Senior FCRM Testing Analyst (US)

About the role

The US FCRM Monitoring and Testing team at TD is a growing team focused on evaluating financial crime compliance controls, identifying regulatory risks, executing independent testing reviews, and validating remediation improvements that strengthen TD's financial crime compliance framework. Through risk-based engagements the M&T Team performs reviews and adherence checks over key controls that mitigate the financial crime risk at TD. The Senior FCRM Testing Analyst executes independent testing of FCRM controls and systems for assigned businesses and operational units across the Bank to evaluate the effectiveness of these controls in covering associated risk. This role is capable of independently executing and having responsibility for various activities (e.g., test plan development, executing test steps) throughout the testing lifecycle within agreed timelines.

Responsibilities

• Works independently as a subject matter expert regarding assigned testing areas and objectives, including related regulatory requirements
• Develops testing documentation and results reporting in-line with testing requirements
• Understands the use of controls for managing financial crimes risk and applies this understanding to independently evaluate controls effectiveness and develop recommendations for enhancement
• Undertakes and completes a variety of projects and initiatives as part of the testing function
• Executes testing engagement work in accordance with established standards to achieve completion within targeted timelines
• Conducts skilled analytical research and analysis as part of the assigned testing objectives
• Works collaboratively with key partners throughout the testing engagement
• Presents objective and independent opinion on the adequacy of processes and controls in accordance with regulatory and internal requirements
• Executes follow-up of findings raised from testing reviews in accordance with established standards
• Provides subject matter expertise on FCRM controls and processes and/or input to projects/initiatives as a representative for area of the FCRM testing function
• Proactively identifies matters which require additional attention, further escalation, or review, and liaises with the appropriate groups to resolve
• Prioritizes and manages own workload to deliver quality results and meet assigned timelines
• Contributes to the analysis, due diligence, and implementation of initiatives within defined assignments
• Adheres to internal policies, standards and procedures, methodologies, and applicable regulatory requirements
• Understands the operations of the business unit/area being tested and identifies potential FCRM risks and applies information to complete
• Clearly and concisely documents research as required to understand requirements specific to an engagement
• Keeps abreast of emerging trends/developments and changes to regulatory framework, internal policies, and standards
• Knowledge of current and emerging trends, risk and typologies of money laundering, terrorist financing and sanctions
• Actively manages relationships within and across various business lines, corporate and/or control functions, and ensures alignment with enterprise and/or regulatory requirements
• Effectively communicates results to FCRM Testing management and the stakeholders
• Maintains a culture of risk management and control, supported through FCRM testing
• 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 interest
• Provides thought leadership and/or industry knowledge for own area of expertise and participates in knowledge sharing with the team and/or business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including potential cross training within own team
• Keeps team members informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Develops relationships with internal and external business partners/stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Requirements

• Undergraduate degree or equivalent work experience
• 5+ years experience

Skills

• Strong understanding of controls and procedures
• 1+ years of auditing experience with an accounting firm or financial institution
• Intermediate level user of all Microsoft Office applications
• Comfortable leveraging Copilot to inform/improve deliverables
• Knowledge of basic SharePoint use
• Interest in financial crime prevention
• ACAMS certification preferred
• CIA preferred

Pay

Base salary range: $72,280 - $117,520 USD. TD is committed to providing fair and equitable compensation opportunities. 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. Growth opportunities and skill development are defining features of the colleague experience at TD. Compensation policies and practices are designed to allow colleagues to progress through the salary range over time as they progress in their role.

Schedule

Full-time, 40 hours per week.

Benefits

Total Rewards package includes base salary and variable compensation/incentive awards (eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan), 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 programs.

Physical Requirements

• Domestic Travel – Occasional (1-33%)
• International Travel – Never (0%)
• Performing sedentary work – Continuous (67-100%)
• Performing multiple tasks – Continuous (67-100%)
• Operating standard office equipment – Continuous (67-100%)
• Responding quickly to sounds – Occasional (1-33%)
• Sitting – Continuous (67-100%)
• Standing – Occasional (1-33%)
• Walking – Occasional (1-33%)
• Moving safely in confined spaces – Occasional (1-33%)
• Lifting/Carrying (under 25 lbs.) – Occasional (1-33%)
• Lifting/Carrying (over 25 lbs.) – Never (0%)
• Squatting – Occasional (1-33%)
• Bending – Occasional (1-33%)
• Kneeling – Never (0%)
• Crawling – Never (0%)
• Climbing – Never (0%)
• Reaching overhead – Never (0%)
• Reaching forward – Occasional (1-33%)
• Pushing – Never (0%)
• Pulling – Never (0%)
• Twisting – Never (0%)
• Concentrating for long periods of time – Continuous (67-100%)
• Applying common sense to deal with problems involving standardized situations – Continuous (67-100%)
• Reading, writing and comprehending instructions – Continuous (67-100%)
• Adding, subtracting, multiplying and dividing – Continuous