Work Location:Jacksonville, Florida, United States of America
Hours:40
Pay Details:$91,000 - $145,600 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 Crime Risk Management
Job Description:The FCRM Testing Specialist is responsible for independently leading all phases of the assigned testing review from end-to-end (scoping, fieldwork, reporting, and supervisory checklist) in line with the procedure with the support from the Team Lead and Team Members, including review of final test papers.
The role provides subject matter expertise on FCRM controls / processes. This role executes testing activities independently and assumes leadership of a review with support from a Testing Lead.
Department Overview: The US FCRM Monitoring and Testing team at TD is a growing team focused on evaluating financial crime compliance controls, identifying regulatory risks, executing independent testing reviews, and validating remediation improvements that strengthen TD's financial crime compliance framework. Through risk-based engagements the M&T Team performs reviews, adherence checks and issue validations over key controls that mitigate the financial crime risk at TD.
Depth & Scope:- Works independently as review owners in executing reviews from end-to-end and provides direction to others
- Considered to be subject matter experts in FCRM testing standards and objectives and provide guidance to various team members and stakeholders
- Develops and is accountable for testing documentation and results reporting in-line with requirements
- Utilizes advanced understanding of the Banks financial crimes obligations and requirements to effectively execute their work
- Utilizes advanced understanding of the use of controls for managing financial crimes risk to independently evaluate complex controls and serve as SME on developing recommendations for enhancements
- Considered subject matter expert in FCRM technologies (e.g., Transaction Monitoring system, Sanctions screening system)
- Advanced knowledge of testing process and industry best practices
- Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes
- Executes on more complex and/or non-standard requests
- Independently performs concurrent multiple FCRM reviews and related tasks from end-to-end
- Reports to the Team Lead all issues, escalations, or testing review concerns
- May act as highest point of Review Team escalation for resolution and provides direction to resolve issues or escalate
Education & Experience:- Undergraduate degree or equivalent work experience
- 7+ years experience
Preferred Skills:- Strong AML knowledge across CDD, KYC, EDD, transaction monitoring, and related sanctions controls.
- Proficiency in risk-based design and operating effectiveness testing, including evidence assessment against requirements, risks, and deficiencies.
- Strong issue-validation and root-cause analysis skills, with sound judgment on remediation completeness, effectiveness, and sustainability.
- Analytical rigor and attention to detail in evaluating testing and closure documentation for evidence sufficiency, accuracy, and standards alignment.
- Strong coaching, constructive challenge, and communication skills, supported by independent, evidence-based judgment.
- Adaptability to changing risks and priorities, intermediate Microsoft Office proficiency, and basic SharePoint knowledge.
- ACAMS certification and Certified Internal Auditor (CIA) designation preferred.
Customer Accountabilities:- Executes and manages testing activities in accordance with established standards and strategic direction to achieve completion within targeted timelines
- Conducts skilled analytical research and analysis as part of the testing engagement and initiatives
- Presents objective and independent opinion on the adequacy of processes and controls in accordance with regulatory and internal requirements
- Executes follow-up on findings raised from testing reviews in accordance with established standards
- Understands risk identification, risk analysis, and risk mitigation according to regulatory requirements and best business practices to assist in evaluation of FCRM controls and processes
- Develops strong relationships and work collaboratively with key stakeholders
- Owns the review of the testing engagement, including all steps of the end-to-end testing process, which encompasses the communication and reporting of results
- Proactively identifies matters which require additional attention, further escalation, or review, and liaise with the appropriate staff to resolve
Shareholder Accountabilities:- Prioritizes and manages own workload to deliver quality results and meet assigned timelines
- Contributes to the review of internal processes and activities and assists in identifying potential opportunities to improve efficiencies within FCRM reviews
- Adheres to internal policies / procedures, enterprise frameworks and methodologies and applicable regulatory guidelines
- Clearly and concisely documents research as required to understand requirements specific to an engagement
- Protects the interests of the organization - identifies and manages risks, and escalates non-standard activities high-risk transactions/activities as necessary
- Applies subject matter expertise in the discipline, provides guidance, assistance, and direction to testing team members
- Actively maintains relationships within and across various business lines, corporate and/or control functions, and drives alignment with enterprise and/or regulatory requirements
- Assesses/identifies key issues and escalate to appropriate levels and relevant stakeholders
- Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts to the Bank
- Maintains a culture of risk management and control, supported by effective processes through FCRM testing
- May develop and provide reporting, analysis, and assessments at the functional or enterprise level
- Supports presentations / communications to management or broader audience
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 and participates in knowledge sharing with the team and/or 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 potential cross training within own team
- Keeps team members informed and up to date about the status / progress of projects and/or all relevant or useful information related to day-to-day activities
- Develops relationships with internal and external business partners / stakeholders to develop productive working relationships
- Contributes to a fair, positive and equitable environment that supports a diverse workforce
- Acts as a brand ambassador for your business area/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.
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