Senior Financial Crime Risk Analyst (4567)

About the role

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Financial Crime Risk Management Pay Details: $81,600 - $115,200 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: The L09 Quality Assurance Senior Analyst performs advanced quality assurance reviews of Financial Crime Investigations (FCI) conducted by the FCI teams, with a primary focus on complex, high-risk, and sophisticated financial crime cases. In this role, the Senior Analyst conducts a comprehensive review of investigative files, including transaction activity, customer information, investigative analysis, and supporting documentation, to assess whether investigative procedures were appropriately executed and conclusions are supported by sufficient evidence. The analyst evaluates the investigator's analysis of suspicious activity, including whether investigative findings reasonably support the determination of reasonable grounds to suspect (RGS) and whether regulatory reporting decisions - including the filing of STRs to FINTRAC have been appropriately made. Where STRs have been filed, the Senior Analyst reviews the investigative narrative and supporting documentation to ensure the reporting is clear, well-supported, and sufficiently detailed such that an independent third party could reasonably understand the investigative rationale and arrive at the same conclusions. Given the complexity and regulatory sensitivity of the cases reviewed, the Senior Analyst plays a critical role in ensuring that investigative outcomes are defensible, analytically sound, and aligned with TD standards and applicable regulatory requirements. The role also serves as a subject matter expert (SME) resource within the QA function, supporting consistency in investigative quality standards and providing insight on complex investigative matters where enhanced analytical judgment is required. KEY ACCOUNTABILITIES: CUSTOMER Conduct advanced quality assurance reviews of investigations completed by Financial Crime Investigators, including investigation that resulted in no STR filings as well as investigations resulting in STR submissions and other risk mitigation activities (e.g., customer exit recommendations, etc.). Review investigation files, including transactional activity, customer profiles, investigative analysis, and supporting documentation, to assess whether investigative procedures were appropriately executed and conclusions are supported by sufficient evidence. Evaluate whether the investigator's determination of suspicious activity appropriately meets the reasonable grounds to suspect (RGS) threshold and whether regulatory reporting decisions, including Suspicious Transaction Reports (STRs) submitted to FINTRAC, are appropriate and defensible. Ensure investigative documentation and regulatory reporting narratives are clear, concise, and sufficiently detailed, such that an independent third party could reasonably understand the investigative rationale and reach the same conclusion. Identify and analyze key drivers of quality issues observed during QA reviews and provide structured, value-added feedback to investigators and investigative teams to support continuous improvement. Escalate potential regulatory breaches, control weaknesses, or investigative deficiencies identified during QA reviews in accordance with established escalation protocols. Provide subject matter insight on complex investigations, supporting consistency in investigative quality and regulatory reporting practices across Financial Crime teams. SHAREHOLDER Manage and prioritize assigned quality assurance engagements to deliver timely, high-quality reviews of complex financial crime investigations in accordance with established QA standards and timelines. Apply strong analytical judgment to assess investigative quality, and regulatory reporting decisions, ensuring outcomes are well-supported and aligned with internal policies and regulatory expectations. Identify systemic issues, emerging risks, or process weaknesses observed through QA reviews and contribute insights to support enhancements to investigative practices, procedures, and internal controls. Contribute to the analysis, due diligence, and implementation of process improvements and efficiency initiatives within the QA function. Maintain st

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