Sr. Associate, KYC Operations Senior Analyst

Community Federal Savings Bank•New York, NY

10h•Hybrid

About The Position

The KYC Operations Senior Analyst (BSA/AML) plays a key role in executing and overseeing Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) activities across settlement services, card programs, and retail banking. This role supports the full KYC lifecycle, including onboarding, program or customer changes, periodic reviews, and exit or wind-down activities, ensuring alignment with regulatory requirements and internal compliance standards. The ideal candidate brings a strong working knowledge of BSA/AML, OFAC, CIP, and KYC requirements, exercises sound risk judgment, and serves as a quality and subject-matter resource within KYC Operations.

Requirements

Organized, detail-oriented, self-motivated, and have strong communication, writing, and follow-up skills.
Work well independently, and part of a team
Strong analytical skills, along with strong attention to detail
Understanding of Compliance and BSA/AML regulatory requirements, risks, and implications. BSA/AML Audit experience a plus
Strong communication skills to effectively resolve issues in order to minimize risks and exposure.
Ability to manage time efficiently and effectively
Bachelor’s degree required
A minimum of 3-4 years of experience in BSA/AML, KYC, and Sanctions requirements.
Fintech experience is preferred.
Must have experience documenting customer risk assessment decisions.
Experience and knowledge of various customer types and their respective functions (ex. Money service businesses, money transmitters, pre-paid card programs, and debit card programs desired)

Nice To Haves

BSA/AML Audit experience a plus

Responsibilities

Conduct in-depth KYC, CDD, and EDD reviews for settlement services, card, and retail banking customers, ensuring compliance with BSA/AML, OFAC, CIP, and internal policies.
Perform detailed customer risk assessments, documenting rationale, risk drivers, and mitigation considerations in a clear and defensible manner.
Evaluate customer or program changes, including product or service modifications, geographic expansion, ownership changes, and transaction profile updates, ensuring appropriate risk reassessment.
Review complex ownership structures, higher-risk customer types, and elevated-risk scenarios, applying enhanced due diligence standards where required.
Ensure all KYC deliverables meet high standards of quality, accuracy, and regulatory defensibility.
Perform quality control and peer reviews of KYC work, providing constructive feedback and ensuring deliverables are management- and exam-ready.
Identify trends, recurring issues, and control gaps through review activities and recommend process or procedural enhancements.
Support ongoing refinement of KYC procedures, job aids, and documentation standards to enhance consistency and efficiency.
Assist with remediation efforts related to KYC findings, data gaps, or regulatory observations.
Conduct and review watchlist, sanctions, and adverse media screening results, identifying AML typologies and appropriately dispositioning findings.
Support periodic and event-driven reviews, including higher-risk customer monitoring.
Escalate significant KYC, AML, or sanctions-related risks to KYC Operations leadership with clear documentation and recommended next steps.
Partner with AML Investigations, Fraud, and Compliance teams to ensure cohesive risk identification and resolution.
Maintain and analyze metrics related to KYC production, quality, risk trends, and review outcomes across supported business lines.
Contribute to management reporting and dashboards used to assess KYC effectiveness and emerging risk areas.
Support regulatory examinations, audits, and internal reviews by providing clear documentation, narratives, and evidence of control execution.
Serve as a subject-matter resource and informal mentor to junior analysts, reinforcing quality standards and risk-based decision-making.
Engage with internal stakeholders to clarify KYC requirements, resolve complex cases, and support efficient onboarding and review processes.
Participate in internal training, calibration sessions, and knowledge-sharing initiatives to strengthen KYC Operations consistency and capability.