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TD · 6 hours ago

Senior FCRM High Risk Reviews Analyst

Mount Laurel, NJ

Full-time

Onsite

Mid, Senior Level

$72K/yr - $118K/yr

5+ years exp

TD is one of the world's leading global financial institutions, and they are seeking a Senior Financial Crime Risk Management Analyst. This role focuses on performing Enhanced Due Diligence (EDD) reviews for high-risk customers, ensuring compliance with regulations, and providing expert recommendations on financial crime risks.

BankingFinanceFinancial ServicesWealth Management

Responsibilities

Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers at onboarding, periodic review, and event driven reviews, ensuring compliance with internal policies and external regulations

Reviews customer risk factors/indicators, and acts as a subject matter expert to understand and assess the identified customer risk and how it relates to the Bank products/services to further determine if those risks can be mitigated

Responsible for documenting the assessment and providing a recommendation based on the independent analysis to maintain and/or onboard the customer

Evaluates and assesses customers' source of funds, business activities, ownership structures, and other risk factors

Reviews, assesses, and analyzes customer transactional activity to determine if customer's activity is aligned to the customer KYC profile and expected use of customer's accounts

Engages with the 1st line of defense on the outcomes of EDD reviews and guidance related to high-risk customer types and associated activity

Ensures adherence to AML regulations, the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) requirements, and other applicable laws

Proactively identifies trends and emerging risks in high-risk customer profiles, escalates issues and recommends controls or mitigation measures

Maintains up-to-date knowledge of regulatory changes and industry best practices, applying this expertise to enhance the KYC program

Prepares detailed, well-documented EDD risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators

Provides data-driven insights and recommendations for process improvements, ensuring the effectiveness of the high-risk customer review process

Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financial crime risk management frameworks

Serves as a subject matter expert (SME) on KYC and EDD processes for high-risk customer reviews, providing training and guidance to junior analysts or team members

Represents the Financial Crime Risk Management team during internal and external audits or regulatory examinations

Leads projects or initiatives focused on enhancing the bank's high-risk customer review processes and risk mitigation strategies

Utilizes independent judgment to develop and implement policies, procedures, and best practices for high-risk customer management

Supports the Group Manager by assisting with day to day tasks and acting as a delegate as needed

Qualification

AML regulationsKYC processesEnhanced Due DiligenceFinancial crime risk managementCAMS certificationAnalytical skillsMicrosoft Office SuiteCommunication skillsProblem-solving skillsLeadership experience