Job Description What is the opportunity? Supports the Money Service Business (MSB) Director, High Risk Client Management (HRC) by providing tactical direction and end-to-end ownership and execution of core risk decisions related to the identification, review, management, and escalation of higher risk clients including the risk assessment and enhanced due diligence (EDD) processes to mitigate against financial, regulatory, reputational, and legal risks at RBC using a risk-based approach. This role also requires the following: maintaining responsibility for the identification, confirmation, management, and approval process for the on-boarding and periodic review and assessment of high risk clients, as required; assisting the Director, in maintaining, creating, and communicating enterprise HRC policies, processes, control standard, guidelines, and risk position papers; and managing a team of approximately 4 staff. This role specializes in managing the risks related to clients operating in Money Services Businesses, Third Party Payment Processors (Payment Service Providers), Crowd Funders, Armoured Car Carriers and Cheque Cashers. What will you do? Oversee the prioritization and management of HRC EDD risk assessment workflow for units supported by the HRC Team and ensure that the requirements of the RBC Enterprise AML Client Risk Management Policy (COMP17) and Control Standards (COMP17A) are executed consistently in EDD; Partner with relevant stakeholders to ensure that HRC risk assessments are appropriately coordinated, routed, and escalated where relevant, using a risk-based approach; Responsible for the oversight of timely, accurate, and complete files across the HRC Team, including the consistent and standard use of the case management tool, approval matrix, etc. Create an environment and culture that allows us to attract and retain high performing employees; Help individuals and teams achieve high performance through building capabilities, and effective coaching (including Observational Coaching techniques specifically) and performance management; Provide candid and actionable feedback, coaching and development on progress toward goals and behaviours exhibited to achieve outcomes through regular check-ins to support the Growth Mindset, and a focus on living RBC values; Assess training and development needs of the team and related High Risk Sectors teams based on the requirements of the role; Complete mandatory RBC training on a timely basis and keep abreast of current industry knowledge, best practices, and skills sets relevant to AML/CTF, and other related regulatory matters in support of the analyst role; Assist the Director, HRC in creating, reviewing, or maintaining HRC policies and procedures; Liaise and partner with the Risk Strategy & Analytics and Program & Innovation Teams, as well as other internal partners. What do you need to succeed? Must-have Post-secondary education or equivalent experience Knowledge of AML regulatory obligations on both Money Services Businesses and the Financial Institutions that bank them, including the PCMLTA and PCMLTFR, as well as other AML-related legislation in Canada / US, OSFI, OFAC, OCC, Bank Act, CPA, IDA/OSC, BSA, PIPEDA. Strong Financial Crimes and AML knowledge to prevent the use of RBC’s financial services for money laundering and terrorist financing. All responsibilities carried out in accordance with Code of Conduct, RBC Values and Guiding Principles ensuring adherence to Privacy principles. Effective and extremely strong written and oral communication skills. Highly developed organizational skills and the ability to work within strict deadlines. Skilled in Microsoft Office Outlook, Excel, Word applications. – (Level 2 or above). Nice-to-have CAMS designation Awareness of general RBC banking products, requirements, and non-AML banking regulations. What’s in it for you? We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual. A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation Ability to make a difference and lasting impact Work in a dynamic, collaborative, progressive, and high-performing team Opportunities to take on progressively greater accountabilities Job Skills Anti-Money Laundering (AML), Business Perspective, Communication, Decision Making, Financial Regulation, Interpersonal Relationship Management, Operational Integrity, Organizational Governance, Process Management, Strategic Thinking Additional Job Details Address: 20 KING ST W:TORONTO City: Toronto Country: Canada Work hours/week: 37.5 Employment Type: Full time Platform: GROUP RISK MANAGEMENT Job Type: Regular Pay Type: Salaried Posted Date: 2026-07-16 Application Deadline: 2026-07-31 Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above Our Employment Opportunities At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all. Join our Talent Community Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you. Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com. RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail. Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 84,000+ employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada’s biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to more than 16 million clients in Canada, the U.S. and 34 other countries. Learn more at rbc.com.‎ We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at rbc.com/community-social-impact.