Work Location:
Jacksonville, Florida, United States of America
Hours:
40
Pay Details:
$86,840.00 - $130,000.00 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 Crimes & Fraud Mgmt
Job Description:
The KYC Specialist develops and maintains TD's KYC programs, including frameworks, methodologies, procedures, awareness and monitoring, management reporting and/or escalation of issues.
This role conducts periodic and event driven KYC due diligence reviews of customers, including targeted reviews as per KYC Ops Policy to assess risks as needed.
Depth & Scope:
Performs more advanced, complicated, or high visibility job functions aligned with policies, standards, procedures, and job aids
Works with senior management on highly complex, confidential, or high visibility projects
Ensures that work products are fit for purpose and audit/regulator ready
Suggests process improvements to drive better results from efficiency, accuracy, or quality of work product
Leads initiatives to help bring these improvements to fruition. Works with senior management to ensure that special projects are brought to fruition
Highly seasoned professional role requiring substantial knowledge/expertise in a complex field and knowledge of broader related areas
Integrates knowledge of the sub-function's overarching strategy in developing solutions across multiple functions or operations
Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes, or services
Acts as a technical expert/lead integrating cross-function understanding within their own field of specialty
Leads cross-functional teams or projects with significant resource requirements, risk and/or complexity
Independently manages end-to-end functional programs
Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
Uses sophisticated analytical thought to exercise judgement and identify solutions
Impacts the achievement of sub-function or business line objectives within the area they are accountable for
Work is guided by policies and industry standards/methods
Communicates difficult concepts; converts information to compelling business @context and advice; influences and gains alignment across increasingly senior stakeholders
Works autonomously as the lead and guides others within area of expertise
Education & Experience:
Undergraduate Degree or equivalent professional work experience
6+ Direct experience in financial services or similar industries including fraud, know your customer, anti-money laundering, sanctions screening, or similar roles for new joiners. (or)
10+ years' experience in an unrelated role involving information fluency, investigation, research, or financial services broadly but not specifically KYC or AML. (or)
Or for an internal candidate proven track record of excellence through metrics or manager discretion
Preferred Experience:
Responsible for leading training session of 50+ employee's
?Customer Accountabilities:
Leads development of team procedures and governance processes and advises teams of changes and enhancements to enterprise KYC Ops programs and requirements and where they may impact in the organization and how this may impact the line of business
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
Assesses risks and controls for KYC Ops, and otherwise contributes to the KYC Ops team interacting with key stakeholders including the Line of businesses
Provides governance oversight through management of the training exemption governance and reporting processes to the KYC Ops Team Prepare summaries, presentations, briefing notes, and any other required documentation to effectively report on the status of the KYC Ops program
Represents KYC Ops as a specialist on internal or external committees as well as on enterprise-wide Regulatory Change Management initiatives, as required
Delivers relevant subject matter expertise and AML advice to business/GAML partners
Interacts with control functions within the organization
Conducts meaningful research, analysis, and assessment of KYC Ops program activities at the functional level using results to draw conclusions, make recommendations, assess the effectiveness of KYC Ops programs
Prepares research, analysis, update tools and/or support training activities specific to risk assessment
Creates, maintains, and improves process maps and reports. Serves as a subject matter expert for specific processes within the overall KYC program
Supports management in delivery of initiatives related to risk assessment, internal/external exam support, etc.
Shareholder Accountabilities:
Provides high quality service and advice to key business partners and monitor progress of initiatives, action plans, or similar activities as required
Protects the interests of the organization - identifies and manages risks and ensures the prompt and thorough resolution of escalated non-standard, high-risk issues
Delivers relevant subject matter expertise and advice to business partners
Leads new or revised product initiatives, advise businesses on KYC Ops requirements, and ensures that those requirements are properly written into requirements for business projects
Participates in KYC Ops level projects as needed, to facilitate and oversee changes to processes, systems, or practices
Coordinate with other partners and business partners to ensure consistency in the application of KYC Ops programs and standards across the enterprise
Ensures relevant KYC Ops programs align with TD corporate philosophy, strategic direction, and TD's risk appetite
Proactively identifies key business opportunities, researches, and recommends enhancements/modifications, develops strategies to achieve recommendations
Leads relationships with business lines/corporate and/or control functions to ensure alignment with enterprise and/or regulatory requirements
Leads or contributes to cross-functional/enterprise initiatives as an organizational or subject matter expert helping to identify risk/provide guidance for complex situations
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
Maintains a culture of risk management and control, supported by effective processes in alignment with the bank's risk appetite
Participates in responding to periodic exams/audits by regulatory bodies and Internal Audit, to determine level of compliance
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 interest
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
Shares knowledge of the business, related tools, and techniques
Leads or participates in personal performance management and development activities, including cross training within own team
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
Contributes to the success of the team by assisting others in the completion and performance of work activities, providing coaching and/or guidance as appropriate.
Contributes to a fair, positive, and equitable environment that supports a diverse workforce
Acts as a brand champion for the function and the bank, both internally and/or externally
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel - Occasional
International Travel - Never
Performing sedentary work - Continuous
Performing multiple tasks - Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds - Occasional
Sitting - Continuous
Standing - Occasional
Walking - Occasional
Moving safely in confined spaces - Occasional
Lifting/Carrying (under 25 lbs.) - Occasional
Lifting/Carrying (over 25 lbs.) - Never
Squatting - Occasional
Bending - Occasional
Kneeling - Never
Crawling - Never
Climbing - Never
Reaching overhead - Never
Reaching forward - Occasional
Pushing - Never
Pulling - Never
Twisting - Never
Concentrating for long periods of time - Continuous
Applying common sense to deal with problems involving standardized situations - Continuous
Reading, writing and comprehending instructions - Continuous
Adding, 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
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 (http://hrportal.ehr.com/tdtotalrewards)
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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
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.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
