Senior Analyst, AML & Financial Crimes – EDD

Raymond James•Saint Petersburg, FL

5d•Hybrid

About The Position

This position is for the Enhanced Due Diligence Team with a primary focus on conducting in-depth reviews of higher-risk customers to identify potential money laundering, terrorist financing, sanctions exposure, and other financial crime risks. The EDD Senior Analyst is responsible for evaluating complex client relationships, transactional activity, and risk indicators to ensure compliance with policies and procedures. Working with limited supervision, the EDD Senior Analyst applies advanced knowledge of AML regulatory requirements, and due diligence methodologies to deliver high-quality investigative work. The Senior Analyst performs detailed analysis of customer information and determines the significance of identified risk indicators.

Requirements

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, regulations, including the USA PATRIOT Act, Bank Secrecy Act, and Office of Foreign Asset Control 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.
Skill in applying, interpreting, and communicating EDD requirements while recommending enhancements to processes and controls.
Skill in planning, prioritizing, and managing investigative workload across deadlines in a fast-paced environment.
Skill in preparing clear written reports and investigative summaries.
Skill in conducting independent research, assessing complex client information, and resolving issues through cross-functional collaboration.
Skill in making analytical, risk-based decisions using documented evidence and investigative findings.
Skill in independently researching and resolving CIP-related issues by gathering information across multiple internal systems.
Skill in evaluating CIP data to support risk-based decisions relating to an EDD review.
Skill in providing high quality customer service in a Service 1st environment.
Skill in establishing and maintaining effective working relationships across the organization.
Skill in handling highly confidential information with integrity.
Skill in maintaining working knowledge of AML rules, regulatory changes, and industry best practices.
Bachelor’s Degree from a four-year college or university in a related field and a minimum of 3-5 years’ experience in financial crimes, compliance, or within the banking or securities industry with a focus in anti-fraud/Anti-Money laundering activities.
Any equivalent combination of education, training and/or experience approved by Human Resources.

Nice To Haves

CAMS certification is required or must be obtained within 18 months of hire.

Responsibilities

Conducting in-depth research using internal systems, third-party databases, and open-source searches to support Enhanced Due Diligence reviews on high-risk clients.
Documenting detailed investigative findings within the EDD case management system, ensuring accuracy, clarity and alignment with review expectations.
Performing detailed reviews of EDD reports to ensure investigative work and reach conclusions with accuracy.
Investigate potential negative media alerts to identify whether a true match to a prospective or existing client and escalate, as appropriate, to Management.
Performing advanced analysis of client profiles, ownership structures, source-of-funds and wealth, and transactional activity using both internal data and external research tools.
Ensure reviews and investigative activities adhere to internal procedures and regulatory requirements, including those established under the USA PATRIOT Act, BSA AML regulations, and OFAC-related guidance.
Mentoring colleagues and peers on internal AML policies, rules, and regulations.
Escalating significant findings, potential rule violations, or risks presenting regulatory or reputational exposure promptly to management.
Maintaining up-to-date knowledge of evolving AML regulatory requirements, high-risk typologies, sanctions updates, and best practices to ensure ongoing success.
Performing additional duties, project-based work, or process enhancement initiatives as needed to support the EDD program.