Finance committee  If it's a high-risk individual, we have centralized enhanced due diligence groups in Canada and in the United States, as well as in other locations, such as the U.K. We try as best we can to have a global view of our customers, but it's not always possible, for reasons that have

Finance committee  Actually, I'm not sure how extensively the Canadian government is involved in leading the charge, but certainly it's a well-respected member of the G-20 along with a number of other international initiatives. When I was at the Federal Reserve Board, for instance, Canada took the

Finance committee  At TD we follow the same courses you've heard of from the other banks. We have a global standard. We have to assure ourselves that we have reasonable proof as to who we are dealing with in terms of our customers. Of course, in different jurisdictions there are different peculiari

Finance committee  Multilateral.

Finance committee  Good morning. My name is Carmina Hughes. I'm very pleased to be here today representing the TD Bank Group. At TD, I am the global anti-money laundering officer or, as we call it, the GAMLO. I am responsible for AML compliance in all the jurisdictions in which TD operates. I hav