Work Location

Toronto, Ontario, Canada Hours: 37.5 Line of Business: Financial Crime Risk Management Pay Details: $155,000 - $215,000 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 AVP, Policy and Regulatory Change is responsible for the strategic development, governance and lifecycle management of Canadian and European/Asia Pacific (EAP) financial crime risk management policies, standards, and guidelines. This role supports the global FCRM Policy function and is responsible for supporting the organization's global strategy, ensuring alignment with TDBG global frameworks, the Bank's risk appetite, and all applicable jurisdictional laws, rules, and regulations. The AVP will lead policy governance activities end-to-end – from environment scanning and emerging regulatory trend analysis, through definition and documentation of requirements, to implementation oversight. The role supports a global FCRM policy framework and serves as a key liaison between Canadian and EAP business lines and FCRM functions, regulators, and industry associations, representing the Bank's interest and advocating for sound regulatory and industry practices.

Accountabilities

Leads the development, maintenance and governance of Canadian financial crime risk management (FCRM) policies, standards, and guidelines, ensuring alignment with global policies and the Bank's enterprise risk and compliance frameworks, and compliance with applicable laws, rules, and regulations. Provides subject matter expertise and credible challenge to the definition of globally applicable FCRM policy requirements. Oversees the policy lifecycle in Canada and EAP, including drafting, socialization, approval, and implementation of policies and standards. Translates global standards and risk appetite into jurisdictional policy requirements that reflect local laws, regulations and business operations. Monitors and assesses the external regulatory environment to identify and evaluate regulatory developments and emerging risks. Provides regulatory analysis and interpretation of emerging legislative, regulatory, supervisory and industry developments, including assessment of impacts to the Canadian, International, and Global FCRM program and escalation of significant matters through established governance forums and leadership routines. Leads or supports advocacy efforts with Canadian government agencies, regulators, and industry associations to help shape effective and pragmatic financial crime regulations, in consultation with the VP, Governance and Regulatory Affairs for FCRM Canada. Oversees the regulatory change management process for FCRM Canada and EAP, ensuring timely assessment of new or amended regulatory requirements and effective implementation across impacted business units. Remains current on industry rules, regulations, and best practices to help ensure FCRM Policies and Standards meet regulatory standards. Serves as a subject matter expert and trusted point of contact for inquiries on regulations and requests relating to FCRM policies. Effectively partners with Canadian and EAP business segments and financial crime risk management teams to assess impacts of new or amended policies and standards and inform appropriate implementation activities Supports the definition of global control requirements and works with Business Segments and FCRM to ensure incremental jurisdictional requirements are addressed locally. Maintains deep expertise in Canadian and International financial cime regulatory requirements (e.g., AML/ATF and Sanctions), and provides regulatory interpretation, consultation, subject matter expertise and credible challenge to business and functional partners. Leads a team of professionals responsible for policy development and maintenance, regulatory analysis , and governance Assesses team core competencies on an ongoing basis and supplements with appropriate expertise where needed. Develops and maintains strong relationships across global and local teams to drive alignment, clarity, and effective implementation of policy requirements. Leverages a risk mindset to proactively identify risks, analyze themes, and continually evaluate areas of priority against the TD’s risk profile and control environment. Actively pursues effective and efficient operations of their respective areas in accordance with TD Bank's Values, its Code of Conduct, and the Global Sales Principles, while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/Sanctions and Conduct risk.

Skills, Education & Experience

Bachelor's degree required or equivalent experience Juris Doctorate or Master's degree strongly preferred. CAMS certification is an asset - certified as an Anti-Money Laundering Specialist by ACAMS or equivalent AML certification/license. 10+ years' experience in financial crime risk management, compliance, legal or regulatory affairs within a major financial institution. Deep understanding of Canadian financial crime legislation and regulatory frameworks. Working knowledge of global financial crime legislation and regulatory expectations. Deep understanding of securities regulations and product types. Proven experience in policy development, governance and regulatory change management. Experience engaging with regulators and industry associations on legislative and regulatory matters. Detail-oriented and organized with the ability to maintain attention to detail. Strong strategic thinking, analytical, critical reasoning and communication skills. Proven ability to to distill complex regulatory requirements into practical, risk-based policy. Proficient in MS Office. Excellent written and oral communication skills. Creative problem-solver with high level of learning agility and initiative. Proactive, curious and adaptive leader who anticipates change and drives continuous improvement. Deep commitment to maintaining the highest standards of ethics and integrity. Strong leadership qualities with the ability to assess and develop individual skills of team members by providing timely constructive feedback. Excellent interpersonal skills and ability to work effectively with colleagues across regions and business units.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only)

Sans Objet