DEPARTMENT OVERVIEW

Co-op and Internship opportunities allow you to gain valuable work experience across a number of the businesses at TD. You will work with experienced colleagues, receive world class training, and be part of a community of students across TD, where you will have an impact, grow as individual and experience our culture of care.

Our Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features:

• Leadership talks with key Leaders from across the organization

• Lunch and Learns on topics such as Innovation

• Diversity and Inclusion and Personal Branding and so much more

The Senior Financial Crime Risk Management Analyst, KYC High Risk Reviews performs second line

Enhanced Due Diligence (EDD) reviews for high-risk customers. This role is responsible for identifying,

assessing, and mitigating financial crime risks, ensuring compliance with regulatory requirements, and

providing expert recommendations on complex matters. This role requires discretion, independent

judgment, and specialized knowledge of anti-money laundering (AML) regulations and financial crime risk

management practices.

The Financial Crimes Risk Management (FCRM) Know Your Customer (KYC) Program Team is

responsible for the establishment and ongoing oversight of an effective KYC Program for TD Bank. The KYC Program Team is tasked with setting consistent requirements for the bank to reasonably 'know its customers' and evaluate the risks associated with a customer relationship throughout

the customer lifecycle.

The primary responsibility of the KYC High Risk Reviews team is to execute enhanced due diligence (EDD)

reviews for high-risk customers at the bank. The team is responsible for managing procedures and

escalations related to high-risk customers, including analysis of customer behavior and activity of concern,

in compliance with KYC policy and regulatory requirements. The team engages with the 1st line of defense

on the outcomes of EDD reviews, management of issues, and guidance related to high-risk customer types

and associated activity.

JOB DESCRIPTION

• Depth & Scope: Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers at onboarding, periodic review, and event driven reviews, ensuring compliance with internal policies and external regulations

• Reviews customer risk factors/indicators, and acts as a subject matter expert to understand and assess the identified customer risk and how it relates to the Bank products/services to further determine if those risks can be mitigated

• Responsible for documenting the assessment and providing a recommendation based on the independent analysis to maintain and/or onboard the customer

• Evaluates and assesses customers' source of funds, business activities, ownership structures, and other risk factors

• Reviews, assesses, and analyzes customer transactional activity to determine if customer's activity is aligned to the customer KYC profile and expected use of customer's accounts

• Engages with the 1st line of defense on the outcomes of EDD reviews and guidance related to high-risk customer types and associated activity

• Ensures adherence to AML regulations

• Proactively identifies trends and emerging risks in high-risk customer profiles, escalates issues and recommends controls or mitigation measures

• Maintains up-to-date knowledge of regulatory changes and industry best practices, applying this expertise to enhance the KYC program

• Prepares detailed, well-documented EDD risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators

• Provides data-driven insights and recommendations for process improvements, ensuring the effectiveness of the high-risk customer review process

• Collaborates with internal stakeholders to address gaps or deficiencies in KYC or financial crime risk management frameworks

• Serves as a subject matter expert (SME) on KYC and EDD processes for high-risk customer reviews, providing training and guidance to junior analysts or team members

• Represents the Financial Crime Risk Management team during internal and external audits or regulatory examinations

• Leads projects or initiatives focused on enhancing the bank's high-risk customer review processes and risk mitigation strategies

• Utilizes independent judgment to develop and implement policies, procedures, and best practices for high-risk customer management

• Supports the Group Manager by assisting with day to day tasks and acting as a delegate as needed

JOB REQUIREMENTS

We’re proud to work with a group of diverse colleagues. If you have relevant experience that isn’t mentioned

below, tell us about it in your resume or cover letter.

• Currently enrolled in an undergraduate degree in Finance, Accounting, Analytics, Data, Business/Commerce or related field

• Must be enrolled in an undergraduate degree with the intent of going back to school at the start of your work term (requirement of all co-op/intern positions)

• Demonstrated expertise in high-risk customer reviews and regulatory compliance

• Strong analytical, problem-solving, and decision-making skills

• Excellent written and verbal communication skills, with the ability to present complex findings to stakeholders

• Proficiency in Microsoft Office Suite

• Ability to exercise significant discretion and independent judgment in assessing and managing risks

• Ability to manage multiple high-priority tasks and deliver results under tight deadlines

• Demonstrated leadership or project management experience preferred

ADDITIONAL INFORMATION

• This position is a 4-month work term and will commence May 4th until August 21st 2026.

• Applications must include a transcript, cover letter (one letter-sized page or less) and a resume (maximum of 2 pages).

• We welcome all applications; however, we will only contact qualified candidates chosen for an interview. Thank you for your interest.

• TD requires employees to reside in the country where the role is located, irrespective of remote working arrangements

• TD is committed to providing you with the best candidate experience and internship in these unique circumstances. As such, work location and start dates are subject to change.

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.

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.

Whether you have a passion for helping customers and want to expand your experience, or you want to coach

and inspire your colleagues, there are many different career paths within our organization at TD – and we’re