Financial Crime

• Completes investigations while overseeing cases meet or exceed closure and quality metrics
• Completes Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement
• Reports facts of the investigation to senior stakeholders, assisting in identifying potential operational or compliance risks and partners Global Financial Crimes (GFC) Management and/or Front Line Units (FLU) to resolve investigations
• Performs quality control functions, training, communications, guidance, monitoring scenario development/enhancement input and testing, or law enforcement liaison responsibilities in an investigative support role
• Analyze financial transactions to assess whether activity is suspicious and warrants further investigation.
• Manage the full lifecycle of fraud investigations, from initial review through documentation and resolution.
• Gather and evaluate relevant information to support sound decision-making throughout the investigative process.

Global Financial Crimes Investigator

• Leads and develops a team of professionals who provide oversight and expert regulatory guidance to specialized domains of TD's KYC programs
• Manages a team of analysts to perform job functions in line with policies, standards, procedures, and job aids
• Ensures timely execution of client due diligence reviews using a risk-based approach to align with policy and regulatory requirements
• Suggests process improvements to drive better results from efficiency, accuracy, or quality of work product

Team Manager, KYC

• Conducts investigations of financial crime
• Analyzes evidence relating to AML and terrorist financing
• Prepares suspicious activity reports (SARs)
• Collaborates with law enforcement and regulatory bodies

Senior Financial Crime Risk Investigator – Subpoena, Specialized Investigations

• Conducts holistic reviews of client relationships; assesses risks related to Sanctions, Anti-Bribery and Anti-Corruption
• Analyzes complex data sets to proactively identify leads; prepares suspicious activity reports (SARs)
• Recommends demarketing clients, as appropriate; creates supporting documentation in compliance with policies, procedures, and regulatory requirements
• Integrates the broader organizational context into advice and solutions within own area

Senior Financial Crime Risk Investigator – Subpoenas

• Develops and maintains TD’s KYC programs, including frameworks, methodologies, procedures, awareness and monitoring, management reporting and/or escalation of issues.
• Functions as a Quality Control Analyst or Checker within the process, reviewing the work product.
• Performs more advanced, complicated, or high visibility job functions aligned with policies, standards, procedures, and job aids.
• Ensures that work products are fit for purpose and audit/regulator ready.
• Suggests process improvements to drive better results from efficiency, accuracy, or quality of work product.
• Leads initiatives to help bring these improvements to fruition.
• Works independently as the senior analyst/subject matter expert and may coach and educate others.

Senior KYC Analyst

• Provides a range of analytical, research and assessment support to the development of and enhancements to the enterprise’s KYC programs and processes.
• Interacts with key stakeholders and third-party service providers to deliver KYC programs that satisfy regulatory requirements.
• Performs more advanced, complicated, or high visibility job functions aligned with policies, standards, procedures, and job aids.
• Ensures that work products are fit for purpose and audit/regulator ready.
• Suggests process improvements to drive better results from efficiency, accuracy, or quality of work product.

KYC Analyst III, Data Propagation

• Identify emerging financial crime risks for new client relationships and products
• Advise and assist in the development of policies and procedures specific to the bank's digital assets strategy
• Conduct risk assessments for new products and services
• Provide data points for transaction monitoring, screening, and audits
• Participate in project steering committees and update senior leadership on the digital asset ecosystem

Financial Crime Risk Business Oversight Specialist

• Conduct timely, comprehensive investigations of customers
• Analyze customer transaction activity
• Communicate results of analysis to FIU leadership
• Support development and maintenance of internal process manuals
• Conduct SARlink analysis, data mining and analytics
• Maintain a strong knowledge of BSA/AML laws and regulations
• Provide leadership and training to FIU Investigators

Senior Financial Crimes Investigator

• supporting the execution of substantive money laundering, economic sanctions and fraud compliance and operational risk practices
• assisting Global Financial Crimes executives and managers with activities that support the identification, escalation and timely mitigation of compliance and operational risks
• Supports the development and maintenance of financial crimes owned policies and standards
• Assists in the production of independent financial crimes risk management reporting

Global Financial Crimes Specialist

• Executes independent model validation control activities for lower risk, in-house and vendor, models
• Conducts validation activities for low-risk, in-house models, and assists, under supervision and in collaboration with peers, on higher risk, complex and vendor models
• Conducts back-testing, diagnostic testing, sensitivity analysis, benchmarking, and other validation tests/analyses on lower risk models; collaborates with senior-level validators for higher risk models
• Executes and assists in replicating model development and may help develop challenger models through principles of predictive modeling, machine learning, time-series modeling/forecasting, stress testing, heuristic models, actuarial models, and/or other techniques
• Reviews at a working experience level the end-to-end life-cycle management of model development, implementation, ongoing monitoring, and use in areas of Banking and Insurance (Property & Casualty and Life) along with their corresponding business support functions and operational processes
• Assesses the materiality of model changes and conducts model change validations
• Produces and delivers validation reports and related validation work to model validation management and model stakeholders
• Executes the independent model validation process compliant with the written risk and compliance policies and procedures at a working experience level
• Evaluates model risk control strengths around model development, implementation, and use

Model Validator – Mid-Level, Fraud/AML

• Review and disposition transaction monitoring alerts, applying BSA/AML typologies to distinguish suspicious activity from false positives
• Draft clear, well-supported case narratives and escalate higher-risk activity for supervisory review
• Conduct KYC reviews for new and existing customers, verifying identity documents and assessing risk profiles
• Identify customers that warrant enhanced due diligence (EDD) and flag for escalation
• Maintain accurate, complete records in our case management system
• Assist with periodic quality assurance and file reviews, including for our bank partner program
• Help identify patterns or process gaps that could improve detection coverage or review efficiency
• Participate in team training and stay current on evolving AML typologies and regulatory guidance

Financial Crime Analyst

• Perform research and loss mitigation efforts across multiple intake channels
• Research and analyze account activity to assess the level of risk
• Utilize banking systems to investigate and research all transactional information
• Conduct client research
• Use critical thinking skills to make well-supported decisions relative to the alert type
• Utilize internal and external applications to assist in the investigation and research of all applicable alerts
• Efficiently and effectively resolve cases or alerts
• Support effective communication with internal and external partners or clients
• Participate in BSA/AML/OFAC and/or Fraud related training

Financial Crimes Analyst III

• Performing end-to-end investigations of external financial crimes
• Conducting routine to complex investigations, including fraud, money laundering, and terrorist financing
• Acting as liaison to Law Enforcement as required
• Providing coaching and inputs to investigators to improve case quality
• Reviewing Suspicious Activity Reports in a timely manner

Global Financial Crimes Senior Investigator

• Review submissions submitted throughout the global hubs by junior analysts
• Liaise with internal/external stakeholders to provide exception management reporting and Management Information System (MIS) reporting
• Perform quality reviews and reviews of procedures and processes
• Perform project management responsibilities, including producing project plans, conducting risk analyses and providing weekly updates for senior management, as needed
• Assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup

Senior Analyst – KYC Modernization, Financial Crimes Project

• Conduct end-to-end investigations of various higher complexity and sensitivity
• Apply reasonable grounds to suspect money laundering/terrorist financing
• Mitigate and disrupt financial crime through appropriate recommendations
• Works independently as the senior technical lead and guides others within expertise

Senior Financial Crime Risk Investigator

• Perform research and loss mitigation efforts across multiple intake channels to decision Financial Crimes related cases and alerts
• Researches and analyzes account activity to assess the level of risk and make decision in accordance with applicable corporate and departmental policies and procedures
• Analyze and decision Financial Crimes related cases or alerts
• Utilize banking systems to investigate and research all transactional information to ensure that Financial Crimes requirements are met
• Conduct client research
• Use critical thinking skills to make well supported decisions relative to the alert type
• Utilize internal and external applications to assist in the investigation and research of all applicable alerts
• Efficiently and effectively resolve cases or alerts with awareness of all timelines as directed by relative to Financial Crimes function
• Support effective communication with internal and external partners or clients
• Participate in BSA/AML/OFAC and/or Fraud related training that may include webinars, periodicals and self -study in order to stay abreast of any related changing laws and regulations

Financial Crimes Analyst I

• Leads and develops a team of professionals providing oversight and expert regulatory guidance to specialized domains of TD's KYC programs
• Oversees the timely execution of client due diligence reviews using a risk-based approach
• Manages a team of production teams to perform job functions in line with policies, standards, procedures, and job aids
• Works with senior management on highly complex, confidential, or high visibility projects
• Ensures personal and teamwork products are fit for purpose and audit/regulator ready

Manager, KYC, Consumer/Retail

• Manages team responsible for execution of Decision Testing Quality Control on AML Investigations process
• Responsible for identifying thematic trends across Decision Testing Quality Control
• Advises and directs the development and maintenance of financial crimes owned policies and standards
• Produces and/or oversees independent financial crimes risk management reporting
• Monitors the changes in regulations applicable to Global Financial Crimes
• Participates in industry forums and monitors regulatory expectations
• Escalates financial crimes related compliance and operational risks
• Identifies, aggregates, reports, escalates, inspects, and challenges the remediation and thematic analysis of FLU/CF-owned issues

Global Financial Crimes Manager

• Completes investigations while overseeing cases meet or exceed closure and quality metrics
• Completes Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement
• Reports facts of the investigation to senior stakeholders, assisting in identifying potential operational or compliance risks and partners with Global Financial Crimes (GFC) Management and/or Front Line Units (FLU) to resolve investigations
• Performs quality control functions, training, communications, guidance, monitoring scenario development/enhancement input and testing, or law enforcement liaison responsibilities in an investigative support role

GFC Investigator, Brokerage – AML

• Completes investigations while overseeing cases meet or exceed closure and quality metrics
• Completes Suspicious Activity Reports (SAR) in a timely and accurate manner
• Reports facts of the investigation to senior stakeholders
• Partners with Global Financial Crimes (GFC) Management and/or Front Line Units (FLU) to resolve investigations
• Performs quality control functions

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