Financial Crime Risk Analyst – Sanctions (US)

Work Location: Mount Laurel, New Jersey, United States of America Hours 40 Pay Details $61,880 - $99,320 USD 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. Line Of Business Financial Crime Risk Management Job Description The Financial Crime Risk Analyst – Sanctions provide a range of analytical, research, and assessment support to the development and enhancement of the enterprise’s sanctions risk management programs and processes Assists in reviewing and analyzing higher-risk customer or transactional information to identify potential sanctions risks, prohibited relationships, or transactions involving designated persons or entities. Depth & Scope Provides specialized guidance, assistance, and support to functions and Financial Crimes Risk Management (FCRM) teams on sanctions compliance matters, including screening, escalation, and regulatory interpretationPerforms end-to-end sanctions-related activities, such as alert reviews, due diligence, and documentation of decisions in accordance with global standardsRequires advanced understanding of sanctions regulations, screening systems, and integration points with related areas such as AML, ABAC, and FCRM, along with knowledge of TD products and servicesManages ambiguity and applies judgment to identify, troubleshoot, and resolve sanctions compliance issues, ensuring timely escalation and adherence to regulatory requirementsInterprets and administers sanctions policies and procedures, adopts and implements process improvements to strengthen controls and mitigate riskMakes process and capacity management decisions for sanctions operations to ensure compliance and efficiency, guided by practices, procedures, and operating plansHandles moderate complexity in operational, reporting, and process analysis functions requiring a short to medium-term focus on sanctions risk mitigation and governance enhancements Preferred Qualifications Sanctions investigations experienceStrong investigative skills and OFAC knowledgeReal interest in sanctions compliance Education & Experience Undergraduate Degree3+ years relevant experience Customer Accountabilities Provides research, evaluation, operational, reporting, and analytical support for sanctions oversight, advisory services, and control functions to business partners, ensuring timely and effective sanctions complianceCoordinates requests to and from business partners related to sanctions compliance activitiesAssists in preparing summaries, communications, reports, and presentations for management, regulators, and other internal and external stakeholders regarding sanctions mattersRecommends responses to enterprise sanctions program questions and immediately escalate any sensitive sanctions-related issues according to departmental proceduresAnalyzes data and draw conclusions to meet sanctions program health reporting requirementsAnalyzes emerging trends related to sanctions regulatory changes, reporting, or other departmental functions, and provides recommendations to address gaps, issues, and enhancements in sanctions controlsProactively identifies sanctions matters requiring additional review or escalation, and liaises with appropriate staff to resolve as neededCoordinates tracking and reporting of sanctions compliance initiatives and programs Shareholder Accountabilities Prioritizes and manages own workload to meet SLA requirements for service and productivityExercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriateProtects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessaryAcquires and applies expertise in the FCRM discipline; provides guidance, assistance, and direction to other FCRM partnersIdentifies, recommends, and executes standard practices applicable to the FCRM disciplineKeeps abreast of emerging issues, trends, and evolving regulatory requirementsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteAdheres to internal policies/procedures and applicable regulatory guidelinesCoordinates with other FCRM partners and compliance partners to ensure consistency in the application of FCRM Employee/Team Accountabilities Participates fully as a member of the team; supports a positive work environment that promotes service to the business, quality, innovation, and teamwork, and ensures timely communication of issues/points of interestSupports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unitKeeps current on emerging trends/developments and grows knowledge of the business, related tools, and techniquesParticipates in personal performance management and development activities, including cross-training within own teamKeeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching, and/or guidance as appropriateContributes to a fair, positive, and equitable environment that supports a diverse workforceActs as a brand champion for the function and the bank, both internally and/or externallyGrows knowledge of the business, related tools, and techniques Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – Continuous 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. 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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. 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 TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.