Senior Manager, Specialized Investigations - AML Financial Crime Risk Investigation - TD Bank
Charlotte, NC
About the Job
Work Location:
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. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.
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 Manager, AML Financial Crime Risk Investigation (US) oversees/manages a team of specialized professionals in the analysis and/or investigation of TDBG AML, ATF, ABAC and Sanctions cases to minimize overall risks to the Bank, its customers and its employees.
FCRM Investigations is responsible for investigations of complex anti-money laundering, counter-terrorism finance, and insider risk matters resulting from law enforcement referrals, proactive initiatives, 314a/314b, and internal referrals.
The Senior Manager, AML Financial Crime Risk Investigation (US) develops and implements AML policies, oversees complex investigations into potential money laundering, terrorist financing, and other financial crimes, and ensures compliance with regulatory requirements. This role requires strong leadership skills, extensive knowledge of AML regulations, and the ability to work effectively with various stakeholders.
The Senior Manager, AML Financial Crime Risk Investigation, leads and manages a team of AML investigators and analysts, providing guidance and support to ensure high-quality investigations; develops, implements, and maintains AML policies, procedures, and controls to mitigate financial crime risks; oversees complex investigations into potential money laundering and other financial crimes; ensures compliance with all relevant AML regulations, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, and OFAC requirements; identifies and develops strategies to address and mitigate financial crime risks; collaborates with internal and external stakeholders, including law enforcement and regulatory bodies, to report findings and ensure compliance; prepares and presents detailed reports on investigative findings to executive management and regulatory authorities; and provides training and guidance to investigators and analysts on AML regulations, trends and typologies, and best practices.
Depth & Scope:
+ Provides people management leadership by hiring the best talent, setting goals, developing employees, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
+ Oversees group of investigative professionals that cover broad, thematic and/or complex business lines
+ Generally considered a Practice Leader – internal expert and/or industry expert and represents the Bank on AML/ATF and Financial Crime, Corporate Security/fraud management committees and/or organizations pertaining to own field of specialization
+ Scope of investigations may involve international borders, AML/ATF and financial crime, employee misconduct, etc.
+ Generally, deals with executive management on key regulatory and/or security issues and provides guidance/advice accordingly
+ Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise
+ Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices
+ Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management/enterprise areas
+ 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.)
+ Sets operational team direction and collaborates with others to execute on common goals
+ Focuses on longer-range planning for functional area (e.g.,12 months or greater)
Education & Experience:
+ Undergraduate degree or equivalent work experience
+ 10+ years of experience
Preferred Qualifications:
+ Bachelor's degree in Finance, Accounting, Criminal Justice, or a related field, preferred
+ 10+ years of experience in AML investigations, financial crime risk management, or a related field
+ Strong leadership and team management skills
+ Strong knowledge of financial crime typologies and AML regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements
+ Excellent analytical and problem-solving skills, with the ability to interpret complex data and identify patterns
+ Strong written and verbal communication skills, with the ability to present findings clearly and concisely.
+ Ability to work independently and as part of a team, with a high level of integrity and attention to detail
+ Proficiency in using AML software and tools for data analysis and case management
+ Relevant certifications (e.g., CAMS, CFE).
Customer Accountabilities:
+ Leads a team of specialized professionals and managers ensuring key elements of financial crime risk management such as prevention, detection, investigation, and remediation are effectively managed
+ Oversees and/or leads complex investigations by conducting thorough analysis
+ Ensures investigations comply with all aspects of applicable regulatory requirements
+ Ensures escalated cases/files are properly reviewed and appropriately assigned and that all stakeholders are notified as applicable
+ Identifies key control weaknesses and works with business partners to agree on action items and next steps
+ Develops supporting internal/external communications, including court briefs, as well as investigative reports to appropriate internal stakeholders
+ Provides guidance, education and/or oversight to relevant businesses/stakeholders and determine root cause of breaches for prevention purposes
+ Keeps abreast of emerging trends or new techniques for own area of specialty
+ Maintains strong understanding of legislation and/or regulations as they relate to own area and ensures investigative processes adhere to established guidelines
+ Maintains and develops reliable information sources/contacts and liaises with law enforcement, regulators, and internal business areas for the purpose of gathering intelligence and establishing effective partnerships
+ Provides expert counsel, guidance, and assistance to executive management, domestic and/or international business lines on all known or suspected internal/external crime where applicable
+ Represents TDBG on internal and/or external committees or associations
Shareholder Accountabilities:
+ Works closely with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD’s operating model to maximize efficiency, effectiveness, and scale
+ Plans and executes on strategic activities, reviews, and communicates results, and adjusts tactics accordingly
+ Executes on the annual business plan to deliver results aligned with business strategies
+ Manages overall budget, revenue, and expenditures, meets business objectives while increasing efficiency and effectiveness
+ Proactively identifies key business opportunities, research, and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement
+ Improves or creates new processes for the organization, with a medium to longer term impact
+ Monitors and communicates the effectiveness of strategies, programs, and practices related to own area of expertise
+ Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
+ Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
+ Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
+ Manages the operational efficiency and effectiveness of the unit by working with internal and external partners to identify opportunities to automate processes and/or enhance existing processes
Employee/Team Accountabilities:
+ Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty
+ Develops annual and/or long-term plans for own area and influences plans well beyond area managed
+ Develops a team of professionals in all aspects of related competencies and acts as resource and mentor to others
+ Responsible for management of the overall team providing both leadership and guidance
+ Sets targets and objectives for the team, and delivers results
+ Grows team expertise to align with business/enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered
+ Leads a high performing team; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and provides regular input into employee assessments and development plans
+ Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner
+ Manages employees in compliance with all human resources policies, procedures and guidelines of conduct
+ Shares knowledge, information, skills, and subject matter expertise among the team and ensures the timely communication of issues and encourages good working relationships with other functions and teams
+ Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes
+ Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives
+ 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
+ Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
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 (http://hrportal.ehr.com/tdtotalrewards)
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.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
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. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.
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 Manager, AML Financial Crime Risk Investigation (US) oversees/manages a team of specialized professionals in the analysis and/or investigation of TDBG AML, ATF, ABAC and Sanctions cases to minimize overall risks to the Bank, its customers and its employees.
FCRM Investigations is responsible for investigations of complex anti-money laundering, counter-terrorism finance, and insider risk matters resulting from law enforcement referrals, proactive initiatives, 314a/314b, and internal referrals.
The Senior Manager, AML Financial Crime Risk Investigation (US) develops and implements AML policies, oversees complex investigations into potential money laundering, terrorist financing, and other financial crimes, and ensures compliance with regulatory requirements. This role requires strong leadership skills, extensive knowledge of AML regulations, and the ability to work effectively with various stakeholders.
The Senior Manager, AML Financial Crime Risk Investigation, leads and manages a team of AML investigators and analysts, providing guidance and support to ensure high-quality investigations; develops, implements, and maintains AML policies, procedures, and controls to mitigate financial crime risks; oversees complex investigations into potential money laundering and other financial crimes; ensures compliance with all relevant AML regulations, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, and OFAC requirements; identifies and develops strategies to address and mitigate financial crime risks; collaborates with internal and external stakeholders, including law enforcement and regulatory bodies, to report findings and ensure compliance; prepares and presents detailed reports on investigative findings to executive management and regulatory authorities; and provides training and guidance to investigators and analysts on AML regulations, trends and typologies, and best practices.
Depth & Scope:
+ Provides people management leadership by hiring the best talent, setting goals, developing employees, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
+ Oversees group of investigative professionals that cover broad, thematic and/or complex business lines
+ Generally considered a Practice Leader – internal expert and/or industry expert and represents the Bank on AML/ATF and Financial Crime, Corporate Security/fraud management committees and/or organizations pertaining to own field of specialization
+ Scope of investigations may involve international borders, AML/ATF and financial crime, employee misconduct, etc.
+ Generally, deals with executive management on key regulatory and/or security issues and provides guidance/advice accordingly
+ Provides coaching, mentorship and guidance to practitioners, business, executives within area of expertise
+ Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices
+ Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management/enterprise areas
+ 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.)
+ Sets operational team direction and collaborates with others to execute on common goals
+ Focuses on longer-range planning for functional area (e.g.,12 months or greater)
Education & Experience:
+ Undergraduate degree or equivalent work experience
+ 10+ years of experience
Preferred Qualifications:
+ Bachelor's degree in Finance, Accounting, Criminal Justice, or a related field, preferred
+ 10+ years of experience in AML investigations, financial crime risk management, or a related field
+ Strong leadership and team management skills
+ Strong knowledge of financial crime typologies and AML regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements
+ Excellent analytical and problem-solving skills, with the ability to interpret complex data and identify patterns
+ Strong written and verbal communication skills, with the ability to present findings clearly and concisely.
+ Ability to work independently and as part of a team, with a high level of integrity and attention to detail
+ Proficiency in using AML software and tools for data analysis and case management
+ Relevant certifications (e.g., CAMS, CFE).
Customer Accountabilities:
+ Leads a team of specialized professionals and managers ensuring key elements of financial crime risk management such as prevention, detection, investigation, and remediation are effectively managed
+ Oversees and/or leads complex investigations by conducting thorough analysis
+ Ensures investigations comply with all aspects of applicable regulatory requirements
+ Ensures escalated cases/files are properly reviewed and appropriately assigned and that all stakeholders are notified as applicable
+ Identifies key control weaknesses and works with business partners to agree on action items and next steps
+ Develops supporting internal/external communications, including court briefs, as well as investigative reports to appropriate internal stakeholders
+ Provides guidance, education and/or oversight to relevant businesses/stakeholders and determine root cause of breaches for prevention purposes
+ Keeps abreast of emerging trends or new techniques for own area of specialty
+ Maintains strong understanding of legislation and/or regulations as they relate to own area and ensures investigative processes adhere to established guidelines
+ Maintains and develops reliable information sources/contacts and liaises with law enforcement, regulators, and internal business areas for the purpose of gathering intelligence and establishing effective partnerships
+ Provides expert counsel, guidance, and assistance to executive management, domestic and/or international business lines on all known or suspected internal/external crime where applicable
+ Represents TDBG on internal and/or external committees or associations
Shareholder Accountabilities:
+ Works closely with key business leaders to develop business plan, ensuring the optimal use of resources and leverages TD’s operating model to maximize efficiency, effectiveness, and scale
+ Plans and executes on strategic activities, reviews, and communicates results, and adjusts tactics accordingly
+ Executes on the annual business plan to deliver results aligned with business strategies
+ Manages overall budget, revenue, and expenditures, meets business objectives while increasing efficiency and effectiveness
+ Proactively identifies key business opportunities, research, and recommends enhancements/modifications, develops strategies to achieve recommendations and works closely with team to execute and implement
+ Improves or creates new processes for the organization, with a medium to longer term impact
+ Monitors and communicates the effectiveness of strategies, programs, and practices related to own area of expertise
+ Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary
+ Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
+ Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
+ Ensures employees are knowledgeable; and assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
+ Manages the operational efficiency and effectiveness of the unit by working with internal and external partners to identify opportunities to automate processes and/or enhance existing processes
Employee/Team Accountabilities:
+ Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty
+ Develops annual and/or long-term plans for own area and influences plans well beyond area managed
+ Develops a team of professionals in all aspects of related competencies and acts as resource and mentor to others
+ Responsible for management of the overall team providing both leadership and guidance
+ Sets targets and objectives for the team, and delivers results
+ Grows team expertise to align with business/enterprise demand and direction; assesses team skills and capabilities and continually looks for ways to provide and enhance the value delivered
+ Leads a high performing team; provides on-going feedback and performance reviews, coaches and develops employees and ensures performance management activities are undertaken and provides regular input into employee assessments and development plans
+ Leads the process of setting performance objectives for the team; tracks, monitors and effectively addresses and/or rewards performance in a timely manner
+ Manages employees in compliance with all human resources policies, procedures and guidelines of conduct
+ Shares knowledge, information, skills, and subject matter expertise among the team and ensures the timely communication of issues and encourages good working relationships with other functions and teams
+ Supports an environment where team freely escalates business challenges; facilitates change through positive reinforcement of milestones and successes
+ Recruits for all hires to ensure a highly diverse, qualified workforce to achieve business objectives
+ 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
+ Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
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 (http://hrportal.ehr.com/tdtotalrewards)
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.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
Source : TD Bank