AML Financial Crime Risk Oversight (FCRO) Analyst Co-op/Intern (Fall 2025)

Role Type:
Internship/Co-op

Work Term:
Fall/Term 1

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Pay Details:
$45,700 - $74,400 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:

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

• Connect and Learns on topics such as Innovation

• Diversity and Inclusion and Personal Branding and so much more

The Financial Crimes Risk Oversight (FCRO) team is accountable for establishing TD's Global Anti-Money Laundering and Anti-Terrorist Financing Program (AML/ATF) to ensure that all TD businesses remain compliant with AML/ATF regulatory expectations in all jurisdictions where TD operates . This includes ensuring that businesses are aware of the legislation under which they are governed and providing guidance, advice, and challenge, as required . The FCRO team is also accountable for promoting regulatory compliance by developing and maintaining AML compliance programs, including relevant training, carrying out independent oversight monitoring and meeting reporting requirements.

JOB DESCRIPTION

AML FCRO Analyst Intern will support the development and maintenance of a 2nd Line oversight program for the implementation of AML/ATF and sanctions controls in the business lines supported by the FCRO AML team. AML FCRO Analyst Intern will execute controls testing procedures, on behalf of the Head of AML, FCRO, work with business-facing Risk Advisors on the FCRO AML team to assess the effectiveness of AML/ATF and sanctions controls and identify potential areas of improvement for the first line AML/ATF/Sanctions program.

As part of the Monitoring team, the AML FCRO Analyst Intern will help improve the overall culture of AML/ATF and Sanctions compliance by gauging the effectiveness of the AML/ATF controls and provides management with understanding of key issues in their businesses, by:

1. Conducting maturity assessments on multiple 1B teams, which includes assessing the overall design of 1B programs on multiple aspects such as scope, sampling methodology , AML evaluation, reporting and remediation.

2. Conducting ongoing reperformance on multiple 1B teams to ensure key AML/ATF and sanctions controls are designed and operating effectively on an on-going basis. This includes reperforming samples taken from 1B QA AML testing to assess the 1B's effectiveness in their governance and oversight in ensuring controls are effectively mitigating AML risks.

3. As part of the Oversight function, the Monitoring team will assist with Ad-hoc tasks which can include a wide range of issues from our partners as they arise. The Monitoring team will assist with assessing the design and controls for upcoming product offering/changes and procedure changes and confirm if action plans/issue closures are supported through data analytics and validation testing.

These activities provide an individual with depth and experience on effective monitoring and testing. The concepts are so foundational however, can be leveraged not just in the assessment of a testing team but across multiple disciplines.

JOB REQUIREMENTS

• 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 a t the start of your work term

• A curious and inquisitive mindset, with a proven ability to work effectively in a cross-functional, fast-paced, and evolving environment.

• Excellent business acumen and good understanding of risk and controls evaluation processes such as those for financial reporting or operations.

• Strong critical thinking, organizational and problem-solving skills

• Superior writing skills with the ability to draft superior quality assessments/reports, policies, procedures, and business correspondence

• Ability to derive insights from complex data into reports and presentations for dissemination to an executive audience

• Background in First- or Second-Line governance (AML, Compliance, Audit, or Risk) functions

• An understanding of Canadian Personal and Business Banking processes

ADDITIONAL INFORMATION

• This position is a 4-month work term and will commence September 2 nd - December 1 9 th , 202 5 .

• 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.

HOURS

Monday-Friday, standard business hours

INCLUSIVENESS

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. 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.

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

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. 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 committed to helping you identify opportunities that support your goals.

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