KYC Analyst III

al Crimes & Fraud Mgmt
Job Description:

The KYC Analyst III provides a range of analytical, research and assessment support to the development of and enhancements to, the enterprise's KYC programs and processes. This role may interact with key stakeholders and third-party service providers to deliver KYC programs that satisfy regulatory requirements.
This role focuses on complex customers or high visibility cases, is expected to provide a modicum of subject matter expertise. This role performs quality control on the work product as needed and outreach support will have to spend more of their time focused on outreach to Customers for missing documentation.

Hybrid

Schedule: Monday-Friday 9:00am-5:30pm EST

up to 4 days a week in office

Candidates should be within a commutable distance of Mt Laurel NJ to go into the office

Depth & Scope:

• Perform more advanced, complicated, or high visibility job functions aligned with policies, standards, procedures, and job aids

• 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

• Experienced professional role providing specialized guidance/ assistance/support to functions/GAML teams

• Independently performs activities from end to end

• Requires advanced understanding of a range of product and services, processes, procedures, systems, and concepts within their own area of specialty and integration points with related areas

• Manages ambiguity, and apply judgement to identify, troubleshoot and resolve ongoing business and operational issues

• Interprets and administers policies, adopts, and implements business process improvements

• Guided by practices, procedures, and operating plans, makes process and capacity management decisions to ensure ongoing operations

• Moderate level of complexity in operational / reporting / process and/or analysis function requiring a short to medium term focus

Education & Experience:

• Undergraduate Degree or equivalent professional work experience

• 2+ 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)

• 6+ 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

Customer Accountabilities:

• Maintains KYC files, data, and documents in a manner consistent with the KYC Policies and Standards in line with Service Level Agreements

• Performs reviews of customers as appropriate throughout the customer's lifecycle with TD

• Ensures that such records, data, and reviews are prepared for review by auditors and regulators

• Provides KYC research, evaluation, operational, reporting and/or analytical support in operational processes, in a timely manner

• Assists in the preparation of summaries, communications, reports and presentations for management, regulators, and other internal and external stakeholders as required

• Immediately escalates any potential issues or concerns to management for further action to

• Analyzes data and draw conclusions to meet program health reporting requirements

• Analyzes emerging trends pertaining to regulatory changes, reporting or other departmental functions and provides recommendations to enhance or rectify KYC Ops- related gaps, issues and enhancements

• Proactively identifies matters requiring additional review, escalation, and liaises with appropriate staff to resolve, as appropriate

• Coordinates tracking and reporting of KYC Ops function initiatives and programs on timely matter as required

• Assists in reviewing and updating higher risk customer information

Shareholder Accountabilities:

• Prioritizes and manages own workload to meet KYC Ops requirements for service and productivity and within TD's risk appetite

• Consistently exercises discretion in managing correspondence, information, and all matters of confidentiality; escalates issues where appropriate

• Protects the interests of the organization - identifies and manages risks, and escalates non-standard, high-risk transactions/activities as necessary

• Maintains a culture of risk management and control, supported by effective processes in alignment with the bank's risk appetite

• Adheres to internal policies/procedures and applicable regulatory guidelines

• Coordinates with other FCRM partners and compliance partners to ensure consistence in the application of AML

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

• Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and 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 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 willingly assisting others in the completion and performance of work activities; provides training, 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 your function and the bank, both internally and/or externally

• Grows knowledge of the business, related tools and techniques

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

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 [email protected]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.