AML ANALYST JOB DESCRIPTION

Undetected suspicious activity moves through a financial institution quietly. An AML Analyst stops it. This role owns the daily review of transaction monitoring alerts, the preparation of Suspicious Activity Reports filed with FinCEN, and the execution of Customer Due Diligence and Enhanced Due Diligence reviews that regulators such as the OCC and FinCEN audit directly. The AML Analyst works within a Financial Intelligence Unit or compliance department, answering to a BSA Officer or Compliance Manager, and serves as a measurable control against money laundering and terrorist financing exposure.

As the AML Analyst, you investigate potentially suspicious financial activity, produce SAR filings within regulatory deadlines, and maintain KYC records that satisfy BSA and OFAC requirements across the institution's customer portfolio. The role sits within the Financial Intelligence Unit or Risk Management department, collaborating daily with front-line business partners, law enforcement liaisons, and second-line compliance functions to resolve escalations and close cases.

Career Impact: Hands-on experience writing SARs under BSA and OFAC frameworks and earning CAMS certification builds a credential set that financial institutions, regulators, and fintech firms actively compete to hire.

Business Impact: Every alert this analyst closes accurately determines whether illicit funds move through the institution undetected or are stopped and reported, directly protecting the bank's regulatory standing and charter.

Growth Opportunity: The investigative depth and regulatory knowledge developed here create a clear pathway toward senior AML roles, BSA Officer positions, or compliance advisory functions within larger institutions.

• Review system-generated transaction monitoring alerts to determine whether activity warrants escalation for SAR consideration.
• Conduct Enhanced Due Diligence on high-risk customers, including negative news searches, transaction pattern analysis, and beneficial ownership verification.
• Prepare Suspicious Activity Reports for filing with FinCEN, documenting investigative steps, evidence reviewed, and disposition rationale.
• Perform Customer Due Diligence and KYC reviews on new and existing clients, ensuring data accuracy across the core compliance system.
• Investigate OFAC and watchlist alert matches, resolving or escalating findings in accordance with 314(a) and 314(b) requirements.
• Monitor high-risk accounts and geographic areas, escalating anomalous patterns to the BSA Officer or Compliance Manager.
• Document case findings in the case management system with sufficient detail to support audit, regulatory examination, and law enforcement requests.
• Support periodic Customer Risk Rating reviews and assist with data collection for regulatory reporting such as the OCC Annual Money Laundering Data submission.

• Bachelor's degree in Finance, Accounting, Criminal Justice, Economics, or a related field, or equivalent work experience.
• 2 or more years of BSA/AML or financial crimes compliance experience, with demonstrated exposure to SAR preparation and alert adjudication.
• Working knowledge of the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, and FinCEN guidance including CTR and SAR filing requirements.
• Demonstrated ability to conduct KYC and CDD reviews, including evaluation of complex legal entity structures and beneficial ownership documentation.
• Strong written communication skills, with the ability to produce clear, well-supported investigation narratives and case documentation.
• Sound analytical and research skills, including the ability to identify transaction patterns, correlate data from multiple sources, and reach defensible risk-based conclusions.
• Ability to manage a caseload independently under regulatory deadlines, with high accuracy and strict confidentiality standards.
• Proficiency in standard office productivity software, with intermediate-level spreadsheet skills for data review and reporting.

• CAMS, CRCM, CFE, or ACFE certification, or active progress toward one of these credentials.
• Experience conducting EDD reviews on higher-risk customer types such as Money Service Businesses, Third Party Payment Processors, or Politically Exposed Persons.
• Familiarity with transaction monitoring platforms or case management systems used in bank compliance environments.
• Professional proficiency in a second language, particularly Spanish or Portuguese, supporting review of international account activity.

• SAR filing timeliness: percentage of completed SARs submitted within the 30-day or 60-day FinCEN deadline.
• Alert adjudication rate: number of transaction monitoring alerts reviewed and closed per analyst per week against unit SLA targets.
• Case documentation accuracy: rate of case files passing quality control review without material revision on first submission.
• EDD completion rate: percentage of High Risk Customer reviews completed within scheduled review cycle against the portfolio calendar.
• CTR and 314(a) response accuracy: error rate on Currency Transaction Reports filed and responses to FinCEN list matches within required timeframes.
• Typical tools: Transaction monitoring platforms (commonly Actimize or Mantas) and case management systems (commonly FiServ FCRM or similar BSA compliance platforms).

• Base Salary Range: $55,000 to $85,000 annually, depending on seniority and market.
• Bonus: annual performance bonus of 5% to 10% of base salary.
• Equity: not typically offered at this level in banking compliance roles.
• Health Benefits: medical, dental, and vision coverage is standard across most financial institutions.
• PTO: 15 to 20 days annually, plus standard federal bank holidays.
• Common Perks: CAMS exam reimbursement, tuition assistance, and employee banking benefits.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background check completion, including a review of financial history consistent with financial services regulatory standards, is a condition of employment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, and local law. Reasonable accommodations are available to applicants and employees with disabilities upon request. Candidates must be authorized to work in the United States.

The AML Analyst delivers financial crime reviews by examining currency, transactions, and suspicious activity in accordance with the Bank Secrecy Act, producing written investigation reports and SARs for regulatory compliance. Working within the compliance function and reporting to a Manager or Supervisor, the analyst builds team capability by serving as a resource for less experienced staff while independently prioritizing assigned tasks.

Key Responsibilities

• Review currency, transactions, and suspicious activity in accordance to the Bank Secrecy Act.
• Write detailed reports of AML investigations (SARs).
• Utilize good judgment when determining follow-up course of action.
• Follow defined procedures, policies, and precedents.
• Refer unusual situations that require exceptions to Manager or Supervisor.
• Prioritize assigned tasks.
• Serve as a resource for less experienced staff and assist in their training.

Required Qualifications

• Bachelor's Degree required.
• 0-3 years' experience in AML or related field.
• Knowledge of Criminal Justice and anti-money laundering practices.
• Proficiency in Microsoft Excel including Pivot Tables and VLOOKUPs.
• Excellent communication and organizational skills.
• Ability to work independently with minimal supervision.

Reporting to BSA/AML leadership, the AML Analyst produces comprehensive investigation narratives and customer profiles by analyzing suspicious activity cases, conducting periodic risk-based reviews, and supporting SAR preparation across high, moderate, and low-risk customers. Partnering with the OCC compliance function, the analyst strengthens financial crime controls through quality-driven EDD support and system report analysis that directly reduces regulatory exposure.

Core Functions

• Analyze cases of suspicious activity, document investigation findings, and compose comprehensive investigation narratives.
• Monitor and conduct periodic reviews on high, moderate, and low risk customers.
• Perform daily, monthly, and quarterly analysis of system reports to detect suspicious activity and conduct quality control reviews.
• Assist with Enhanced Due Diligence (EDD) on customers and compose comprehensive customer profiles.
• Assist with fraud cases, 90-day reviews, SAR preparation, and comprehensive investigation narratives.
• Assist with data collection for the OCC's Annual Money Laundering Data.
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Qualifications and Experience

• Bachelor's Degree or equivalent work experience desired.
• CAMS certification or Certification in BSA-AML desired.
• Minimum 3-5 years of similar or related experience in BSA/AML and OFAC regulations required.
• Knowledge of BSA/AML regulations, OFAC regulations, CIP, CDD, EDD requirements, FinCEN guidance, and OCC regulatory guidance related to BSA/AML/OFAC and financial crime.
• Experience using Global Vision's Patriot Officer Software desired.

Embedded within the AML and Risk compliance function, the AML Analyst carries out source of funds and wealth background checks, conducts investigations of suspicious transactions, and manages PEP, Sanctions, and Watch List screening to protect the organization from financial crime exposure. Working closely with law enforcement authorities and corresponding banks, the analyst ensures timely reporting of suspicious activity and maintains accurate records that support the company's regulatory standing in the gaming sector.

Primary Duties

• Carry out source of funds and wealth background checks in line with Group protocol.
• Collect documentary proof to build and maintain case files and profiles for suspicious transactions and source of funds and wealth.
• Review alerts as part of the company's PEPs, Sanctions, and Watch Lists screening process.
• Conduct daily assessment of AML reports relating to potential suspicious activity.
• Stay current with money laundering and terrorist financing behaviours, policies, regulations, criminal typologies, industry best practices, and developing trends.
• Conduct investigations of money laundering alerts or transactions considered suspicious.
• Ensure timely and efficient reporting of transactions considered suspicious.
• Assist with addressing queries from law enforcement authorities or corresponding banks relating to money laundering matters.

Skills and Qualifications

• Previous experience within the gaming industry or an AML/Risk role within the finance sector.
• Thorough understanding of the gaming industry, regulatory requirements, and risks.
• Proficient in the use of Microsoft Office and Excel.
• Excellent analytical, interpersonal, and organizational skills.
• Ability to manage workload effectively and in a timely manner, with high attention to detail and confidentiality.
• Fluent working proficiency in Spanish and English.

Sitting at the intersection of compliance operations and customer service excellence, the AML Analyst reviews and assesses alerts and cases while ensuring Service Level Agreements are consistently met across the banking and financial services environment. Operating across team-wide knowledge sharing, management reporting, and process improvement initiatives, the analyst enables the business to resolve and escalate complex compliance matters with accuracy and efficiency.

Duties

• Support management and business decisions relevant to cost.
• Provide a high level of customer service by completing work in an accurate and timely manner.
• Ensure Service Level Agreements are consistently met.
• Review and assess alerts and cases generated.
• Resolve and escalate complex matters to the Manager and Business Heads in a timely manner and ensure closure of issues.
• Keep the team informed on policy, procedural, operational, and training issues.
• Share knowledge of ANZ products, policies, and procedures with team members.
• Proactively identify competencies for development and work with line manager to improve performance.

Experience and Qualifications

• AML/CTF knowledge mandatory.
• Broad knowledge of banking and financial services products and procedures.
• Well-developed written and oral communication skills, and strong customer service skills.
• Strong analytical skills with ability to react positively to changing circumstances and pressure situations.
• Ability to work independently with minimal supervision in a fast-paced environment.

A key member of the compliance and anti-financial crimes team, the AML Analyst performs full KYC reviews on new client adoptions and periodic reviews, investigating client data across internal and external systems to identify high-risk factors, beneficial ownership, and Politically Exposed Persons. Collaborating across Anti-Financial Crimes, Negative/Adverse News Screening, and Quality Control departments, the analyst ensures the bank meets all AML/KYC regulatory obligations and produces high-quality client files.

Functions

• Perform full KYC reviews on all new client adoptions and periodic reviews of clients in accordance with relevant laws, regulations, and firm policies.
• Carry out KYC due diligence reviews promptly to high-quality standards as per the Bank's policies.
• Guide front office staff for the timely collection of client information and documentation to ensure compliance with all relevant AML/KYC regulations, policies, and risk management requirements.
• Investigate client data utilizing all available internal and external systems to develop a comprehensive analysis of the client and any high-risk factors.
• Review, investigate, and understand organizational structure, accumulation, and domination methodologies to identify ownership, control parties, ultimate beneficiaries, and potential Politically Exposed Persons (PEPs).
• Coordinate and liaise with various departments, including Anti-Financial Crimes, Negative/Adverse News Screening, and Quality Control to ensure quality files are produced.

Technical Qualifications

• Basic understanding of AML/KYC regulations and their impact on financial institutions, as well as knowledge of Investment Bank and Corporate Bank products.
• Ability to source information from various research tools including Bloomberg and Lexis Nexis, and utilize financial reports and audited statements to interpret alerts, identify trends, and source information.
• Proficiency in Microsoft Office with strong organizational skills and adherence to strict deadlines in a fast-paced and high-pressure environment.
• Excellent interpersonal and communication skills, including experience dealing with senior or executive-level staff and the ability to appropriately escalate situations.
• Ability to work in a diverse environment requiring collaboration, partnership, and transparency.

Accurate SAR filing with FinCEN and the mitigation of regulatory and reputational risk depend on the AML Analyst, who reviews suspicious transaction referrals from Lines of Business and internal AML/Terrorist Financing software to determine appropriate courses of action and prepare detailed investigation reports. Based within the corporate compliance and banking investigations function, the analyst applies BSA and AML law knowledge to recommend whether a SAR should be filed and to review internal account relationships for potential money laundering or employee misconduct.

Accountabilities

• Conduct financial investigations to mitigate regulatory, reputational, and compliance risk for the Bank and its affiliates.
• Review suspicious transaction referrals from Lines of Business and internal AML/Terrorist Financing software and determine the appropriate course of action.
• Prepare detailed investigation reports outlining investigative steps taken, research completed, and recommendations.
• Recommend whether a Suspicious Activity Report (SAR) should be filed with FinCEN based on analytical judgment and knowledge of BSA and AML laws.
• Review internal account relationships and activities where money laundering or related employee misconduct allegations are possible.

Required Qualifications

• Bachelor's Degree in Business, Accounting, Finance, Economics, or Criminal Justice required.
• ACAMS certification strongly preferred.
• 5 years of related experience in Corporate Compliance, Banking, or Investigations.
• Knowledge of and experience with Bank Secrecy Act (BSA) and Anti-Money Laundering Regulations.
• Strong analytical and computer skills with proven ability to work independently in a high-volume environment.

As the AML Analyst, this role reviews assigned Transaction Monitoring System Alerts to determine whether activity warrants escalation, prepares Suspicious Activity Reports for FinCEN filing, and compiles case documentation to support investigative decisions within the bank's compliance function. The compliance team relies on this work to maintain full adherence to BSA, Regulation CC, Regulation E, USA PATRIOT Act, and OFAC requirements while also building team capability through coaching and subject matter expertise.

Key Deliverables

• Perform a review of assigned AML Transaction Monitoring System Alerts to determine if activity warrants escalation for further investigation.
• Analyze customer activity assigned as a case for investigation.
• Perform 314(b) requests and information outreach to facilitate investigations into suspicious activity.
• Identify suspicious or unusual activity and prepare all related investigation documents to support suspicious or non-suspicious decisions.
• Prepare Suspicious Activity Reports (SAR) for filing with FinCEN when applicable.
• Compile appropriate case notes and documentation to support a recommendation to file or not file a SAR.
• Demonstrate compliance with all applicable bank regulations and maintain working knowledge of BSA, Regulation CC, Regulation E, Bank Security, and other relevant regulations.
• Coach, mentor, or train others and teach coursework as a subject matter expert when asked.

Minimum Qualifications

• CAMS certification or willingness to obtain is required.
• 2-4 years of BSA/AML/OFAC, Compliance, Audit, or Bank Operations experience required.
• Bachelor's Degree in Business, Economics, Accounting, Law, Law Enforcement, or related fields preferred.
• Knowledge of overall BSA/AML, USA PATRIOT Act, and OFAC requirements and regulations.
• Proficient in Microsoft Word and Excel.
• Strong written, verbal, and interpersonal communication skills with the ability to interact with a wide range of individuals using tact, diplomacy, and discretion.
• Ability to exercise good judgment in assessing risk while maintaining confidentiality and adhering to security procedures.

AML Analyst leads complex customer and transaction activity reviews through system-generated alerting and manual referrals, preparing SARs for FinCEN filing and conducting ad hoc investigations that support the bank's BSA-related programs across all lines of business. The work directly supports audit readiness, regulatory compliance, and the development of key business partner relationships that enable the financial institution to meet strict regulatory deadlines.

Areas of Ownership

• Review more complex customer and transaction activity for timely analysis of potential money laundering through system-generated alerting and manual referrals.
• Clearly document and support decisions made during the investigation process.
• Prepare SARs clearly and concisely for filing with FinCEN.
• Assist with monitoring of higher-risk accounts and geographic areas and escalate any unusual activity to appropriate management.
• Independently conduct ad hoc investigations and present findings and recommendations to management.
• Work in a team-oriented and collaborative environment to ensure overall unit goals and deadlines are met.
• Establish working relationships with key business partners across all lines of business.
• Provide support and guidance to the bank's operational areas and assist with the implementation of BSA-related programs.
• Assist with special projects and data gathering for audit and regulatory purposes.

Background and Experience

• Bachelor's degree preferred or equivalent work or military experience.
• CAMS Certification preferred, or ability to obtain within one year.
• 4+ years in the financial services industry and 3+ years' experience in AML Compliance.
• Strong knowledge of CTRs, SARs, OFAC, MIRs, 314(a) and 314(b).
• In-depth knowledge of bank products including deposit, lending, ACH, ATM, RDC, and correspondent banking.
• Knowledge of transaction monitoring and case management software.
• Advanced knowledge of Microsoft Office including Word, Excel, and PowerPoint.
• Ability to meet regulatory deadlines with a sense of urgency while maintaining a high level of professionalism.

The AML Analyst owns independent reviews and analysis of suspicious activity for Societe Generale, conducting enhanced due diligence on individuals and entities, preparing SARs, and responding to 314(a) and 314(b) inquiries to ensure compliance with the Bank Secrecy Act and USA Patriot Act. Working within the Financial Intelligence Unit and collaborating with management on compliance initiatives, the analyst delivers risk-based conclusions that protect the institution from money laundering, terrorist financing, bribery, corruption, and cybercrime.

Role Responsibilities

• Assist the FIU in preventing the use of Societe Generale facilities for money laundering, terrorist financing, bribery, corruption, and cybercrime.
• Assess emerging trends and red flags identified in news sources, global current events, and geopolitical changes.
• Perform independent reviews and analysis of possible suspicious activity to ensure compliance with the Bank Secrecy Act and the USA Patriot Act.
• Recommend course of action for most events and seek guidance from a manager when analysis identifies unusual or uncommon situations.
• Research and verify the accuracy of information obtained through referrals and in the context of investigations.
• Independently conduct documented enhanced due diligence on individuals and entities, and exercise risk-based judgment to develop findings and recommendations.
• Initiate and respond to 314(a) and 314(b) inquiries from law enforcement and financial institutions.
• Prepare regulatory reports (SARs) within regulatory guidelines and apply project management skills to ad-hoc assignments.
• Collaborate with the team to implement initiatives and projects sponsored and approved by management.

Professional Experience

• 1-3 years of relevant experience in the financial industry compliance.
• Knowledge of BSA, USA PATRIOT Act, OFAC, FinCEN requirements, and SAR requirements.
• Advanced proficiency in Microsoft Office, including Word, Excel, Access, PowerPoint, and Outlook.
• Excellent research skills, including experience with online research tools.
• Strong writing, analytical, and communication skills with the ability to multitask, adapt to changing priorities, and meet critical deadlines.
• Strong organizational and time management skills with the ability to work independently as a self-starter.
• Proficiency in a foreign language is a plus.

Embedded within the Financial Intelligence Unit, the AML Analyst documents and reports case review and investigation findings, examines financial statements and transaction data to identify unusual patterns, and creates Suspicious Activity Reports while liaising with FIU units, Trade Surveillance, and Law Enforcement. Working closely with ACRM, CSIS, FIU Legal, and GIU, the analyst enables complete and compliant case resolution from initial referral through account closure tracking.

Day-to-Day Responsibilities

• Document and report case review and investigation findings, and prepare case files for review.
• Conduct research on available Bank systems, the Internet, and databases consistent with the resolution of investigations.
• Collect and examine financial statements, transaction data, and other documents to identify unusual transaction patterns.
• Follow up with additional Points of Contact as needed to identify additional information in support of the case.
• Document all research and analysis conducted in the Case Management System.
• Create Suspicious Activity Reports (SARs), recommend relationship retention or termination, and track account closures as required.
• Liaise with other FIU units, ACRM, the Business, CSIS, FIU Legal, GIU, Trade Surveillance, and Law Enforcement, where applicable.

Education and Experience

• Bachelor's Degree required or equivalent experience.
• CAMS Certification is a plus.
• 1-5 years' experience in reviewing customer transactions and information for potentially suspicious activity and performing AML or financial investigations.
• Experience in writing and preparing SARs in accordance with applicable regulatory requirements is preferred.
• Knowledge of BSA, USA PATRIOT Act, US Treasury AML guidelines, OFAC, SEC, FinCEN requirements, and SAR requirements, as well as a general understanding of Senior Public Figures, Money Service Businesses, Wealth Management, and Retail Banking.
• Advanced proficiency in Microsoft Office, including Word, Excel, Access, PowerPoint, and Outlook.
• Excellent organizational, time management, research, writing, analytical, and communication skills with the ability to multitask, complete projects on time, and work independently without supervision.

Reporting to compliance leadership within an exchange, regulatory organization, Broker Dealer, or Futures Commission Merchant environment, the AML Analyst identifies potential threats and suspicious behavior patterns, recommends mitigation measures, and reviews and drafts Suspicious Activity Reports to support the firm's financial crimes compliance obligations. Partnering with programmers and the broader compliance team, the analyst advances system improvements that address evolving regulatory needs and reduce financial crime risk.

What You'll Do

• Regulatory organization, a Broker Dealer (BD), a Futures Commission Merchant (FCM), or similar organization.
• Identify potential threats, vulnerabilities, and suspicious behavior patterns
• Recommend effective mitigation measures.
• Work with programmers to improve systems and address compliance needs.
• Review and draft Suspicious Activity Reports (SARs).

Knowledge, Skills, and Abilities

• Bachelor's Degree in Finance, Accounting, Auditing, Criminal Justice, Economics, Forensic Science, Financial Forensics, or Fraud Investigations required.
• ACAMS, CFE, CFCS, Series 7, or other FINRA licenses or certifications are a plus.
• 1-3 years of experience conducting fraud or financial crimes investigations on behalf of an SRO, Broker Dealer, or FCM.
• High degree of comfort and fluency with computers and technology, with an understanding of how technology is applied to business and regulatory problems.
• Excellent oral and written communication skills with strong attention to detail and outstanding organizational and project management skills.
• Ability to work independently and in a small-team environment, multitask with minimal supervision, and be focused, adaptable, and collaborative with strong time management skills.

A key member of the AML Compliance Team reporting to the Senior AML Program Governance Unit Lead, the AML Analyst conducts EDD reviews of High Risk Customers, analyzes transaction activity against expected behavior, and compiles documented narrative reports to manage the bank's KYC program for higher-risk relationships. Collaborating across operations, businesses, AML Investigations, and second-line of defense functions, the analyst protects the institution from money laundering, terrorist financing, and financial crime risk.

Scope of Work

• Conduct EDD reviews of High Risk Customers (HRCs) and assist with overall management of the HRC portfolio.
• Understand customer risks associated with money laundering, terrorist financing, financial crimes, and other legal and reputational risks.
• Analyze HRC transaction activity and determine whether actual activity is commensurate with expected activity, line of business, industry, customer geography, and other demographics.
• Conduct negative news searches on the customer, related entities, and beneficial owners.
• Ensure all KYC information is complete and updated by coordinating with businesses and operations to refresh KYC information as needed.
• Escalate all high-risk situations to management, including patterns, trends, or inconsistencies within customer records or transactional activity.
• Compile documented narrative reports summarizing reviews, including analysis of transactions and information obtained through multiple sources.
• Assist the business with EDD at onboarding and assist in managing the Customer Risk Rating (CRR) process.

Position Requirements

• Bachelor's Degree in Finance, Accounting, Law Enforcement, Social Sciences, or related field.
• CAMS certification preferred.
• 3+ years of experience in AML Compliance.
• Strong knowledge of BSA/AML/USA Patriot Act/OFAC/CIP regulatory requirements for financial institutions, and strong subject matter knowledge of BSA/AML/OFAC and FinCEN regulatory requirements.
• Experience with EDD/HRC reviews and KYC requirements, familiarity with higher-risk business types such as Third Party Payment Processors and complex legal structures, and prior private bank, treasury management, commercial bank, loan, or deposit operations experience preferred.
• Knowledge of FiServ FCRM, WireExchange, CWS, and Signature Desktop is a plus.
• Moderate proficiency in the Microsoft Office suite and Outlook, internet navigation skills, and proficiency with internet search engines and online research tools.
• Sound analytical, problem-solving, organizational, and detail-oriented skills with strong oral and written communication skills and the ability to manage multiple ongoing matters simultaneously and meet strict deadlines.

The AML Analyst delivers timely, high-quality KYC profiles by conducting Client Due Diligence against local and global standards, maintaining KYC data in the AML core system, and liaising with Sales, Fulfillment, DMO, Technology, and QA to meet COS objectives and SLAs. Working within the AML compliance area, the analyst shapes data accuracy and integrity across core systems while validating documentation from Lines of Business to support compliant client and account setup.

Job Functions

• Conduct Client Due Diligence according to local and global standards.
• Perform research in internal and external sources to identify and verify Client and Related Parties.
• Update and maintain KYC information in the AML core system.
• Provide timely, high-quality KYC profiles processed in the AML core system according to SLA and QC standards.
• Review and validate documentation obtained from Lines of Business and upload it into the system.
• Ensure data capture accuracy and integrity on all core systems managed by the area, including understanding of up and downstream systems integration that impacts client and account setup.
• Liaise with related areas such as Sales, Fulfillment, DMO, Technology, and QA to ensure timely completion of deliveries and meet COS objectives and SLAs.

Qualifications and Experience

• ICA/ACAMS Certification desirable.
• Strong knowledge of a wide range of complex Client Types including corporates, non-banking and banking financial institutions, multinationals, trusts, and funds.
• Intermediate MS Office skills required, especially Word, PowerPoint, and Excel.
• Analytical skills in respect of a wide variety of document types, knowledge of products offered by the supported legal entity, and clear understanding of the E2E technology set up for each of them.
• Effective communication, empathetic with the audience, and with a positive and proactive attitude to manage priorities efficiently under pressure with a high degree of accuracy.
• Ability to think outside the box, challenge the status quo, drive innovation, and work among diverse viewpoints to determine the best path forward.
• Advanced proficiency in English.

Reporting to Risk Europe leadership, the AML Analyst operates Dentons' new business intake system, conducting client due diligence across sectors, practices, and selected geographies while ensuring AML, sanctions, and other risk checks comply with firm policy and applicable regulatory requirements. Partnering with partners, business support teams, and Risk/AML teams firmwide, the analyst enables prompt resolution of anti-money laundering issues and supports regulatory audits, technology upgrades, and policy drafting that strengthen the firm's compliance posture.

Operational Focus

• Work as part of the Risk Europe team operating Dentons' new business intake system, assisting with the review and approval of all new matters and clients, and dealing with matter opening issues, considering local legal requirements as applicable.
• Conduct client due diligence of varying levels of complexity across a range of sectors, practices, and selected geographies.
• Liaise with partners, business support teams, and Risk/AML teams firmwide to facilitate the prompt resolution of anti-money laundering issues identified from client due diligence.
• Ensure anti-money laundering, sanctions, and other risk checks have been carried out for new and existing clients in compliance with firm policy and applicable regulatory requirements, and that relevant data is properly entered and maintained on the Firm's systems.
• Support the team and risk management on various tasks and projects such as regulatory AML audits, technology upgrades, team training, and policy drafting.

Skills and Qualifications

• Bachelor's Degree, with legal education as an advantage.
• Prior experience working within risk, compliance, and AML area is desired, with prior experience in law firms or professional services firms as an advantage.
• Excellent analytical skills with the ability to quickly identify and meticulously analyse issues and provide practical solutions.
• Good command of Microsoft Office.
• Strong communication skills, dealing confidently, competently, and diplomatically with internal clients worldwide, and providing clear and unambiguous instructions in writing and by telephone.
• Methodical and organised approach to work with strong prioritisation skills, ability to work efficiently under pressure, and deliver work to a consistently high standard and to deadlines.
• Ability to work as part of an international multicultural environment.
• Very good command of English, both written and oral.

AML Analyst refines Brazil's AML compliance program by promoting a culture of compliance, designing and delivering training programs, conducting onboarding and ongoing customer due diligence, and managing daily escalation queues for complex exception cases from business and operations teams. Success in the position means the organization stays current with Brazilian AML laws and regulations, maintains complete program documentation, and continuously improves processes through best-practice implementation in partnership with the Risk and Compliance Manager.

Work Activities

• Promote a collaborative culture of compliance and provide AML subject matter expertise to business and operations teams.
• Assist the Risk and Compliance Manager in keeping abreast of changes in Brazil AML laws and regulations, and help make necessary adjustments to internal policies, procedures, and controls.
• Participate in the design and delivery of AML training programs of varying scale, including coaching and mentoring.
• Assist with maintenance of AML program documentation including policies, procedures, and reporting recordkeeping.
• Conduct and perform quality control relative to a variety of investigation types including suspicious activity, sanctions, and enhanced due diligence.
• Prepare and submit internal and external reports and regulatory filings related to the AML program.
• Manage daily escalation queues, handling complex or exception cases from business and operations teams.
• Identify, escalate, and participate in addressing policy and program exceptions, as well as participate in process improvement by identifying and implementing best practices.

Experience and Qualifications

• Bachelor's or Bachelor of Science Degree.
• Professional certification such as CAMS, CRCM, or CRP preferred.
• 2+ years of prior experience in AML/sanctions risk management.
• Working knowledge of AML laws and regulations, with background in Financial Services, Payments, or e-commerce preferred.
• Exposure to risk investigation and transaction monitoring, and experience in Law, Ethics, Finance, Statistical Analysis, or Quality Assurance preferred.
• Advanced proficiency in English and Portuguese.

Embedded within the compliance function, the AML Analyst actively manages Customer Due Diligence and Business Partner Due Diligence flows, researches and investigates CDD files, and supports the Chief Risk Officer, Local Compliance Officer, and Regional AML Manager in completing the Annual AML Risk Assessment. Working closely with dealers, partners, and suppliers across the business, the analyst writes AML risk assessment recommendations and prepares CDD files for Dutch Central Bank review, ensuring the organization meets all legislative and regulatory obligations.

Key Responsibilities

• Active Management of Customer Due Diligence (CDD) and Business Partner Due Diligence (BPDD) flows, including alert handling and CDD Reviews.
• Write recommendations as a result of the AML risk assessment on CDD, following standard rules and procedures.
• Prepare Client CDD Files as required by the Local Compliance Officer for 2nd LOD monitoring or for Dutch Central Bank review.
• Active Management of CDD Event Driven Reviews, transaction monitoring, and investigations, and changes driven by legislative and regulatory changes.
• Support the Chief Risk Officer, Local Compliance Officer, and Regional AML Manager in completing the Annual AML Risk Assessment.

Requirements

• 2+ years of AML experience.
• Knowledge of compliance and regulation, particularly regarding AML/KYC requirements.
• Excel skills at an intermediate level.
• Strong communications and report writing skills, strong risk awareness, and positive problem-solving skills.
• Highly organized with strong attention to detail, champion for change when required, and ability to prioritize workload and manage time to maximize efficiency and meet strict deadlines.

The AML Analyst coordinates BSA/AML alert reviews, PEP and Sanction screening, and SAR preparation by assessing system-generated alerts for illicit activity, conducting research, and completing follow-up reviews on previously reported suspicious activity within the banking or financial services industry. Working within the compliance team and reporting to management on identified trends, the analyst enables timely, regulation-compliant AML reporting that reduces the institution's financial crime exposure.

Core Responsibilities

• Reviewing system-generated alerts to assess the presence of illicit activity that may require reporting based on BSA/AML requirements.
• Research as required and document detailed results in written format.
• Review PEP and Sanction alerts for potential matches and research as required.
• Write Suspicious Activity Reports (SARs).
• Complete follow-up reviews on the activity that was previously reported as suspicious.
• Identify trends and report to management.
• Complete other applicable AML processes in accordance with regulations and time limitations.

Background and Experience

• Bachelor's Degree in Criminal Justice, Fraud Prevention, or Homeland Security or equivalent work experience.
• 2+ years' work experience in an AML capacity with knowledge of investigative techniques used in the investigation of financial crimes.
• At least 2 years' experience in the banking or financial services industry.
• Knowledge of KYC and Money Laundering detection methods.
• Proficiency in Microsoft applications with results-driven commitment to continuous process improvement and quality.
• Excellent problem-solving and communication skills, both verbal and written, with attention to detail and ability to multi-task and work under pressure with minimal supervision.
• Professional working proficiency in additional European languages.

Sitting at the intersection of compliance risk management and data analytics, the AML Analyst articulates the compliance risk profile, develops and refines metrics reporting methodology, and presents analytical findings to senior management to drive greater insight within State of Compliance reporting, Compliance Assurance reviews, and Business Monitoring at Citi. Operating across cross-functional global stakeholders including Operations and Technology, the analyst mines and cleans data from multiple sources to identify trends, support mitigation strategies, and strengthen enterprise-wide compliance risk controls.

Strategic Responsibilities

• Articulate the compliance risk profile and compliance risk appetite within the Citi purview.
• Identify, measure, and analyze compliance risks within Citi and support mitigation strategies where appropriate.
• Ensure that all metrics and data processes are consistent with the mandate of the team as well as risk and compliance standards.
• Develop and refine compliance metrics reporting methodology and conduct ongoing monitoring and evaluation of the environment to mitigate potential data quality gaps and control deficiencies.
• Present analytical findings, results of analyses, and provide business recommendations to senior management.
• Interact with subject matter experts to identify and analyze data elements, report findings or conclusions, and suggest approaches for enhancing compliance risk models.
• Provide Compliance advisory support to management in the interpretation of policies and in the development of guidelines to ensure adequate controls are in place.
• Mine and clean data from various sources, identify trends and correlations, and analyze and interpret results.
• Collaborate with team members and colleagues in executing a global initiative with cross-functional stakeholders.

Minimum Qualifications

• Bachelor's Degree or equivalent experience required, with an Advanced Degree as a plus.
• Expertise in Data Analysis, automation, and Business Intelligence solutions, along with advanced analytical programming techniques.
• Experience in performing data analysis and data visualization, enterprise or product-specific risk assessments, and developing risk model strategies.
• Experience working with governance, risk, and compliance methodologies and practices principally focused on analytics and reporting, and skilled in analyzing root causes of compliance risk issues.
• Previous experience within Financial Services Institutions, particularly with a focus on compliance elements, and understanding of Compliance laws, rules, regulations, risks, and typologies.
• Proficiency in Microsoft Office with advanced Excel skills and experience in performing data visualization.
• Excellent written, verbal, and analytical skills with good presentation skills and ability to articulate complex problems through concise and clear messaging.
• Must be a self-starter, flexible, innovative, adaptive, highly motivated, and detail-oriented with strong team orientation and organizational skills.
• Fluency in Spanish preferred.

The AML Analyst guides the Financial Intelligence Unit's daily compliance operations by completing reviews of reports, applications, and platforms, analyzing complex customer transaction data to determine CTR filing requirements, and serving as Subject Matter Expert for Front Line, Business lines, and Business partners. Reporting to BSA/AML leadership and working across operational areas, the analyst ensures adherence to the CDD/EDD-Beneficial Ownership Rule and supports accurate monthly reporting that keeps management informed of all department activities.

Scope of Work

• Complete reviews of various reports, applications, and platforms utilized by the FIU.
• Review customer information and related transactions, analyzing complex data to assist in determining if a CTR filing is required and if the activity appears suspicious.
• Refer potentially suspicious activity for SAR consideration and document findings in a concise, detailed, and accurate manner consistent with policy, procedure, and enhanced due diligence when needed.
• Keep informed of current laws, regulations, and common practices in BSA, OFAC, USA Patriot Act, and AML/Financial Crimes fields.
• Conduct investigations to resolve potential matches generated by the Bank's OFAC/Watch list screening and perform CDD/EDD investigations when needed.
• Review and analyze bi-monthly FinCEN 314(a) issued lists for possible matches within the Bank's database, wire activity, monetary instrument reports, and other relevant reporting, and provide a timely response to 314(b) requests.
• Serve as a Subject Matter Expert and resource for the Front Line, Business lines, and Business partners.
• Review complex business formation and governance documents, ensuring adherence to CDD/EDD-Beneficial Ownership Rule.
• Provide assistance in the preparation of monthly reports, ensure accuracy, and identify enhancements of relevant Policies, Procedures, and Process Workflows.

Professional Experience

• College Degree preferred.
• Related industry certification such as ACAM or ACFE preferred but not required.
• Minimum 2 years of BSA/AML experience or other related experience required.
• Must possess working knowledge of the Bank Secrecy Act, its implementing regulations, and experience with money laundering, terrorist financing, SAR, or equivalent investigations preferred.
• Experience with case management platforms required, with exposure to platform implementation and enhancement environment as a plus.
• Highly self-motivated with excellent written and oral communication skills, including presentations to regulators, auditors, analysts, and senior managers.
• Exceptional analytical skills, strong judgment, attention to detail, high integrity, and ability to prioritize tasks and work under pressure independently while remaining cohesive within a team.

Embedded within Citi's Financial Crime Compliance function, the AML Analyst conducts end-to-end reviews and investigations of account activity to identify suspicious patterns and recommend SAR filings or relationship termination. Working closely with FIU units, Advisory, Business Compliance teams, and Senior Management, this role directly delivers sound compliance outcomes that protect the institution from financial crime exposure.

Core Functions

• Conduct research on available bank systems, the internet, and commercial databases to resolve case reviews and investigations.
• Collect and examine financial statements and documents to identify unusual transaction patterns.
• Document and report review and investigation findings, and prepare case files with required supporting documentation.
• Follow up with additional Points of Contact as needed to gather information in support of the case.
• Liaise with FIU units, Advisory, Business Compliance teams, CSIS, FIU Legal, GIU, and Law Enforcement.
• Draft and file Suspicious Activity Reports consistent with FinCEN requirements, and recommend relationship retention or termination.
• Interact with Senior Management on Compliance, Legal, and business sectors concerning AML issues, and provide direction to junior staff as needed.

Qualifications & Experience

• Four-year college degree or equivalent experience.
• CAMS certification preferred.
• Minimum 1-5 years of experience in reviewing customer transactions for suspicious activity and performing AML or fraud reviews and investigations.
• Experience in a financial institution with job-specific AML work experience, including writing and preparing SARs in accordance with regulatory requirements.
• Knowledgeable of laws applicable to money laundering, including the Bank Secrecy Act, USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity reporting.
• General understanding of Senior Public Figures, Money Service Businesses, Wealth Management, and Retail Banking preferred.
• Advanced proficiency in Microsoft Word, Excel, Access, PowerPoint, and Outlook, with excellent research and online search tool skills.
• Excellent organizational, time management, analytical, and written communication skills, with strong attention to detail and ability to multitask.
• Self-starter, organized, and able to work independently, with proficiency in a foreign language as a plus.

Reporting to the Financial Crimes and Fraud Management Group, the AML Analyst leads complex fraud claims detection and investigation activities to minimize losses across a range of banking products and processes. Partnering with internal teams and compliance partners, this role advances operational integrity by identifying process gaps, escalating material risks, and ensuring adherence to bank guidelines and service level agreements.

Primary Duties

• Perform complex activities related to fraud claims, detection, and specialty to minimize losses.
• Monitor a variety of products and processes to identify questionable or fraudulent transactions.
• Collect and analyze data to resolve complex issues and meet service level agreement requirements.
• Identify process gaps and recommend improvements to productivity, effectiveness, and operational efficiency.
• Apply due diligence in fraud detection and adjudication, escalate material risks, and liaise with partners on fraud prevention.
• Ensure documents are accurate and compliant with guidelines and bank's code of conduct, and handle small-scale project initiatives as project lead.
• Contribute to a positive and diverse work environment through knowledge sharing and participation in performance management activities.

Skills & Qualifications

• High school diploma, preferably in a related field.
• Over 2 years of relevant AML work experience.
• Proficiency with MS Office and analytical tools and techniques.
• Expertise in business unit and operational functions of fraud and regulatory requirements for the supported region.
• Strong judgment in exercising discretion in matters of confidentiality.
• Dynamic, positive, and willing to accept challenges in a demanding environment.
• Strong team associate with excellent organizational and communication skills.
• Able to prioritize and multi-task with minimal direction to meet tight deadlines.

A key member of the compliance function, the AML Analyst leads periodic training, client onboarding reviews, and multi-jurisdictional AML/CTF advisory work across the partnership. Collaborating with junior team members and relevant partners on file reviews, audits, and live process rollouts, this role builds a consistent and well-controlled compliance framework across the UK, EMEA, and APAC jurisdictions.

Functions

• Advise on ongoing monitoring of clients and matters in accordance with legal and regulatory requirements, and review prospective clients for reputational or sanctions issues.
• Assist with updating policies and procedures on client onboarding, AML, CTF, and other compliance topics.
• Lead periodic training sessions on AML legislation and processes, including new joiner training and mentoring junior team members.
• Deal with ad hoc queries from the partnership and advise relevant partners on outcomes of file reviews and audits.
• Work on live projects, including rollout of new processes, case law updates, and intranet updates across all jurisdictions.
• Conduct periodic reviews of the Risk Assessment system and maintain consistency through report analysis.
• Assist junior team members with queries, spot-check file completion, and deliver constructive feedback.

Experience & Qualifications

• Law degree or Graduate Diploma in Law essential, with Legal Practice Course preferred, and equivalent qualifications from other common law jurisdictions considered.
• 3+ years of experience in AML compliance in a law firm environment, ideally with exposure to international offices.
• Experience of AML and CTF obligations in the UK, EMEA, and APAC region, including sanctions and anti-bribery and corruption laws.
• Experience conducting company searches using resources such as Orbis, Capital IQ, and LexisNexis Corporate Affiliations.
• Strong knowledge of the Money Laundering Regulations 2017 and its amendments, and the latest EU Money Laundering Directives, as well as relevant law society practice directions.
• Strong interpersonal and communication skills with ability to engage professionally at all levels, present arguments clearly, and provide high-level service in a fast-paced, high-volume environment.
• Flexible, commercially aware, able to exercise good judgment, and capable of adapting to new situations, processes, and technology.

Sitting at the intersection of merchant risk management and financial compliance, the AML Analyst shapes Adyen's ability to identify and mitigate money laundering, terrorism financing, and compliance-related risks across its merchant portfolio using in-house monitoring tooling. Operating across the Merchant Monitoring team, this role collaborates directly with account managers and merchants to build sustainable business relationships grounded in regulatory integrity.

Duties

• Take ownership of operational merchant risk management with a focus on compliance-related risks.
• Make sound decisions for both Adyen and its merchants.
• Conduct ad hoc analysis and investigations into merchants' compliance risk profiles.
• Collaborate with account managers and merchants to address non-compliance situations.
• Identify and improve gaps in monitoring and operational risk control efforts.

Requirements

• 0-5 years of relevant experience in AML, transaction monitoring, and/or transaction filtering.
• Prior experience with payments, the financial industry, and regulatory and/or card scheme compliance preferred.
• Strong analytical skills and curiosity to understand complex issues.
• Excellent English written and verbal communication skills.
• High working pace with a natural sense of urgency and ability to challenge the status quo.

Effective merchant risk management and financial integrity depend on the AML Analyst, who conducts alert investigations, transactional data analysis, and periodic customer reviews to detect and address integrity risks in the payments sector. Based within the Risk and Compliance function and reporting to the Head of Risk and Compliance, this role delivers consistent monitoring improvements and monthly and quarterly compliance reporting to senior leadership and the Management Board.

Accountabilities

• Review proposed and existing merchant trading activity for consistency with the nature and purpose of the business relationship.
• Investigate generated alerts and research patterns, trends, and anomalies in transactional and customer data for possible integrity risks.
• Communicate with customers to retrieve additional information, determine appropriate risk ratings, and perform event-driven and periodical reviews.
• Continuously improve the monitoring system by reducing false positives, increasing true positives, and identifying gaps in operational risk controls.
• Prepare monthly and quarterly reporting to the Head of Risk and Compliance and the Management Board.

Technical Qualifications

• Bachelor or Master degree, preferably in Business Economics, Law, or Criminology.
• Approximately 3 years of relevant experience in compliance, CDD, or Financial Economic Crime, preferably in payments or the financial sector.
• Profound knowledge of integrity risks, including fraud, tax evasion, money laundering, and terrorism financing across industries, with knowledge of Wwft as a pre.
• Excellent spoken and written communication skills, native in Dutch and professional in English.
• Analytical, critical, and detail-oriented.
• A can-do mentality, continuous improvement mindset, and effective teamwork orientation.

As the AML Analyst, this role monitors suspicious transaction alerts, conducts financial crime investigations, and drafts suspicious transaction reports to protect the institution's BSA/AML/OFAC compliance program across B2C consumer financial services products. The compliance team relies on this work to sustain a durable financial crime program, ensure regulatory adherence, and deliver KRI and KPI metric reporting that informs risk management at all levels.

Activities

• Perform daily monitoring of suspicious transaction alerts and sanctions and PEP screening alerts, applying strong investigative and analytical skills to make decisions and escalate as appropriate.
• Conduct investigations to identify financial crime typologies and draft suspicious transaction reports.
• Provide advice and analysis of observed ML/TF typologies and trends to identify potential risk areas.
• Participate in transaction monitoring system tuning tests and assist with BSA/AML/OFAC compliance program administration, QC testing, corrective action tracking, and compliance training.
• Collaborate with the Operations team on compliance requirements, frontline QC tools, and execution of testing.
• Identify and assist with KRI and KPI metric reporting of BSA/AML program risks.

Position Requirements

• CAMS certification or current candidacy a plus.
• 4+ years of relevant experience in BSA, AML, and OFAC risk and compliance supporting B2C products at a financial institution, fintech, or regulatory agency.
• Demonstrated experience reviewing unusual activity alerts, drafting suspicious transaction reports, and implementing BSA/AML program improvements.
• Working knowledge of relevant laws and regulations, including USA PATRIOT Act, OFAC, Anti-Money Laundering, and ID Theft Red Flags.
• Look-back, back-testing, and statistical analysis experience a plus.
• Expertise using business intelligence software, with strong investigative experience and ability to document conclusive results.
• Meticulously organized, results-oriented, and analytical, with ability to work independently, manage parallel assignments, and communicate effectively at all levels remotely.
• Self-starter with an act-like-an-owner mentality, "Humble, Hungry, and Honest" disposition, and comfortable working in a dynamic environment.

AML Analyst delivers complex client onboarding investigations, background research, and sanctions screening in full compliance with AML legislation across the EU, UK, UAE, and other jurisdictions. The work directly supports the Anti-Money Laundering Manager and the firm's Business Intake Group by ensuring new clients and matters are opened accurately, high-risk relationships are properly escalated, and annual regulatory returns are completed on time.

Operational Focus

• Conduct client onboarding investigations and assemble research in compliance with firm policy and relevant jurisdiction AML requirements.
• Run background, negative press, sanctions, and other searches as part of client onboarding, and conduct regular refreshes of client AML files.
• Process and open new clients and matters within the firm's business intake system, including AML checks for escrow arrangements.
• Maintain working knowledge of firm databases and subscription services such as LexisNexis, Dun and Bradstreet, Regulatory DataCorp, and government registrars.
• Conduct due diligence on Politically Exposed Persons and other high-risk clients, and follow proper escalation protocols to the MLRO.
• Monitor domestic US matters for foreign timekeeper involvement and monitor updates to sanctions and watchlists, including OFAC, HM Treasury, and UN Security Council.
• Assist with key AML compliance projects, monitoring exercises, and completion of annual regulatory returns.

Knowledge, Skills & Abilities

• Prior experience in anti-money laundering, know your client, or risk management preferred.
• Strong analytical skills to collect, compile, and analyze large amounts of data.
• Excellent written and spoken communication skills with a professional manner toward clients, attorneys, paralegals, and staff.
• Ability to organize and prioritize workload, use your own judgment in decision making, and meet all deadlines efficiently.
• Strong time management skills and ability to follow specific and detailed instructions.
• Knowledge of PC and Windows applications required.

The AML Analyst produces detailed investigation files and regulatory reports by analyzing transactional alerts generated by Nu's AML monitoring system to identify suspicious activity and money laundering networks within the Mexican financial sector. Reporting to the AML Committee and collaborating with the compliance team, this role advances the institution's ability to satisfy CNBV and UIF regulatory requirements while disseminating Nu's values and compliance culture.

Key Deliverables

• Analyze transactional alerts generated by the AML transaction monitoring system to identify suspicious situations and prepare investigation files for escalation to the AML Committee.
• Identify money laundering networks, apply FIU typologies, and prepare sophisticated reports to inform authorities of money laundering or terrorism financing activity to the UIF.
• Perform quality reviews, evaluate process deficiencies, analyze control measures, enhance reporting capabilities, and recommend corrective actions to satisfy regulatory requirements.
• Detect risky customers by evaluating risk profiles and applying enhanced or standard due diligence accordingly.
• Provide advice on sanctions and screening processes, and support the discard operation in the binding lists.
• Strengthen the compliance team in alignment with financial institution responsibilities and disseminate Nu's values and culture.

Professional Experience

• Professional degree in Law, Administration, Finance, Economic Sciences, or a related field.
• 2-3 years of experience in monitoring transactional AML alerts and/or compliance processes related to AML.
• Knowledge of sanctions, KYC processes, SAR submission to the CNBV, SOFIPO, and Banking AML regulatory reports, and AML network analysis.
• CNBV certification is a plus, with Banking and SOFIPO AML investigation experience valued.
• Knowledge of Excel, Sheets, Looker, and Databricks desirable.
• Fluency in both English and Spanish required.
• Curious, detail-oriented, organized, and autonomous in making decisions based on AML policies.
• Ability to make quick strategic decisions while analyzing business risks.

Embedded within the Post Office's financial crime compliance function, the AML Analyst oversees SAR data entry, Bureau de Change transaction monitoring, and disclosure submissions to the National Crime Agency using the SARs-online system. Working closely with the Network Support, Security Intelligence, and Branch Support teams, as well as Area Managers, this role advances management visibility of compliance levels through regular MI production and timely resolution of incoming risk issues.

Areas of Ownership

• Enter data for Suspicious Activity Reports received from the Network into appropriate databases, review SARs, and determine whether disclosure is required.
• Disclose reports to the National Crime Agency using the SARs-online system.
• Complete Bureau de Change transaction monitoring and non-conformance investigations to meet Post Office obligations under Money Laundering Regulations.
• Resolve incoming issues, identify and escalate risks, and liaise with key stakeholders, including Network Support, Security Intelligence Team, Branch Support Team, Area Managers, and Grapevine.
• Contribute to the production of regular MI to inform senior management on compliance levels.

Education & Experience

• Good knowledge of Microsoft Office tools, including Office 365, Excel, Word, Dynamics, PowerPoint, SharePoint, and Business Objects.
• Good written, verbal, and telephone communication skills, with the ability to engage with stakeholders at all levels.
• Analytical and numerically able, with good problem-solving skills and the ability to understand and interpret figures.
• Proven ability to work under pressure and meet deadlines.
• Ability to handle sensitive and confidential work requiring Security Clearance.

Reporting to the compliance management team, the AML Analyst develops and monitors adherence to OFAC, USA PATRIOT Act, Bank Secrecy Act, and related AML regulations, with a focus on suspicious activity review and KYC reporting in a commercial banking environment. Partnering with senior management on SAR preparation and account investigations, this role refines the institution's compliance programs to ensure regulatory adherence and protect the bank from financial crime risk.

Role Responsibilities

• Monitor and report on compliance with OFAC guidelines, USA PATRIOT Act, Bank Secrecy Act, and AML-related rules and regulations.
• Review for SAR activity and prepare corresponding reports.
• Investigate accounts from inception to close regarding suspicious activity and escalate to the appropriate manager.
• Analyze potential AML and fraudulent transactions and conduct due diligence reviews.
• Review compliance programs to ensure adherence and generate KYC reports.

Background & Experience

• Bachelor degree required.
• CAMS certification preferred.
• Minimum 3 years of AML/BSA experience, preferably in commercial banking.
• Experience in transaction monitoring and KYC.
• Knowledge of AML, USA PATRIOT Act, and BSA.
• Familiarity with federal and state regulations.
• Strong organizational, computer, and analytical skills with attention to detail.

AML Analyst owns the end-to-end monitoring and investigation of client transactions within the Financial Crime Compliance team of Credit Suisse Luxembourg's International Wealth Management division. Leading collaboration with Client Facing Employees, Subject Matter Experts, and the MLRO, this role directly strengthens the firm's compliance posture against AML/CTF regulatory requirements across local and international frameworks.

Key Responsibilities

• Manage ex ante filtering and post monitoring of client transactions, and perform regular screening of client databases.
• Qualify hits from ex ante, ex post monitoring, and daily screenings with due justification and documentation.
• Review, analyze, and control KYC/CDD documentation, evaluate accuracy, and provide recommendations on updates or deficiencies.
• Assess the completeness and plausibility of KYC/AML information and SOW/SOF in client onboarding and ongoing due diligence.
• Investigate cases and assess ML/TF risks, ensuring compliance with AML/CTF local and international regulatory requirements.
• Organize cooperation with Client Facing Employees to address KYC/CDD deficiencies and provide analysis of PEP hits.
• Design alerts and test monitoring scenarios, review pending transactions, and propose improvements to AML/CTF tools and processes.
• Interface with Subject Matter Experts within Credit Suisse Luxembourg and globally to address AML/CTF framework tasks.
• Provide statistics on hits, alerts, investigated cases, and mitigating measures, and deliver trainings on relevant topics.
• Conduct Enhanced Due Diligence for high-risk relationships and confirm plausibility of client transactions.
• Assist the MLRO in responding to regulatory demands from CSSF, FIU, Judicial Police, and Tax authorities.
• Advise Client Facing Employees on AML/CTF and KYC/CDD matters while collaborating with First and Second Line of Defence functions.
• Support regulatory and audit requests, working groups, and projects to improve existing processes and procedures.

Required Qualifications

• University degree in Law, Business Administration, Finance, Compliance, Political Science, or International Relations, or completed banking apprenticeship with further relevant education.
• Minimum 4-6 years of experience in Audit, Compliance, or Business Risk Management.
• Mandatory experience in Private Banking and general knowledge of the Luxembourg fund industry, with experience in global banks as an asset.
• Deep knowledge of Anti-Money Laundering regulations and Swiss CDB rules regarding KYC and KYT documentation.
• Good MS Office skills, with knowledge of tools such as Mantas, Fircosoft, goAML, e-file, FrontNet, and ELAR as an asset.
• Excellent oral and written communication skills in English, with business-level French and/or German required, and additional languages advantageous.
• Open, flexible, and collaborative with strong problem-solving skills, attention to detail, and enthusiasm for Legal, Compliance, and Risk topics.
• Independent, reliable, and thorough, with a self-starter personality and ability to advise Front Office and Business Risk Management effectively.