Financial Crime Risk Specialist - Regulatory Response & Audit Oversight

<div><b>Work Location:</b><br/>Mount Laurel, New Jersey, United States of America<br/><br/><b>Hours:</b><br/>40<br/><br/><b>Pay Details:</b><br/>$91,000 - $145,600 USD<br/><br/>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. <br/><br/>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.<br/><br/><b>Line of Business:</b><br/>Financial Crime Risk Management<br/><b>Job Description:</b><br/><br/>This role is not eligible for TD work visa support or sponsorship (e.g., H-1B, F-1 OPT/STEM OPT, TN or other work visa authorizations). Applicants must have authorization to work in the United States without current or future need for TD sponsorship.<br/><br/>The US FCRM Regulatory and Audit Oversight team manages the Bank's engagement with regulatory agencies, internal audit, and issues management processes. The team's core responsibility is to support a well-organized, consistent, and effective response process across regulatory, audit, and issue-related activities.<br/><br/>The team serves as the central coordination point for regulatory examinations, including request intake and distribution, response compilation and submission, follow-up management, and stakeholder alignment. It also supports internal audit engagements by facilitating communication, tracking deliverables, and helping ensure timely, accurate business responses. In addition, the team oversees FCRM issues management by promoting complete, concise issue documentation, well-structured action plans, and timely submissions.<br/><br/>The team partners closely with FCRM stakeholders and Regulatory Program Management to strengthen governance, transparency, and readiness across engagements. By serving as a liaison between the business, Compliance, Legal, and oversight functions, the team helps reduce risk and promote accountability in the organization's response to internal and external reviews.<br/><br/>The Financial Crime Risk Specialist role develops and maintains TD's AML/ATF/Sanctions/ABAC programs, including frameworks, methodologies, policies, standards, procedures, awareness and specialized training, monitoring, management reporting and/or escalation of issues. This role conducts periodic and event driven reviews of customers, including targeted reviews to assess risks. Additionally, this role supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc.<br/><br/><b>Depth & Scope:</b><br/><ul><li>Highly seasoned professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas</li><li>Integrates knowledge of the sub-functions overarching strategy in developing solutions across multiple functions or operations</li><li>Interprets internal / external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services</li><li>Acts as a technical expert / lead integrating cross-function understanding within their own field of specialty </li><li>Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity</li><li>Independently manages end-to-end functional programs </li><li>Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions</li><li>Uses sophisticated analytical thought to exercise judgement and identify solutions </li><li>Impacts the achievement of sub-function or business line objectives within the area they are accountable for </li><li>Work is guided by policies and industry standards/methods </li><li>Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders </li><li>Works autonomously as the lead and guides others within area of expertise</li></ul><br/><br/><b>Education & Experience:</b><br/><ul><li>Undergraduate degree or equivalent work experience </li><li>7+ years experience</li></ul><br/><br/><b>Preferred Skills:</b><br/><ul><li>Issues Management (strongly preferred)</li><li>Risk Management (strongly preferred)</li><li>Audit experience (strongly preferred)</li><li>Compliance testing experience (strongly preferred)</li><li>Quality Assurance - (strongly preferred)</li><li>Microsoft Excel</li><li>Microsoft PowerPoint</li><li>Tableau</li></ul><br/><br/><b>Customer Accountabilities:</b><br/><ul><li>Leads the development of team procedures and governance processes and advises FCRM stakeholders and teams of changes and enhancements to enterprise FCRM programs and requirements and where they may impact in the organization.</li><li>Works with FCRM partners and other related groups (such as Compliance, Legal and Risk etc.) to support creation of documentation and reports required by external regulatory bodies and TD internal groups</li><li>Conducts research, assesses FCRM risks and controls, and otherwise contributes to a specialized team of FCRM compliance professionals, interacting with key stakeholders </li><li>Provides governance oversight through management of the policy and training exemption governance and reporting processes to the FCRM Senior Executive Team (and related FCRM Sub-Committees)</li><li>Prepares summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the FCRM program</li><li>Represents FCRM as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required</li><li>Delivers relevant subject matter expertise and FCRM advice to business / FCRM partners</li><li>Interacts with control functions within the organization</li><li>Develops and delivers training programs for applicable employees across the Bank</li><li>Conducts meaningful research, analysis, and assessment of FCRM program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of enterprise FCRM programs</li><li>Prepares research, analysis, updates tools and/or supports training activities specific to risk assessment</li><li>Leads development of processes, procedures and guidance relevant to own specific FCRM function of expertise</li></ul><br/><br/><b>Shareholder Accountabilities:</b><br/><ul><li>Provides high quality service and advice to key business (FCRM) partners and monitors progress of initiatives, action plans, or similar activities</li><li>Protects the interests of the organization - identifies and manages risks, and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues</li><li>Delivers relevant subject matter expertise and FCRM advice to business (FCRM) partners </li><li>Leads new or revised product initiatives, advises businesses on FCRM compliance requirements and ensures that those requirements are properly written into requirements for business projects </li><li>Participates in FCRM level projects as needed, to facilitate and oversee changes to FCRM processes, systems, or practices </li><li>Coordinates with other FCRM partners and business compliance partners to ensure consistency in the application of FCRM programs and standards across the enterprise</li><li>Ensures relevant FCRM programs align with TD corporate philosophy and strategic direction</li><li>Monitors FCRM industry developments and maintains strong knowledge of evolving regulatory requirements and assesses potential impacts</li><li>Proactively identifies key business opportunities, researches and recommends enhancements / modifications, develops strategies to achieve recommendations</li><li>Leads relationships with business lines / corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements </li><li>Leads or contributes to cross-functional / enterprise initiatives as an organizational or subject matter expert helping to identify risk/ provide guidance for complex situations</li><li>Complies with applicable internal and external audit and regulatory requirements and may actively provide support during Audit and Regulatory Reviews, providing recommendations and guidance as required</li><li>Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite</li><li>Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of BSA/FCRM compliance</li></ul><br/><br/><b>Employee/Team Accountabilities:</b><br/><ul><li>Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues / points of interest</li><li>Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit</li><li>Shares knowledge of the business, related tools and techniques </li><li>Leads or participates in personal performance management and development activities, including cross training within own team</li><li>Keeps others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities</li><li>Contributes to the success of the team by assisting others in the completion and performance of work activities, provides coaching and/or guidance as appropriate. </li><li>Contributes to a fair, positive and equitable environment that supports a diverse workforce</li><li>Acts as a brand champion for the function and the bank, both internally and/or externally </li></ul><br/><br/><b>Physical Requirements:</b><br/><br/>Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%<br/><ul><li>Domestic Travel - Occasional</li><li>International Travel - Never</li><li>Performing sedentary work - Continuous</li><li>Performing multiple tasks - Continuous</li><li>Operating standard office equipment - Continuous</li><li>Responding quickly to sounds - Occasional</li><li>Sitting - Continuous</li><li>Standing - Occasional</li><li>Walking - Occasional</li><li>Moving safely in confined spaces - Occasional</li><li>Lifting/Carrying (under 25 lbs.) - Occasional</li><li>Lifting/Carrying (over 25 lbs.) - Never</li><li>Squatting - Occasional</li><li>Bending - Occasional</li><li>Kneeling - Never</li><li>Crawling - Never</li><li>Climbing - Never</li><li>Reaching overhead - Never</li><li>Reaching forward - Occasional</li><li>Pushing - Never</li><li>Pulling - Never</li><li>Twisting - Never</li><li>Concentrating for long periods of time - Continuous</li><li>Applying common sense to deal with problems involving standardized situations - Continuous</li><li>Reading, writing and comprehending instructions - Continuous</li><li>Adding, subtracting, multiplying and dividing - Continuous</li></ul><br/><br/>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.</div>