Financial Crime

• Conduct and complete risk-based investigations into individual and legal entity clients using transactional information, open-source research and client documentation
• Determine investigation outcomes regarding the requirement to complete Suspicious Transaction Reports (STRs) with FINTRAC
• Prepare STRs, including entering transactional data from investigations into FINTRAC reporting software
• Maintain accurate records of investigative actions and outcomes in line with internal policies and regulatory requirements
• Advise supervisors, management and internal stakeholders on investigative outcomes
• Provide support to supervisors and VPs, Compliance
• Provide input for processes and procedures to assist the firm in meeting regulatory requirements
• Perform time-sensitive tasks, including year-end and regulatory audit inquiries, in response to regulatory and internal stakeholder inquiries
• Handle internal and external queries efficiently to promote business and profitability
• Document queries and results to target and resolve potential deficiencies

AML Analyst

• Conduct second line of defence (2LoD) oversight testing of RBC Financial Crime units and controls across Canada and the Caribbean regions
• Facilitate business process and control walkthroughs
• Assist in drafting test plans
• Create and execute operational and design effectiveness testing and related working papers
• Identify issues, develop and validate issue action plans, and aid in executive reporting
• Identify risks, trends, themes, and systemic breakdowns within FC AML and operational controls
• Perform oversight testing to identify and analyze potential deficiencies or control gaps
• Conduct test planning, fieldwork, reporting, and issues management for key FC programs and in-scope business processes and controls
• Maintain communication and engagement with management and stakeholders on testing engagements
• Establish, develop, and maintain relationships with internal and external partners
• Identify emerging risks relevant to compliance testing practices, FC programs, and controls
• Identify areas requiring enhancement and efficiency within the testing program
• Participate in strategic discussions to drive efficiency and productivity through testing initiatives

Manager, Financial Crimes Oversight Testing

• Design, develop, and maintain automated workflows, applications, dashboards, and reporting solutions using Microsoft technologies
• Use Power Automate, Power Apps, Power BI, Copilot, and SharePoint to improve operational efficiency, strengthen controls, and enhance data quality
• Apply data analytics and visualization techniques to generate insights for executive and management decision-making
• Support the development, execution, and continuous enhancement of the FCRM governance automation roadmap and strategic initiatives
• Contribute to FCRM automation forums and working groups by coordinating meetings, preparing materials, tracking actions, and monitoring progress
• Collaborate with FCRM stakeholders to gather requirements and translate business needs into scalable automation solutions
• Review and challenge business requirements for strategic alignment, governance compliance, and long-term sustainability
• Complete and maintain governance, risk, and control assessments and supporting evidence
• Conduct solution testing, validation, and quality checks
• Monitor and maintain automation solutions, identify enhancements, and resolve issues
• Develop procedures, user guides, training materials, job aids, and technical specifications
• Track emerging technologies, industry trends, and leading practices in automation, artificial intelligence, data analytics, and Microsoft platforms
• Build relationships with business, governance, technology, and risk stakeholders
• Promote innovation, continuous improvement, data-driven decision-making, and responsible AI adoption across FCRM

Senior Financial Crime Risk Analyst

• Conduct independent quality assurance reviews of complex Financial Crime Risk Management activities
• Ensure adherence to regulatory requirements, internal policies, procedures, and quality standards
• Provide effective challenge, identify risks and control gaps, and support remediation efforts
• Contribute to enhancement of QA methodologies and practices
• Advise FCRM stakeholders and teams on enterprise FCRM programs, requirements, changes, and enhancements
• Work with Compliance, Legal, Risk, and related groups on documentation and reports
• Conduct research, assess FCRM risks and controls, and interact with key stakeholders
• Manage policy and training exemption governance and reporting processes
• Assist team members with the Issues and Events system
• Prepare summaries, presentations, briefing notes, and other FCRM status documentation
• Provide FCRM subject matter expertise and advice to business partners
• Develop and deliver training programs
• Analyze and assess FCRM program activities and recommend improvements
• Support risk assessment tools and training activities
• Participate in product initiatives and FCRM-level projects
• Coordinate application of FCRM programs and standards across the enterprise
• Monitor industry developments and evolving regulatory requirements
• Support audits, regulatory reviews, exams, and investigations
• Coach and educate others as a senior analyst and subject matter expert
• Recommend and implement solutions for operational, reporting, process, and analysis issues
• Provide advanced analysis and specialized reporting
• Represent the group as lead or subject matter expert on projects and meetings
• Generally report to a Manager or Senior Manager, Specialized FCRM

• Analyze and assess fraud and AML alerts, including detailed review of client records and account activity
• Collaborate with internal and external stakeholders, including other financial institutions
• Document investigation actions and information reviewed to maintain case files
• Draft complete and concise investigation reports and regulatory filings
• Remediate fraudulent or suspicious activity according to regulatory and internal policies
• Identify opportunities to enhance internal policies, procedures, and controls through fraud case analysis and business process review
• Monitor high-risk clients
• Provide fraud and AML guidance and clarify requirements to stakeholders
• Support compliance initiatives as needed
• Report to the Manager AML Compliance

Financial Crime Analyst

• Serve, prospect for, solicit, and develop and maintain business relationships with members and clients
• Sell life and health insurance products and services through multiple distribution channels based on member/client needs and current strategies and practices
• Promote and sell financial security products and services
• Analyze member/client needs and develop personalized solutions
• Ensure member/client satisfaction and service quality in accordance with the organization’s standards and procedures
• Support current and potential members and clients
• Represent the organization and help negotiate agreements with clients

Financial Security Advisor, Life and Health Insurance

• Provide Financial Crime Risk Management (FCRM) research, evaluation, operational, reporting and analytical support
• Coordinate requests to and from FCRM business partners
• Prepare summaries, communications, reports and presentations for management, regulators and stakeholders
• Recommend responses to enterprise FCRM Program questions and escalate sensitive issues
• Analyze data and draw conclusions for program health reporting
• Analyze regulatory and departmental trends and recommend enhancements or remediation
• Identify matters requiring additional review or escalation and liaise with appropriate staff
• Coordinate tracking and reporting of FCRM initiatives and programs
• Acquire and apply FCRM expertise and provide guidance to FCRM partners
• Coordinate with FCRM and compliance partners to ensure consistent application of FCRM
• Prioritize and manage workload to meet service-level requirements
• Support team knowledge transfer, cross-training, coaching and guidance
• Keep stakeholders informed about project and activity status
• Participate in performance management and development activities
• Maintain risk management and control processes aligned with risk appetite
• Generally report to a Manager/Senior Manager Specialized FCRM

Financial Crime Risk Analyst II

• Conduct investigations of moderate complexity for internal and external cases
• Recommend demarketing and/or freezing accounts to the appropriate investigative unit
• Conduct adjudications of moderate complexity
• Apply reasonable grounds to suspect money laundering and terrorist financing
• Collect, assess, and collate case file information for AML, Sanctions/ABAC, and financial crime investigations
• Conduct data analysis to identify patterns and anomalies
• Initiate investigations and respond to emerging AML and Sanctions/ABAC risks
• Review and investigate court orders and subpoenas related to criminal actions
• Coordinate investigations with law enforcement agencies
• Prepare and deliver AML, Sanctions/ABAC, financial crime, and fraud detection/loss prevention training
• Lead workstreams and medium-scale projects
• Conduct reporting and meaningful analysis at functional or enterprise level
• Identify and manage risks and escalate high-risk transactions or activities
• Maintain project records, databases, and information
• Monitor service and productivity and implement process improvements
• Provide guidance to Analysts, Investigators, and others
• Adhere to internal policies, procedures, and regulatory guidelines
• Participate in team collaboration, knowledge transfer, coaching, and cross-training
• Report generally to a Manager

AML Financial Crime Risk Investigator II

• Independently perform complex financial crime risk reviews, quality assurance activities, effective challenge, second-level reviews, trend analysis, and stakeholder support across AML/ATF investigation processes
• Assess investigation outcomes, escalation decisions, control execution, documentation quality, remediation activity, and regulatory risk management
• Act as a subject matter resource for complex Financial Crime Investigations workstreams
• Support monthly QA sampling, scorecard adjustment review, second-level reviews, QA results delivery, summary reporting, trend analysis, breach identification, remediation tracking, and escalation of quality concerns
• Support governance, reporting, remediation, process improvement, QA training, and monitoring activities
• Provide guidance to analysts and stakeholders to promote consistent, defensible, risk-based outcomes
• Execute QA testing within established standards and timelines
• Conduct analytical research, analysis, and risk assessments
• Present independent advice and recommendations on RCM processes and controls
• Follow up on testing findings and oversee or lead QA engagements, communications, and reporting
• Provide AML/ATF and Sanctions/ABAC advice, recommendations, and guidance
• Investigate non-compliant AML/Sanctions/ABAC matters and provide findings trend analysis and reporting
• Assist with policies, procedures, programs, frameworks, surveillance, regulatory filings, and law-enforcement reporting
• Prepare responses to information requests from testing teams, Audit, regulators, and oversight partners
• Manage workload, document research, analyze issues, communicate results, and maintain risk-management controls
• Mentor analysts, support team development, and maintain relationships with internal and external stakeholders