TD is a major North American bank serving individuals, businesses, and institutional clients through personal and business banking, insurance, wealth management, and securities services. Its broad operating model supports career opportunities across banking and finance, with roles spanning different regions and areas of expertise. TD also emphasizes sustainability, diversity, equity, inclusion, and community impact, shaping a workplace culture centered on care, respect, and employee growth.
Senior AML Financial Crime Investigator - United States Remote
TD is hiring a senior AML investigator to handle complex financial crime cases remotely in the United States. The role focuses on SAR preparation, risk assessment, and recommendations involving client exits or account restrictions.
Description
- Lead end-to-end investigations involving complex and sensitive AML, sanctions/ABAC, and financial crime matters
- Review evidence, customer relationships, transaction activity, and complex data sets to identify leads and evaluate financial crime risk
- Apply reasonable grounds standards when assessing suspected money laundering or terrorist financing
- Recommend SAR filings, client exits, demarketing, or account freezes when appropriate
- Prepare SARs and related documentation in line with internal policies, procedures, and regulatory obligations
- Collect, preserve, and evaluate physical and digital evidence using established investigative methods
- Assess and prioritize assigned files while conducting investigations according to required protocols
- Identify procedural gaps, industry typologies, risks, and trends, then communicate findings to relevant stakeholders
- Collaborate with financial institutions, law enforcement, nonprofits, government bodies, HR, Employment Standards, Legal, and other partners
- Lead workstreams and act as project lead for major or highly complex initiatives
- Review processes and recommend improvements to escalation and feedback channels
- Conduct research and support management presentations and communications for wider audiences
- Track service and productivity measures, evaluate efficiency, and implement ongoing process improvements
- Handle confidential information, manage identified risks, and resolve escalated high-risk matters
- Review programs, policies, and practices and provide recommendations
- Stay informed about emerging issues, industry trends, technology threats, and changing regulatory requirements
- Contribute to team activities, knowledge sharing, cross-training, mentoring, and team development
- Build effective internal and external relationships while supporting a positive and equitable workplace
Requirements
- Undergraduate degree or equivalent professional experience
- At least five years of relevant experience
- At least two years in a role focused on complex money laundering investigations within law enforcement or a financial institution
- Experience preparing Suspicious Activity Reports (SARs)
- Knowledge of criminal investigation methods
- Knowledge of financial services products, policies, and procedures
- Strong understanding of money laundering and terrorist financing risks
- Ability to evaluate customer information, transaction activity, and complex data sets
- Strong written communication skills and careful attention to detail
- Ability to work independently while managing competing deadlines
- Ability to identify and escalate matters that require further attention
- Working knowledge of bank products, systems, policies, and procedures
- Knowledge of laws related to evidence collection, court proceedings, and financial or criminal trends
- Ability to research information across internal and external systems
- Ability to collect, preserve, and assess digital evidence
- Ability to work with financial institutions, law enforcement, nonprofit, and government stakeholders within established protocols
Benefits
- Eligibility for variable compensation and incentive awards, including cash and/or equity awards
- Health and well-being benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking products, benefits, and discounts
- Career development opportunities
- Reward and recognition programs
- Regular career, development, and performance discussions
- Access to an online learning platform
- Mentoring programs
- Training and onboarding sessions
- Remote work arrangement
- Occasional domestic travel