The Associate Vice President, Anti‑Money Laundering (AVP, AML) supports the Chief Anti‑Money Laundering Officer (CAMLO) in the execution, operation, and ongoing enhancement of CTB’s enterprise Anti‑Money Laundering (AML) and Anti‑Terrorist Financing (ATF) Program. The AVP, AML is responsible for translating AML/ATF strategy, policy, and regulatory requirements into effective, sustainable operational practices, while providing second‑line oversight, advisory support, and constructive challenge across the organization. The role plays a critical leadership function in ensuring CTB maintains a sound, risk‑based AML/ATF Program aligned with regulatory expectations, internal risk appetite, and business strategy. The position acts as a key delegate and operational leader for the CAMLO and supports regulatory engagement, program governance, issue management, and enterprise reporting. What you’ll do: 1. AML / ATF Program Execution and Oversight Support the CAMLO in maintaining and operationalizing CTB’s AML/ATF framework, policies, standards, and procedures, ensuring effective and consistent implementation. Oversee day‑to‑day execution of AML/ATF program components across the organization. Contribute to periodic program reviews, effectiveness assessments, and control testing activities, escalating material issues and emerging risks to the CAMLO. 2. AML / ATF Risk Assessment and Control Management Support the identification, assessment, documentation, and ongoing monitoring of AML/ATF inherent and residual risks. Provide second‑line oversight and challenge of AML/ATF controls owned by business lines and operational teams. Track and monitor remediation of AML/ATF issues, audit findings, and regulatory observations, ensuring timely and sustainable resolution. Support enhanced due diligence (EDD) processes for higher‑risk customers and activities, including analysis and preparation of escalations requiring CAMLO review or approval. 3. Transaction Monitoring, Investigations, and Regulatory Reporting Oversee the operational effectiveness of customer due diligence, transaction monitoring, investigations, and AML/ATF reporting processes. Monitor system performance, data quality, and alert/investigation outcomes, escalating material deficiencies or adverse trends. Support the quality, completeness, and timeliness of regulatory reporting to FINTRAC, including trend analysis and program metrics. 4. AML Technology and Systems Transformation Lead and support the design, build, implementation, and ongoing enhancement of CTB’s AML/ATF technology ecosystem, including customer due diligence, transaction monitoring, investigations, and regulatory reporting platforms. Act as the AML program subject‑matter owner for system transformation initiatives, ensuring regulatory requirements, risk appetite, and control expectations are fully embedded into system design and functionality. Partner with Technology, Data, Operations, and third‑party vendors to define business requirements, model assumptions, scenarios, thresholds, and typologies, ensuring AML solutions are fit‑for‑purpose, explainable, and auditable. Contribute to development of a forward‑looking AML technology strategy, aligned with evolving financial crime risks, regulatory expectations, and CTB’s business growth. 5. Regulatory Support and Examination Readiness Act as a key delegate for the CAMLO in interactions with regulators and external stakeholders, including FINTRAC and OSFI (as applicable). Support preparation for regulatory examinations, audits, and independent reviews, including coordination of responses, documentation, and remediation planning. Monitor regulatory developments, supervisory guidance, and industry trends, assessing impacts to CTB’s AML/ATF Program and advising the CAMLO accordingly. 6. Reporting and Senior Management Support Prepare and coordinate AML/ATF reporting for Senior Management and Board Committees, including key risk indicators, program metrics, issue status, and emerging risks. Provide clear analysis and insight to support informed, risk‑based decision‑making. Escalate material AML/ATF issues, breaches, or control weaknesses through established governance channels. 7. Business Advisory and Change Enablement Partner with product, technology, operations, and delivery teams to ensure AML/ATF requirements are embedded into new products, services, technologies, initiatives, and process changes. Provide practical, risk‑based advisory support that balances regulatory compliance with business objectives. Support oversight of AML/ATF activities performed by shared services or third‑party providers, monitoring adherence to CTB expectations. 8. Training, Awareness, and Culture Support the development and delivery of AML/ATF training and awareness programs tailored to risk and role. Promote a strong risk and compliance culture across CTB by reinforcing accountability, escalation expectations, and ownership of AML/ATF risks. Serve as a subject‑matter resource for AML/ATF guidance across the organization. Leadership and People Management Lead, coach, and develop AML/ATF team members as assigned, setting clear objectives aligned with program priorities. Provide technical guidance, performance feedback, and support for capability development and succession planning. Foster strong collaboration across Risk, Compliance, Fraud, Operations, Technology, and Internal Audit functions. What you bring: University degree in Finance, Business, Risk, Law, or a related field; advanced degree and/or AML certification (e.g., CAMS, CFCS, CFE) preferred. 10+ years of experience in AML/ATF, financial crime compliance, or regulatory risk within a regulated financial services environment, including senior leadership experience. Strong knowledge of Canadian AML/ATF regulatory requirements (e.g., PCMLTFA, FINTRAC, and OSFI guidance where applicable). Proven experience delivering second‑line oversight, risk assessments, issue management, and regulatory engagement. Hands‑on experience with AML systems and technology transformation (transaction monitoring, CDD/EDD, investigations, regulatory reporting). Strategic thinker with the ability to balance regulatory compliance, risk management, and business growth objectives. Highly organized, detail‑oriented, and resilient in a dynamic, fast‑paced regulatory environment. Strong leadership, judgment, and executive communication skills, with the ability to influence, challenge, and partner effectively across the organization. #LI-RM1 This posting represents an existing vacancy within our organization. We may use artificial intelligence tools as part of our recruitment process to assist in the initial screening of resumes. All hiring decisions, including candidate evaluation, selection, and disposition, are made by human recruiters. About Us At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here. Our Commitment to Diversity, Inclusion and Belonging We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better. . Accommodations We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs. We are one of Canada’s most admired and trusted companies. With world-class owned brands and exciting market-leading merchandising strategies, we are continually innovating with purpose: to excite and serve Canadian customers from coast-to-coast. We are connected to communities, big and small, from coast-to-coast, offering products and services that reflect the diverse nature of every one of them. From sports to outdoors, automobiles to homes, we know and understand life in Canada like no other retailer can. We are always on the lookout for curious, creative people who are able to navigate and excel in a rapidly evolving retail environment. If you’re ready to take on new challenges – be it in digital, IT, marketing, data & analytics, merchandising, or one of the many other roles we have – there is a place for you here, so apply today.