Senior Financial Crime Risk Management Analyst (KYC High Risk Reviews)

Location: Remote; work location listed as New York, New York, United States of America. Other locations include Greenville, South Carolina; Charlotte, North Carolina; and Mount Laurel, New Jersey. Occasional domestic travel is required; international travel is never required.

Salary: $72,280–$117,520 USD.

Company

TD is a global financial institution and major North American bank serving households and businesses in Canada, the United States, and other markets.

What you will do

• Perform holistic Enhanced Due Diligence reviews for high-risk customers during onboarding, periodic reviews, and event-driven reviews.
• Assess customer risk factors, source of funds, business activities, ownership structures, transactional activity, and alignment with KYC profiles.
• Document independent risk assessments and recommendations regarding customer onboarding and retention.
• Ensure compliance with AML regulations, the Bank Secrecy Act, OFAC requirements, internal policies, and other applicable laws.
• Identify emerging risks, escalate issues, recommend controls, and provide guidance to the first line of defense and internal stakeholders.
• Lead process-improvement initiatives, support audits and regulatory examinations, provide training, and assist the Group Manager as a delegate.

Requirements

• Bachelor’s degree in Business, Finance, Law, Criminal Justice, or a related field.
• 5+ years of experience in KYC, EDD, or AML within a financial institution.
• Demonstrated expertise in high-risk customer reviews and regulatory compliance.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent written and verbal communication skills, including the ability to present complex findings to stakeholders.
• Proficiency in AML software, AML tools, and Microsoft Office Suite.
• Ability to exercise significant discretion and independent judgment when assessing and managing risks.
• Ability to manage multiple high-priority tasks and deliver results under tight deadlines.

Nice to have

• ACAMS, CAMS, or an equivalent advanced certification.
• Experience in a challenge, quality assurance/testing, advisory, or oversight function with direct exposure to Customer Risk and KYC processes.
• Experience in AML/KYC program execution.
• Strong knowledge of KYC and Enhanced Due Diligence processes and regulations.
• Leadership or project management experience.
• Ability to manage timelines, deadlines, multiple projects, and priorities.
• Ability to develop accurate presentations, metrics, and reporting.

Culture & Benefits

• Full-time employment with base salary and variable compensation or incentive awards.
• Health and well-being benefits, savings and retirement programs, paid vacation, flex and holiday time off, banking benefits, and discounts.
• Career development conversations, training programs, mentoring, and access to an online learning platform.
• Training and onboarding sessions are provided.
• Respectful workplace with valued diverse perspectives and equal employment opportunities.

Hiring process

• Candidates of interest will be contacted to schedule an interview.
• Application outcomes are communicated by email or phone call where possible.