About This Opportunity At Meridian our aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are. Opportunity The AML/ATF Specialist position is classified as a Level II investigative role within a structured three-tier framework. The ideal candidate will be a seasoned AML/ATF professional with a strong track record in executing complex investigations and performing enhanced due diligence (EDD) for both new and existing high-risk Member relationships. Key responsibilities include managing investigations related to FINTRAC initiatives (e.G., human trafficking and ideologically motivated violent extremism), production orders, politically exposed persons (PEP), sanctions evasion, negative media, and high-risk monitoring. Prior experience in conducting EDD investigations involving complex corporate or entity structures is highly desirable. Responsibilities Case Work: Complete EDD reviews of businesses and high-risk clients such as PEPs, collaborating with lines of business to understand complex ownership and control structures. Analyze financial records/documents related to business accounts. Adjudicate cases from all sources and prepare and submit Suspicious Transaction Reports (STR) as necessary. Develop and execute risk assessment/scoring methods, processes, and risk mitigation activities relative to identified risks, including novel scenarios. Demonstrate a comprehensive understanding of Know Your Member (KYM) profiles and apply this knowledge to assess and manage risk during case reviews. Conduct thorough examinations of cases in relation to Listed Person or Entity Property Report (LPEPR), and take appropriate action when applicable (e.G., freezing accounts and filing LPEPRs in accordance with regulatory requirements). Support other operational tasks as required. Program Support: Provide subject matter expertise and consulting to internal stakeholders, including branch and Business Banking management. Develop and deliver AML/ATF training to diverse audiences. Support internal/external audit and Quality Control activities. Provide guidance and support to team members in completing their assigned tasks. Coach peers where opportunities exist and complete project work as assigned. Knowledge, Skills, and Abilities Knowledge Strong understanding of FINTRAC Guidelines, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), and associated Regulations. Working-level understanding of the Criminal Code of Canada provisions.



Working-level understanding of the Personal Information Protection and Electronic Documents Act (PIPEDA). Expert-level understanding of money laundering/terrorist financing typologies and risk factors, with ability to stay current on trends. Expert-level understanding of financial products and services, policies, procedures, delivery systems, and risk management methodologies. Proficiency with MS Office (Word, Excel, PowerPoint). Proficiency with SQL or other database management/reporting software is an asset. Experience with an AML alert/case management system is an asset. Experience working with artificial intelligence (AI) is an asset. Problem Solving Skills Ability to operate independently within agreed parameters and contribute to their development. Ability to multitask and manage multiple priorities in a fast-paced environment. Ability to apply knowledge to find novel solutions to unique challenges. Ability to demonstrate sound judgment and critical thinking in unfamiliar situations. Ability to coach business partners through AML/ATF challenges and influence outcomes. Ability to guide teammates on prioritization and problem solving. Time Management Skills Ability to adapt to a rapidly changing environment. Ability to balance workloads and prioritize by importance. Communication Skills Professional level writing skills. Ability to provide tactical guidance and direction to team members. Tact and diplomacy for inquiries from internal/external partners and auditors. Influencing skills to guide business partners through AML/ATF decision-making. Ability to articulate observations/recommendations clearly for diverse audiences. Ability to prepare prescribed FINTRAC reports and board-level communications. Ability to present to large groups via various channels. Education, Work Experience, and Professional Designations/Certifications Relevant post-secondary education or equivalent experience. 3-5 years of experience in AML/ATF compliance and/or investigations; or 3-5 years in financial services with 1-3 years in AML/ATF. Experience in criminal/regulatory/internal/administrative investigations outside AML/ATF is an asset. CAMs designation or working toward CAMS within 6 months of start date; or eligible to obtain. CFE or other relevant designations are assets.



Note This role represents an existing vacancy. Internal candidates are being considered as part of our standard process. Salary Range : CAD $59,800.00 to $89,800.00 annually. Compensation is based on skills, experience, and internal equity. Higher alignment may place a candidate higher within the range. Our total rewards package will be discussed with your recruiter. Office Location : Toronto Corporate Office located at 3280 Bloor St W, Etobicoke, ON. Meridian has a remote work policy that allows flexibility for work from home but requires regular time in the office for collaboration and relationship-building. What’s in it for you? Inclusive, collaborative environment values creativity, curiosity, and success. Tools and technology to deliver for candidates and clients. Opportunity to learn from diverse industry leaders. Hybrid work arrangements with in-person office time for collaboration. A dynamic workplace where work can be both serious and enjoyable. Build the Future of Banking with Us At Meridian, we’re shaping the future by treating talent as a catalyst for sustainable growth, community impact, and future-readiness. We value team members who bring: Embedding and leveraging technology, with openness to AI and emerging tools; experience with low/no code platforms and AI productivity tools is a plus. Critical thinking to analyze, evaluate, and apply logic to decision-making. Data-driven mindset to improve member experience and efficiency. Curiosity and flexibility to adapt to change and continuous learning. Who we are Meridian is Ontario’s largest credit union and among the largest in Canada, serving more than 380,000 members. With over 80 years of banking history and 87 retail branches, Meridian is 100% member-owned, employing over 2,200 people with corporate offices in Toronto and St. Catharines. Meridian is committed to delivering innovative offerings and investing in the communities we serve. EEO and Privacy Qualified applicants will be considered without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability. We will not contact applicants whose details are not under consideration due to volume. For tips on avoiding job scams, visit our official pages on Meridian’s Careers site. Legal Meridian posts jobs only on our official Careers Site, LinkedIn, and Indeed. If you encounter a Meridian posting elsewhere, verify it directs to our official page. We do not ask candidates to apply via third-party links that do not redirect to our Careers portal (UltiPro). #J-18808-Ljbffr

📌 Aml/Atf Specialist - C$59,800 - C$89,800 A Year (Toronto)
🏢 Meridian
📍 Toronto