Job details
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The Anti- Money Laundering Representative III performs variety of money laundering detection related activities in support of Bank Secrecy Act (BSA) and/or Anti-Money Laundering (AML) regulations designed to prevent financial-related crimes against the government. May specialize in BSA and/or AML areas.
AML Operations Representative III - CTR
AML Operations Representative III - CTR
427038BR
Job Category - Primary
Anti-Money Laundering / Compliance & Regulatory Relations
Work Location
151 Corley Mill Road, Bates Mill #3 (140 Mill Street), Mt Laurel - Operations Center Bldg 1 - 9000 Atrium Way
Employment Type
Regular
City
Lewiston, Lexington, Mount Laurel
Time Type
Full Time
State
Maine, New Jersey, South Carolina
Hours
40
Pay Range
$22.00 - $32.50 hourly
Job Details
The Anti- Money Laundering Representative III performs variety of money laundering detection related activities in support of Bank Secrecy Act (BSA) and/or Anti-Money Laundering (AML) regulations designed to prevent financial-related crimes against the government. May specialize in BSA and/or AML areas.
Job Requirements
- Performs a broad range of tasks and follows established procedures to identify and implement the most suitable solution
- Independently performs tasks from beginning to end under general management supervision
- May lead activities of unit, assigning, prioritizing and monitoring work
- Provides direction and answers questions as needed
- Provides technical guidance and assists staff with most complex aspects of work as necessary
- Resolves escalated issues and problems by conferring with staff, other internal departments, outside contacts and others as necessary
- Provides training and mentoring for new and less experienced staff
- Conducts transaction analysis in accordance with internally established guidelines
- Performs a variety of BSA research activities. Researches discrepancies sent back from the IRS
- Reviews daily cash transaction reports from the branches
- Reviews teller journal and verifies that transactions were definitely in cash and not by check
- Reviews Customer business and personal activity to understand what occurred and who benefited from the transaction
- Obtains name, occupation, social security number, date of birth and other information about beneficiary; Develops complete picture of what happened and who was involved, including possible "structuring" of transactions to avoid reporting thresholds
- Verifies that armored car pickups correspond with account deposits
- Researches accommodation banking transactions among banks in different states
- Performs a variety of AML information gathering activities as part of AML regulations to stop illegally obtained cash from entering the legitimate financial system
- Obtains information on a variety of transactions, including wires, ATM's, foreign, international, debit card and others
- Gathers screen prints of bank statements, signature cards, loan documents and other information and obtains additional materials at direction of investigators
- Ensures currency transaction reports (CTR USA or LCTR - Canada) and suspicious activity reports (SAR) or suspicious transaction reports (STR) are filed in accordance with regulatory requirements
- Sends regular transaction reports and follow up to the IRS; Maintains and updates information in transaction reporting system
- Provides branch management, bank presidents, various risk committees and others with BSA related information, including branch error rate reports
- Forwards suspicious transactions and supporting information to investigators for further review
- Provides BSA training and information to branches and branch support area
- Sorts and scrubs data in preparation for analysis
- Reviews cash transactions primarily over $10K, as well as those possibly structured to avoid transaction thresholds
- Runs information against OFAC, OSFI terrorist watch list and various other Customer data to flag potential problems
- Must be eligible for employment under regulatory standards applicable to the position.
Qualifications
- High School Diploma or GED
- 1+ Years of related experience
- Strong knowledge of and ability to explain CIP (Customer Identification Program), BSA and/or AML regulations, requirements and procedures
- General investigative and business sense to distinguish between typical transactions and suspicious activity
- Research and analytical ability to review information and draw appropriate conclusions
- Excellent Customer service skills, including ability to deal professionally with branch issues, problems and questions
- Strong attention to detail, accuracy and good organizational skills
- Proven ability to coordinate a varied workload, meeting deadlines as required
- Excellent communication skills, including verbal, phone and writing skills
- PC skills, including ability to use various searchable databases
- Displays flexibility in adapting to change
- Responds quickly to new instructions, situations, methods, and procedures
- Eager to accept challenging assignments
- Capability to handle stressful situations
Company Overview
Our Values
At TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.
Making Your Well-being a Priority
A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
How We Work
At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they’ll always have access to the TD community to experience our culture of care.
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.
At TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.
Making Your Well-being a Priority
A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
How We Work
At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they’ll always have access to the TD community to experience our culture of care.
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.
Inclusiveness
Our Commitment to Diversity, Equity, and Inclusion
At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
Accommodation
If you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
How We're Helping Make an Impact in Communities
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.
We look forward to hearing from you!
At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
Accommodation
If you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
How We're Helping Make an Impact in Communities
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.
We look forward to hearing from you!
Business Line
TD Bank AMCB
Job Category(s)
Anti-Money Laundering / Compliance & Regulatory Relations
Country
United States
State (Primary)
Maine
City (Primary)
Lewiston
State #2
New Jersey
City #2
Mount Laurel
State #3
South Carolina
City #3
Lexington
Job Expires
27-Dec-2023
By
TD
As a top 10 North American bank, TD aims to stand out from its peers by having a differentiated brand – anchored in our proven business model, and rooted in a desire to give our customers, communities and colleagues the confidence to thrive in a c...
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DATE POSTED
December 15, 2023
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