </li><li>Role models personal development and leads / champions development activities with the team / function</li><li>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</li><li>Contributes to the success of the team by providing guidance, training and mentoring others in the performance of their work and learning through experience </li><li>Contributes to a fair, positive and equitable environment that supports a diverse workforce</li><li>Acts as a brand champion for the function and the bank, both internally and/or externally </li></ul>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 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. 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 &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. 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.

Senior Financial Crime Risk Specialist - Regulatory Response and Oversight Senior Manager

The opportunity We are seeking a dedicated Financial Crime Risk Analyst to join our Belfast Client Due Diligence (CDD) team. This role involves performing periodic reviews and financial crime due diligence checks on existing clients to ensure compliance with anti-money laundering (AML) legislation and current policies and procedures. Your key responsibilities <ul> <li>Conduct client due diligence on existing clients, including public resource research to gather KYC information and screening for PEP, Sanctions, and adverse media.</li> <li>Assess risks and determine if referrals to the 2nd line Financial Crime Team are required.</li> <li>Liaise with client engagement teams to source additional documentation as needed.</li> <li>Manage personal workloads to ensure timely completion of tasks.</li> <li>Provide timely updates to stakeholders regarding progress.</li></ul>Skills and attributes for success: <ul> <li>Strong communication skills, capable of dealing with a wide range of staff, including Partners.</li> <li>Ability to maintain a high degree of confidentiality and credibility at all levels.</li> <li>Strong team player with proven ability to work collaboratively.</li> <li>Ability to make risk-based decisions while adhering to regulations.</li> <li>Comfortable with change, ambiguity, and managing multiple stakeholders.</li> <li>Creative problem-solving skills and the ability to work well under pressure.</li> <li>High levels of accuracy and attention to detail.</li></ul>To qualify for the role, you must have: <ul> <li>At least one years' experience of working in Financial / Professional services or a regulatory environment.</li> <li>Good understanding of AML legislation and experience in Sanctions, PEP, and Adverse media screening.</li> <li>Awareness of recent global events linked to financial crime and sanctions.</li> <li>Previous experience within a regulatory or professional services environment is an advantage.</li> <li>Education to degree standard is an advantage.</li> <li>Preferred: at least one years' experience of working in Financial / Professional services or a regulatory environment</li></ul>What we offer <ul> <li>Continuous learning: You'll develop the mindset and skills to navigate whatever comes next.</li> <li>Success as defined by you: We'll provide the tools and flexibility, so you can make a meaningful impact, your way.</li> <li>Transformative leadership: We'll give you the insights, coaching and confidence to be the leader the world needs.</li> <li>Diverse and inclusive culture: You'll be embraced for who you are and empowered to use your voice to help others find theirs.</li></ul>If you can demonstrate that you meet the criteria above, please contact us as soon as possible. The exceptional EY experience. It's yours to build. Apply now. Please note; Prior to finalizing your application, you will be asked to provide personal information across several dimensions of diversity and inclusiveness. The information you provide is kept entirely confidential and will not be used to evaluate your candidacy. We collect this data to help us analyse our recruitment process holistically and implement actions that promote diversity and inclusiveness. While optional, we encourage you to provide this information to hold us accountable towards our goal of building a better working world. Read more about our commitment to diversity&amp; inclusiveness here . We ask because it matters! EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

Associate, Financial Crime Risk Analyst (CDD), Risk Management, CBS, Belfast

Work Location: New York, New York, United States of America Hours: 40 Pay Details: $68,640 - $112,320 USD 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: Financial Crime Risk Management Job Description: The Senior Financial Crime Risk Oversight Analyst provides a range of research, guidance, and business oversight to assigned portfolio, business, or function to ensure that strong AML/ATF/Sanctions/ABAC controls and processes are in effect to mitigate inherent associated risks. Contributes to the development and implementation of AML/ATF/Sanctions/ABAC Compliance programs related to all aspects of AML and ATF laws. The US Financial Crime Risk Management (FCRM) Risk Assessment Team is responsible for the governance, oversight, and execution of the ML/TF, Sanctions, and ABAC risk assessments across the US units and segments, including identifying enhancements to the Risk Assessment Methodology and processes. The FCRM US ABAC Risk Assessment Specialist will assist in conducting the US ABAC Risk Assessment across all US segments and for the maintenance of ABAC Risk Assessment methodologies, procedures, challenge documentation. Depth &amp; Scope: <ul><li>Specialist level professional role requiring in-depth knowledge/expertise in AML/ATF/Sanctions/ABAC and working knowledge of broader related areas</li><li>Provides advanced analysis and/or specialized reporting to support business partners, functional areas, or centers of expertise</li><li>Provides AML/ATF/Sanctions/ABAC advice to a business as FCRM representative on a straightforward project or change initiative</li><li>Integrates the broader organizational context into advice and solutions within the AML/ATF/Sanctions/ABAC area</li><li>Understands the industry, competition and the factors that differentiate the organization</li><li>Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs</li><li>Contact for business management, external/internal auditors, dealing with non-routine information</li><li>Recommends and implements solutions within own area of responsibility </li><li>May need to coordinate/integrate work with other areas as needed</li><li>Identifies and leads problem resolution for complex requirements related issues at all levels</li></ul>Education &amp; Experience: <ul><li>Undergraduate Degree </li><li>5+ years of experience</li></ul>Preferred Skills: <ul><li>Experience in the execution of risk assessments and providing credible challenge in response to stakeholder self-assessments and data validation; specific experience with ABAC regulations and risk assessments is a plus.</li><li>Experience documenting processes and corrective issues/action plans.</li><li>Good communication and interpersonal skills </li><li>Ability to coordinate across multiple management levels, jurisdictions, business lines and support functions to drive results and meet timely deadlines.</li><li>Proficiency with standard computer applications including Word, Excel, and PowerPoint.</li></ul>Customer Accountabilities: <ul><li>Provides guidance on day-to-day AML/ATF/Sanctions/ABAC matters affecting the business based on regulatory compliance requirements and industry best practice, including, but not limited to, customer identification and due diligence, enhanced due diligence, policy, governance, training and/or compliance assurance and testing</li><li>Provides/Executes skilled AML/ATF/Sanctions/ABAC research, risk assessment, reporting and/or analytical support in a timely manner</li><li>Assists/Partners in the development and implementation of appropriate AML/ATF/Sanctions/ABAC policies, processes, and controls</li><li>Supports the facilitation of periodic AML/ATF/Sanctions/ABAC risk and self-assessment activities for designated business using TD's enterprise AML/ATF/Sanctions/ABAC risk assessment framework </li><li>Ensures that assessments (monitoring, risk assessment etc.) are completed and communicated in a dynamic and timely fashion</li><li>Handles matters escalated for the identification of suspicious activity, or identified through the Enhanced Due Diligence process in accordance with established processes and protocols, and assists in ensuring that the business takes appropriate steps to address those activities and customers</li><li>Works collaboratively with business and control partners within the organization </li><li>Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of the risk factors present in various products</li><li>Proactively identifies matters which require additional attention and presents objective and independent opinion on the adequacy of AML/ATF/Sanctions/ABAC processes and controls and opportunities to enhance those controls</li><li>Presents objective and independent opinions on the adequacy of AML/ATF/Sanctions/ABAC processes and controls in accordance with regulatory and internal requirements, and liaises with the appropriate FCRM and business partners to resolve</li></ul>Shareholder Accountabilities: <ul><li>Reviews and provides feedback on business line policies and procedures </li><li>Analyzes AML/ATF/Sanctions/ABAC compliance requirements and ensures they are properly written into requirements for business projects and approved at the appropriate levels</li><li>Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate</li><li>Analyzes risk exposure characteristics for assigned portfolio in accordance with established processes or procedures, making recommendations for enhancements or changes based on changes in the regulatory environment or business processes </li><li>Works with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations</li><li>Keeps current on emerging issues, trends, and evolving regulatory requirements in the AML/ATF/Sanctions/ABAC industry and assesses potential impacts </li><li>Coordinates with other AML/ATF/Sanctions/ABAC partners and business compliance partners to ensure consistency in the application of AML/ATF/Sanctions/ABAC programs and standards across the enterprise</li><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt analysis and escalation of non-standard, high-risk issues, monitoring to thorough resolution</li><li>Acquires and applies expertise in the AML/ATF/Sanctions/ABAC disciplines, providing basic guidance and direction to business and other FCRM partners</li></ul>Employee/Team Accountabilities: <ul><li>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</li><li>Provides thought leadership and/or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business</li><li>Participates in personal performance management and development activities, including cross training within own team</li><li>Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices</li><li>Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships</li><li>Contributes to a fair, positive, and equitable environment that supports a diverse workforce</li><li>Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally</li></ul>#LI-AMCBCorporate 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 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. 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 &amp; 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 If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at <a href="mailto:USWAPTDO@td.com" target="_blank">USWAPTDO@td.com</a>. 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.

9 Financial Crime Risk and Technology Full time Jobs