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:
Department Overview
The Tier 1 Surveillance Teams within PWM Wealth Business Controls is responsible for managing the TD risk structure framework as defined as a first line of defense / 1A delegated function for the FP business for TD Wealth. The team's core mandate is to fulfill CIRO Tier 1 regulatory accountabilities while supporting broader business controls and market integrity. Through a risk-based program focused on Account Activity Monitoring, Surveillance provides coverage of applicable CIRO rules, internal policies, and Universal Market Integrity Rules (UMIR), enabling the timely identification, investigation, and escalation of potential risks across the business
Job Description
Reporting to the Senior Manager or Manager, FP Business Surveillance, the Surveillance Analyst (SA) is responsible for executing against a broad range of surveillance and regulatory activities including select Tier 1 supervision accountabilities for the FP LOB. As a regulatory subject matter expert, they are accountable for addressing regulatory and compliance related matters, with particular focus on requirements of the Canadian Investment Regulatory Organization (CIRO), Anti-Money Laundering and Anti-Terrorist Financing (AML/ATF) regulations, and Canada’s Privacy Act.
Accountabilities
Detailed accountabilities and objectives within this role include, but are not limited to the following:
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- Conduct effective and timely Tier 1 supervision of client account activity, as defined in a centralized structure. As an example, the position will be responsible for daily trade supervision as well as monthly account supervision.
- Ensure trading and account activities are within CIRO regulations by reviewing daily & monthly trading activities and identifying / reporting any unusual trading or account activity.
- Conduct effective and timely review of numerous business reports (e.g., CRM Securities Deposit & Transfer Reports, TD Premium Oversight Reports), disseminate relevant information to business partners and ensure spot checks are conducted & follow up as necessary.
- Use available tools to track, trend and investigate areas of possible regulatory and/or business risk; reach sound conclusions and recommendations based on that analysis and communicate those effectively to Senior Regional Managers and/or Senior Manager/Manager
- Support Financial Planners (FPs), Senior Regional Managers, and management in the timely resolution of outstanding items by providing guidance, education, and direction aligned with established policies and procedures.
- Using the Email Supervision tool, the SA will Conduct Tier 1 Supervisory review of Registrants electronic communications to ensure they are compliant with CIRO regulations. Escalate appropriately any findings where there may be misconduct / concerns
- Provide a source of information for management by investigating enquiries, providing details as required to assist in investigations and responding to various management requests on a timely basis
- Perform Strict Supervision reviews, as required, including detailed assessments of daily trading activity, escalation of concerns to Senior Regional Managers (SRMs) and business partners, and preparation of monthly summary reporting to support oversight.
- Communicate effectively on compliance related matters within TD Wealth to achieve effective regulatory oversight.
- Maintain extensive knowledge of regulatory, compliance and operational requirements.
- Contribute and share ideas by proactively engaging with the team and the management
- Participate fully as a member of the team and contribute to a positive work environment
- Assist with presentations and training/information sessions to peer group
- Assist with special projects, or investigations, as required.
- Other duties as assigned.
Technical Requirements
- Undergraduate Degree or Community College Diploma preferred.
- Licensed with Canadian Investment Regulatory Organization (CIRO) as an Investment Representative or Registered Representative
- Minimum of 2 years Relevant Experience
- CIRE - Canadian Investment Regulatory Exam
- RSE - Retails Securities Exam
- Supervisor Exam
Skills
- Ability to read/write/speak French would be an asset
- Compliance, including AML/ATF compliance, legal, business management, internal audit, regulatory or risk management experience in the financial services sector.
- Sound knowledge of the TD Wealth (FP) business
- Experience with Actimize and/or Smarsh would be an asset
- Strong communication, interpersonal and organizational skills
- Detail oriented, highly organized, and able to work in a fast-paced, dynamic environment
- Ability to work independently, think critically and make decisions
- Proficient with MS Office
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 expert
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