Senior AML Financial Crime Risk Analyst AML & Risk Oversight Position Available In Androscoggin, Maine

Senior AML Financial Crime Risk Analyst

• AML & Risk Oversight
  remote type
  Hybrid
  locations
  Lewiston, Maine
  Wilmington, Delaware
  Mount Laurel, New Jersey
  Boston, Massachusetts
  Portland, Maine
  time type
  Full time
  posted on
  Posted Today
  time left to apply

End Date:

May 8, 2025 (6 days left to apply)
job requisition id
R_1416313

Work Location:

Lewiston, Maine, 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 Financial Crime Risk Oversight team plays a critical role in safeguarding the organization by providing expert regulatory guidance, risk oversight, and second-line challenge across AML frameworks. This function ensures the effective governance, development, and execution of financial crime compliance programs, aligning with evolving regulatory expectations and industry best practices.
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.

Depth & Scope:

Works independently as the senior analyst / subject matter expert and may coach and educate others
Oversees and/or independently performs tasks from end-to-end Applies expert knowledge of business operations, products, services, methods and operating standards to drive unit or team performance Executes on more complex and/or non-standard requests
Researches and investigates a range of operational / reporting / process issues
Recommends and implements solutions within own area of responsibility May need to coordinate / integrate work with other areas as needed
Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centres of expertise
Requires advanced technical / business / function knowledge for discipline supported
High level of complexity in operational / reporting / process and/or analysis function requiring medium to longer term focus
Represents the group as the lead or subject matter expert on projects / initiatives and/or at meetings across the organization

Education & Experience:

Undergraduate degree or equivalent work experience 5+ years experience

Preferred Skills:

Strong knowledge of AML, ATF, sanctions, ABC regulations, emerging risks, and regulatory compliance frameworks.
Experience assessing, identifying, and mitigating financial crime risks across business lines and jurisdictions, including regulatory advisory and issue resolution.
Ability to interact with business leaders, regulatory bodies, and control partners, providing risk-based guidance and collaborating on solutions.
Proven experience leading or supporting enterprise-wide Privacy Impact Assessments (PIAs), Data Protection Impact Assessments (DPIAs), and financial crime risk assessments across business lines and jurisdictions.
Proficiency in leveraging data, technology, and risk intelligence to enhance financial crime risk management strategies.
Ability to lead enterprise-wide initiatives, regulatory change projects, and risk assessments while driving execution and alignment with business goals.
Strong analytical capabilities, including using reporting tools, data analysis methods, and computer applications like MS Office.
Proven ability to work effectively across teams and foster strong relationships with internal and external stakeholders.
Ability to prioritize work, manage deadlines, exercise sound judgment, and drive solutions in a fast-paced environment.

Customer Accountabilities:

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.
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
Conducts research, assesses FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholders 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)
Assists FCRM team members in the use of Issues and Events system for tracking and reporting
Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program
Delivers relevant subject matter expertise and FCRM advice to business / FCRM partners
Interacts with control functions within the organization
Develops and delivers training programs for applicable employees across the Bank
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
Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment
Contributes to the development of processes, procedures and guidance relevant to own specific FCRM function of expertise

Shareholder Accountabilities:

Prioritizes and manages own workload to meet SLA requirements for service and productivity
Provides high quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activities
Protects the interests of the organization

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

BSA/FCRM

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

Employee/Team Accountabilities:

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues / points of interest
Shares industry knowledge for own area of expertise and participates in knowledge transfer within the team and function
Grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team
Keeps others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
Contributes to the success of the team by willingly assisting others in the completion and performance of work activities, providing guidance as appropriate. Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand champion for the function and the bank, both internally and/or externally

Physical Requirements:

Never:

0%;

Occasional:

1-33%;

Frequent:

34-66%;

Continuous:

67-100%
Domestic Travel

• Occasional
  International Travel
• Never
  Performing sedentary work
• Continuous
  Performing multiple tasks
• Continuous
  Operating standard office equipment
• Continuous
  Responding quickly to sounds
• Occasional
  Sitting
• Continuous
  Standing
• Occasional
  Walking
• Occasional
  Moving safely in confined spaces
• Occasional
  Lifting/Carrying (under 25 lbs.)
• Occasional
  Lifting/Carrying (over 25 lbs.)
• Never
  Squatting
• Occasional
  Bending
• Occasional
  Kneeling
• Never
  Crawling
• Never
  Climbing
• Never
  Reaching overhead
• Never
  Reaching forward
• Occasional
  Pushing
• Never
  Pulling
• Never
  Twisting
• Never
  Concentrating for long periods of time
• Continuous
  ing common sense to deal with problems involving standardized situations
• Continuous
  Reading, writing and comprehending instructions
• Continuous
  Adding, subtracting, multiplying and dividing
• Continuous
  The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.

They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 & 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

USWAPTDO

@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.