Sr. Analyst AML-Financial Intelligence Unit (FIU) Transaction Monitoring

Raymond James•Saint Petersburg, FL

2d•Hybrid

About The Position

The AML/FCM Senior Analyst conducts end-to-end investigations of transactional activity and supports adherence to regulatory expectations across one or more lines of business. The role applies specialized knowledge of securities and/or banking products gained through experience, training, and/or certification. It also leads projects of moderate scope and complexity, resolves or recommends solutions to complex issues, and collaborates with internal stakeholders, Financial Advisors, branch personnel, and external partners to identify, research, and resolve potential concerns. The analyst investigates potentially suspicious activity, analyzes client and transaction information, prepares and submits Suspicious Activity Reports (SARs), and performs continuing activity reviews. The role communicates complex investigation outcomes and supporting risk analysis to AML Officers, administers AML policies and procedures in line with regulatory requirements including the USA PATRIOT Act, monitors regulatory and industry developments, and helps train and mentor team members.

Requirements

Bachelor’s degree from a four-year college or university in a related field.
3–5 years of relevant experience in financial transactional analysis, AML investigations, and Suspicious Activity Reporting.
Strong SAR narrative writing skills, including clear and well-supported analysis of suspicious activity.
Strong knowledge of bank and brokerage products and practices, including account types and transactional behavior.
Knowledge of financial crime typologies, including securities fraud and market manipulation.
Understanding of emerging financial risks and products, such as cryptocurrency, sanctions, and informal value transfer systems.
Ability to identify patterns, trends, and anomalies in transactional data.
Strong organizational and time management skills, with the ability to manage multiple priorities and meet deadlines.
Excellent written and verbal communication skills.
Ability to work independently and collaboratively in a fast-paced environment.
High level of professionalism, confidentiality, and customer service.
Commitment to staying current with AML regulations, emerging risks, and industry best practices.
CAMS certification is required within 12 months of the hire date.

Nice To Haves

Brokerage industry experience (1–2 years) is highly preferred.

Responsibilities

Conduct routine to complex investigations of potentially suspicious activity identified through transaction monitoring surveillance, branch escalations, regulatory inquiries, or referrals from Compliance, Legal, Risk, or other business units.
Analyze client background information, securities transactions, and fund movements to identify potential money laundering, terrorist financing, or other financial crimes.
Use internal systems and external research tools, including negative news screening, to analyze activity and determine whether escalation is warranted.
Submit 314(b) requests and Requests for Information (RFIs) to branches as needed.
Prepare detailed, accurate, and timely Suspicious Activity Reports (SARs) for submission to regulators and/or law enforcement when suspicious activity is identified.
Perform continuing activity reviews and identify and report ongoing suspicious activity.
Communicate complex investigation findings and outcomes to AML Officers through clear, well-written narratives that include risk analysis and supporting evidence to support risk-based retention or termination decisions.
Ensure follow-through on account closures for terminated relationships.
Administer AML policies and procedures in alignment with regulatory requirements, including the USA PATRIOT Act.
Monitor regulatory developments and industry trends and support their integration into the firm's AML program.
Train and mentor team members on AML policies, procedures, and regulatory requirements.
Deliver presentations during team and departmental meetings.
Perform other duties as assigned.