AML Operation Analyst I
TD Bank
Toronto, ON
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Department Overview

Global Anti-Money Laundering at TD

Pick up a newspaper, turn on the TV or stream a video and the topic of money crime is everywhere, because it is a threat across the world.

Do you believe the best defense is a good offence? At TD, we're committed to detect and deter anyone from using TD products or services for money laundering and terrorist financing activity. Our dedication is upheld and deployed through four key team functions – Policy, Testing, Advisory and Operations – that together build our Global Anti-Money Laundering (GAML) Program and professional community.

Ready to join us? We have a new opportunity to grow your career in AML (Anti-Money Laundering) Operations.

AML Operations establishes processes to identify unusual and suspicious activities and transactions at the Bank, enterprise-wide. The centralized team manages the daily activities related to Anti-Money Laundering, Bank Secrecy, Enhanced Due Diligence, Sanctions and Anti-Bribery/Anti-Corruption. Roles help to support compliance in these areas and other legislation in each jurisdiction where TD operates.

Job Description

Primary Accountability of the Job

This role supports the execution of a quality review program in TD's Canadian Financial Intelligence Unit (FIU). As part of the Reviews & Reporting team, the scope of each Analyst's work includes quality review of controls and processes in the following areas: customer screening (for potential sanctions and politically exposed persons), LCTR/STR regulatory reporting, transaction monitoring adjudication, further investigations and higher risk customer investigations. The role requires a well-rounded understanding of a financial intelligence unit's operations, including core investigatory skills, to ensure that the review program delivers on its mandate to a senior executive audience in the FIU.


Support the business internally as a specialist in quality reviews over all FIU operational areas
Conduct sound quality reviews, articulating your findings and recommendations clearly and concisely.
Support and understand risk identification, risk analysis and risk mitigation according to the regulatory requirements and industry best business practices
Support department trend analysis and reporting of AML, Sanctions/ABAC findings identified in your work
Assist with developing/drafting and maintaining written policies, procedures and/or programs/frameworks to minimize compliance breaches and monitor adherence to applicable regulations/ requirement
Identify, document and investigate processes / exceptions arising from transactions beyond first level operations service delivery and resolve escalated matters and refer complex issues / situations beyond own level of expertise
Establish and provide analysis and reporting on operational performance of the businesses with respect to AML, Sanctions/ABAC related transactions

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
Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
Comply with applicable internal and external audit and regulatory requirements and may actively participate in Audit Reviews, providing recommendations and guidance as required
Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

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

Job Requirements

Breadth and Depth of Role

Serve as an expert in assigned operational function and performs end-to-end activities
Requires an understanding of a range of product and services, processes, procedures, systems and concepts within their own and related areas of specialty
May lead problem resolution for issues that have been escalated, and/or escalate to appropriate level where further clarity or interpretation is required
Complete work within specifically defined parameters with guidance / direction from management as necessary
Require diplomacy to exchange ideas and information with internal partners and management
Act as a subject matter process expert in a range of technical processes and procedures
Focus of work is daily, weekly, monthly and/or longer with addition of ad-hoc and priority-based requests, as required
Require knowledge of the business unit / operational functions and interaction points with other related areas as well as regulatory issues/ requirements for jurisdictions supported
Experience, Education and Additional Information.
3-5 years experience working in an FIU investigations environment or a similar review/testing area in an Anti-Money Laundering, Regulatory Compliance or Internal Audit function will be a significant advantage.
Excellent judgement, communication and reporting-writing skills are a must for this role.
Fundamental knowledge of AML operations standards, procedures, laws, rules and regulations.
Knowledge of current and emerging trends in AML/Sanctions/Counter-Terrorist Financing
Skill in using analytical software tools, data analysis methods and reporting techniques
Skill in using computer applications including MS Office
Ability to communicate effectively in both oral and written form
Ability to work collaboratively and build relationships
Ability to analyze, research, organize and prioritize work while meeting multiple deadlines
Ability to handle confidential information with discretion
May involve cross-functional teams across TD and/or involving external contacts
Reports to a Group Manager


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

Job FamilyAML Operations
Job Category - Primary

Anti-Money Laundering / Compliance & Regulatory Relations

Job Category(s)Anti-Money Laundering / Compliance & Regulatory Relations


Business LineCorporate
Time Type

Full Time

Employment TypeRegular


**Province/State (Primary)Ontario
City (Primary)


Work LocationTD Centre - 95 Wellington Street West