Senior Analyst, AML FCM Client Intelligence Unit

Raymond James•Saint Petersburg, FL

3d•Hybrid

About The Position

The Senior Analyst works on the Enhanced Due Diligence (EDD) Team, conducting in-depth reviews of higher-risk customers to identify potential money laundering, terrorist financing, sanctions exposure, and other financial crime risks. The role evaluates complex client relationships, transactional activity, and risk indicators to ensure compliance with company policies, procedures, and applicable regulatory requirements. With limited supervision, the Senior Analyst applies advanced AML regulatory and due diligence knowledge to produce high-quality investigative work and assess the significance of identified risk indicators. The role involves researching clients through internal systems, third-party databases, and open sources; analyzing client profiles, ownership structures, source of funds and wealth, and transactional activity; documenting findings; reviewing EDD reports; and investigating potential negative media alerts. The Senior Analyst escalates significant findings and potential risks to management, mentors colleagues on AML policies and rules, and maintains current knowledge of regulatory requirements, high-risk typologies, sanctions updates, and investigative best practices. The position may also support projects and process-improvement initiatives. The position is hybrid, with travel of less than 25%. The company describes its people-first culture and guiding behaviors as Develop, Collaborate, Decide, Deliver, and Improve. The company is an equal opportunity employer and makes employment decisions based on merit and business needs.

Requirements

Bachelor’s degree from a four-year college or university in a related field and 3–5 years of experience in financial crimes, compliance, or the banking or securities industry, with a focus on anti-fraud or anti-money laundering activities; or an equivalent combination of education, training, and/or experience approved by Human Resources.
CAMS certification is required or must be obtained within 18 months of hire.
Knowledge of Enhanced Due Diligence processes, including investigative analysis, source-of-wealth and source-of-funds verification, transactional review, and risk assessment.
Knowledge of AML laws and regulations, including the USA PATRIOT Act, Bank Secrecy Act, OFAC guidance, and CIP- and EDD-specific requirements.
Knowledge of client documentation, corporate structures, beneficial ownership, and customer risk indicators.
Knowledge of investigative research techniques, negative news methodologies, and narrative development.
Knowledge of financial services industry operations, including banking processes, securities products, and financial-crime risk exposure.
Knowledge of Customer Identification Program, Customer Due Diligence, and Know Your Customer requirements.
Ability to apply, interpret, and communicate EDD requirements and recommend enhancements to processes and controls.
Ability to plan, prioritize, and manage investigative workload across deadlines in a fast-paced environment.
Ability to prepare clear written reports and investigative summaries.
Ability to conduct independent research, assess complex client information, and resolve issues through cross-functional collaboration.
Ability to make analytical, risk-based decisions using documented evidence and investigative findings.
Ability to provide high-quality customer service in a Service 1st environment and maintain effective working relationships across the organization.
Ability to handle highly confidential information with integrity.
Ability to maintain working knowledge of AML rules, regulatory changes, and industry best practices.

Responsibilities

Conduct in-depth research using internal systems, third-party databases, and open-source searches to support Enhanced Due Diligence reviews of high-risk clients.
Document investigative findings in the EDD case management system accurately and clearly, in alignment with review expectations.
Perform detailed reviews of EDD reports to assess investigative work and conclusions for accuracy.
Investigate potential negative media alerts to determine whether they are true matches to prospective or existing clients, and escalate as appropriate.
Analyze client profiles, ownership structures, source of funds and wealth, and transactional activity using internal data and external research tools.
Ensure reviews and investigative activities comply with internal procedures and regulatory requirements, including the USA PATRIOT Act, BSA AML regulations, and OFAC-related guidance.
Mentor colleagues and peers on internal AML policies, rules, and regulations.
Promptly escalate significant findings, potential rule violations, and risks involving regulatory or reputational exposure to management.
Maintain up-to-date knowledge of AML regulatory requirements, high-risk typologies, sanctions updates, and best practices.
Perform additional duties, project-based work, and process-enhancement initiatives as needed to support the EDD program.
Independently research and resolve CIP-related issues by gathering information across multiple internal systems.
Evaluate CIP data to support risk-based decisions relating to an EDD review.