Operations Officer IV

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Personal & Commercial Banking

Pay Details:

$52,700 - $74,400 CAD

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.

Job Description:

Department Overview:

The Canadian Personal Banking (CPB) Anti Money Laundering (AML) Road to Strong program is responsible for developing and executing the overall strategy and delivery of the CPB Road to Strong AML initiative. This includes identifying gaps and enhancement opportunities for TD's AML Program, developing action plans, reporting and program monitoring, and establishing the delivery model of CPB specific deliverables.

Key Accountabilities:

Customer:

• Process/ investigate/detect assigned remediation files and conduct effective analysis

• Complete appropriate analysis/ re-presentment/ judgment adhering to respective rules and regulations within appropriate timelines as required

• Utilize a variety of analytical techniques and systems to analyze trends and make informed decisions concerning remediation

• Provide in-depth analysis/detection of remediation patterns  

• Evaluate/analyze/investigate potentially suspicious and/or questionable account activity and will escalate for further investigation and due diligence as required

• Assist business partners with questions pertaining to remediation or provide procedural guidance

• Act as deep specialist/expert within defined area  and be a key resource to the Analysts and Agents and other partner solution employees and provide well founded recommendations and/or solutions to business partners

Shareholder:

• Prioritize and manage own workload to meet SLA requirements for service and productivity

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

• Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging trends for own functional area

• Understand and apply operating policies and procedures

• Follow internal and industry regulations and operating practices in completing remediation activities

• Escalate non-standard or high risk activities as necessary

• Ensure documentation that is prepared / completed is accurate and properly reflects business intentions and is consistent with relevant rules / regulations

• May lead work streams by acting as a project lead / subject matter expert for small scale projects / initiatives in accordance with project management methodologies

• Conduct reporting and / or meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices

• Complete investigations – report / escalate risk issues or process gaps identified

• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency

• Ensure necessary due diligence to support the accuracy of all transactions / activities

• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

• Be knowledgeable of and comply with Bank Code of Conduct

Employee / Team:

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest

• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit

• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques

• Participate in personal performance management and development activities, including cross training within own team

• Keep 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

• Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.

• Contribute to a fair, positive and equitable environment that supports a diverse workforce

• Act as a brand champion for your business area/function and the bank, both internally and/or externally

Breadth & Depth:

• Requires solid knowledge and performs multiple and/or diverse tasks that are complex, involving multiple steps, systems, and jurisdictions

• Remediation activities require solid knowledge across a broad range or variety of products, processes or systems within own area of specialty and where transactions could be characterized by moderate to high risk

• Gathers and analyzes data to identify and solve complex problems, escalates as required

• Uses sound judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines.

• Generally interacts with internal customers / partners for functions performed and/or external customers

• May provide process / policy guidance to others (e.g. within team, internal partners)

• Focus of work is weekly, monthly and/or longer with addition of ad-hoc and initiative based requests, as required

• Requires solid knowledge of the business unit / operational functions as well as regulatory issues/ requirements for jurisdictions supported

• May involve cross-functional teams across TD and/or involving external contacts

Job Requirements:

• Undergraduate degree preferred

• One (1) or more years of relevant experience

• Fundamental knowledge of AML operations, standards, procedures, laws, rules and regulations

• Skill in using computer applications including MS Office

• Knowledge of TD systems: C3, CIF, TSYS, CODs/MBNA

• Ability to analyze, research, organize and prioritize work while meeting multiple deadlines

• Ability to handle confidential information with discretion

• Ability to communicate effectively both written and verbal

• Ability to pay high attention to details

#LI_Commercial

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet