Senior Financial Crime Risk Business Oversight Analyst

Work Location:

Singapore, Singapore

Hours:

40

Line of Business:

Financial Crime Risk Management

Pay Details:

We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

The Senior Analyst, APAC FCRM – Risk & Control is responsible for the design, execution, and continuous enhancement of Financial Crime Risk Management (FCRM) control frameworks across APAC, with a focus on ensuring effective risk identification, control testing, and regulatory compliance across AML, Sanctions, and related risk domains.

The role operates as a second line of defence control specialist, responsible for independent monitoring, risk assessment, control challenge and analytical support, while partnering with business lines and control functions to enhance financial crime frameworks.

In line with the APAC FCRM Target Operating Model, the role contributes to the Risk & Control pillar through monitoring & testing, EWRA support, transaction monitoring and screening oversight, and control framework enhancement

The role requires sound judgement, the ability to operate independently, and the capability to provide objective challenge and recommendations on control effectiveness and risk exposure.

Key Responsibilities:

Independent Monitoring & Control Oversight

• Execute independent second line monitoring and testing of AML/ATF, sanctions and ABAC controls across assigned portfolios. 
• Assess control design and operating effectiveness across key processes (CDD, payments, trade finance, surveillance, gifts & entertainment).
• Provide objective, evidence‑based opinions on control adequacy, including identification of gaps and enhancement opportunities.
• Ensure monitoring results are clearly articulated, risk‑rated and escalated appropriately.

Risk Assessment & Analytical Support

• Support and contribute to Enterprise-Wide Risk Assessment (EWRA) processes, including risk identification, assessment and documentation.
• Participate in RCSA and scenario analysis, assessing risk exposure and control coverage.
• Analyse risk trends, control outcomes and KRIs to identify emerging financial crime risks.
• Provide analytical insights and recommendations to enhance control frameworks.

Transaction Monitoring & Screening Oversight

• Perform oversight of transaction monitoring frameworks, including:
  • Alert quality reviews.
  • Scenario performance and coverage assessment.
  • Identification of false positive / false negative risks.

• Support first level QA and second level reviews where applicable
• Contribute to screening and list management governance ensuring completeness and control integrity.
• Recommend improvements to detection scenarios, thresholds and investigations processes.

Issue Identification, Escalation & Resolution

• Identify and escalate control weaknesses, breakdowns and emerging risks.
• Support management of issues through to resolution, including validation of remediation actions.
• Ensure timely escalation of non‑standard, high‑risk matters and suspicious activity indicators.
• Provide independent challenge on proposed remediation actions.

Business & Stakeholder Engagement

• Partner with Business Lines and Corporate Functions to:
  • Provide guidance on AML/ATF/Sanctions/ABAC requirements.
  • Support implementation of effective controls.

• Act as a key SME contact for assigned portfolio on risk and control matters of moderate complexity.
• Collaborate with internal stakeholders (Operations, Technology, Audit, Compliance partners).

Regulatory, Audit & Reporting Support

• Support responses to regulatory requests, audits and examinations. 
• Prepare and deliver management reporting and analysis on financial crime risks and control effectiveness.
• Maintain awareness of emerging regulatory expectations and industry practices and assess impacts.

Systems, Data & Change Initiatives

• Provide SME input into FCRM system changes, including UAT and post‑implementation validation.
• Assess data quality and system outputs used in monitoring and screening controls.
• Support enhancements to FCRM systems and control frameworks.

Required Skills, Qualifications & Experience

• 5–8 years’ experience in AML/FCRM, compliance, or risk management.
• Demonstrated experience in:
  • Control testing / monitoring.
  • Transaction monitoring or sanctions screening.
  • Risk assessments (EWRA / RCSA).
• Strong understanding of:
  • AML/ATF, sanctions and ABAC frameworks.
  • Control design and effectiveness assessment.

• Working knowledge of capital markets products and transaction flows.
• ACAMS or equivalent professional certification preferred.
• Ability to independently assess control effectiveness and articulate risk .
• Strong analytical capability and problem solving.
• Ability to provide objective challenge to business and partners.
• Sound judgement in risk identification and escalation.
• Effective stakeholder communication.

Who We Are

TD Securities 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 investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs.

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.
 
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 

If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.