Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Financial Crime Risk Management

Pay Details:
$115,600 - $163,200 CAD

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.

Job Description:

CUSTOMER

• Manage/lead teams of FCRM testing members in the execution of FCRM Testing reviews and validation of action plans in accordance with established standards
• Oversee skilled analytical research and analysis as part of the testing engagement and initiatives.
• Develop, implement, track, and report on FCRM testing schedules and escalate any issues with adherence to timeline of reviews
• Provide overall strategic direction to support the FCRM Testing Program, including associated processes and procedures to stay current with established standards and regulatory expectations
• Act as a subject matter expert and strategic advisor by providing guidance on FCRM issues to management and business units
• Report on emerging trends based on findings and insights from the testing program, identifying risks and opportunities, and recommending action to Senior Management
• Understand risk identification, risk analysis, and risk mitigation according to the regulatory requirements and best business practices to assist in the execution of Testing program activities
• Responsible for overseeing, leading, and developing testing team members and review owners conducting independent FCRM testing. Responsible for ensuring appropriate design and execution of the review or test in compliance with FCRM procedures and/or any applicable Bank standards/procedures
• Support relationships with key stakeholders to effectively manage and clarify scope of review while influencing and aligning others as needed
• Provide functional/business level communications to stakeholders and/or leaders that are consistent, appropriate, and aligned with strategic direction
• Provide guidance, leadership, coaching, and development to achieve desired operational results and professional/personal development objectives for the overall team
• Provide assistance/expertise to other teams (e.g., business oversight, governance, audit), as appropriate

SHAREHOLDER

• Work closely with key business leaders to develop business plan, ensuring the optimal use of resources and leverage TD's operating model to maximize efficiency and effectiveness
• Plan and execute on strategic activities, review and communicate results, and adjust tactics testing plan accordingly
• Subject matter expert on the Bank's business units and on regulatory requirements/FCRM issues within the FCRM area
• Provide subject matter expertise, complex analysis and advice to business partners/team and apply knowledge in following up on outcomes, investigating and/or enforcing policy
• Identify and implement opportunities for continuous improvement in the FCRM Testing Program
• Lead relationships with business lines/corporate and/or control functions to promote alignment with enterprise and/or regulatory requirements
• Support team and management in staying knowledgeable on emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the Bank
• Assess/identify key issues and escalate to management where required
• Support the facilitation of action/remediation plans as a result of an internal audit and/or regulator review of FCRM Testing Program
• Actively monitor emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the Bank and share with team members
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Develop and provide reporting, analysis, and assessments at the functional or enterprise level
• Protect the interests of the organization - identify and manage risks, and escalate non-standard, high-risk transactions/activities as necessary
• Create and support presentations/communications to management or broader audience
• Participate in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations

EMPLOYEE / TEAM

• Cultivate and model the Colleague Promise to support colleague growth, and a culture of care; make an impact at work and in our communities by leading with authenticity and supporting well being to represent TD's brand
• Connect the alignment of colleague's contributions with the TD Shared Commitments
• Build and retain an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done
• Demonstrate inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results
• identify strong talent, recruit, develop and retain a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome
• Enable colleague growth by encouraging colleague development to achieve career and business objectives, ensuring timely feedback, motivating appreciation and recognition to all colleagues
• Enable a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership
• Foster an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensure timely management and escalation of issues and create opportunities to collaborate with other functions and teams
• Lead your team through change and create an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation
• Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drive results
• Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD
• Foster a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results
• Manage employees in compliance with all human resources policies, procedures and guidelines of conduct

BREADTH & DEPTH:

• Oversees concurrent testing reviews across TDBG business segment areas, and accountable for the timely and quality execution of these reviewsand typically work closely with Senior/Executive Management
• Accountable for the effective identification of issues stemming from testing activities and the communication of the results and issues to business areas
• 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
• Strategic advisor with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends across the organization
• Provide guidance and clarity around priorities and goals for FCRM program and works with managers to ensure the goals cascade to all workers
• Guide talent identification and development processes
• Key contact for dealing with a range of complex issues, including non-routine information
• Focuses on longer-range planning for FCRM areas (e.g., 12 months or greater)
• Manage and prioritize multiple projects at a given time
• Identify and lead problem resolution for risks identified within testing reviews and share for relevancy to other business areas
• Set operational team direction and collaborate with others to execute on common goals
• Reports to the Head of FCRM Monitoring & Testing

EXPERIENCE AND / OR EDUCATION

• Undergraduate degree or equivalent work experience
• 10+ years of experience in audit, AML, and/or project management
• Prior management or supervisory experience
• In depth knowledge of AML/ATF regulations, financial crime typologies, and control frameworks.
• Deep AML domain expertise with 8-12+ years of experience across Transaction Monitoring, Client Risk Rating, Sanctions/Name Screening, and Regulatory Reporting, including strong understanding of global regulatory expectations (e.g., FINTRAC, OSFI, OCC, FRB) and second line oversight principles.
• Proven experience assessing AML technologies and automated controls, including testing of TM scenarios, segmentation logic, threshold tuning, risk scoring models, screening algorithms, data lineage, and system configuration; familiarity with platforms such as Oracle, Actimize etc. or equivalent.
• Strong understanding of model risk and technology governance frameworks, including interaction with Model Risk Management (MRM), data governance, change management, and IT application controls; ability to distinguish second line control testing from model validation and articulate independent assurance value.
• Hands-on technical testing experience, including validation of data inputs/outputs, SQL-based data analysis, scenario logic testing, end-to-end alert lifecycle walkthroughs, interface and data reconciliation testing, and review of system change implementations; ability to independently interrogate large datasets and evaluate automated control effectiveness.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):
Sans Objet