Enterprise Financial Crimes Compliance International Analyst

U.S. Bank • Charlotte, NC

9d • Onsite

About The Position

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description The Customer Due Diligence Operations (CDDO) team is a centralized function within Enterprise Financial Crimes Compliance (EFCC), specializing in Know Your Customer (KYC) operations and key Anti–Money Laundering (AML) activities that protect the bank from financial crime risk. CDDO executes critical due diligence processes and plays a central role in ensuring the bank meets regulatory expectations and maintains a strong, consistent KYC program. Brief Description As an International Analyst, you will play a critical role in maintaining the integrity of our customer risk management program by conducting thorough reviews of elevated and high risk client profiles to ensure compliance with regulatory standards and internal policies. This position involves analyzing customer data, validating documentation, and assessing risk indicators to identify gaps or inconsistencies. You will collaborate closely with other compliance, operations, and business partners to resolve issues, escalate concerns, and recommend process improvements. Strong attention to detail, analytical thinking, and a commitment to accuracy are essential, as your work directly supports the organization’s ability to meet BSA/AML requirements and uphold a culture of compliance.

Requirements

• Bachelor's degree, or equivalent work experience
• Typically more than two years of applicable experience

Nice To Haves

• Strong critical thinking and problem solving abilities.
• Strong ability to independently research internal and external information and identify accurate, well supported conclusions.
• Clear and effective written and verbal communication skills, including the ability to articulate complex concepts.
• Ability to manage multiple priorities, organize work efficiently, and meet deadlines in a fast paced environment.
• Comfort working with data, including identifying patterns and drawing insights.
• A collaborative mindset and willingness to work across diverse teams.
• Strong understanding of applicable international AML and enhanced due diligence (EDD) regulatory requirements.
• Self motivation and ownership of their work.
• Openness to feedback and a coachable mindset.
• Agility and adaptability in a fast changing environment.
• A commitment to integrity, sound judgment, and ethical decision making.

Responsibilities

• Conduct in depth reviews of elevated and high risk customer profiles to ensure alignment with regulatory requirements and internal risk standards.
• Gather and analyze customer information and activity patterns to identify risk indicators, inconsistencies, or gaps requiring clarification or escalation.
• Validate documentation and data accuracy to ensure profiles meet enhanced due diligence expectations.
• Assess overall customer risk profile and provide well reasoned, sound recommendations.
• Clearly and thoroughly document findings, supporting conclusions with strong analytical rationale.
• Ensure due diligence documentation is complete, accurate, and sufficient to support risk assessments, escalation decisions, and regulatory or audit review.
• Collaborate with Compliance, Operations, and Business Line partners to address review inquiries, resolve risk related issues, and support timely escalation and disposition of international reviews.
• Escalate unusual or potentially suspicious activity to investigative teams to facilitate appropriate review and action.
• Identify opportunities to enhance processes, contribute to continuous improvement efforts, and support a strong compliance culture.
• Manage a dynamic review queue by prioritizing work based on risk, deadlines, and business needs while maintaining high accuracy and timeliness.
• Maintain ongoing awareness of applicable international AML regulatory requirements, guidance, and emerging risk trends to ensure due diligence practices remain current, risk based, and compliant.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level