Aml Specialist Jobs

About The Position

Requirements

• High school diploma or equivalent required.
• At least three years of AML and CFT experience in a banking or financial services environment.
• Must possess, or be able to obtain within one year of hire, a recognized AML/CFT professional certification.
• Strong knowledge of banking operations, financial products, and regulatory compliance requirements.
• Proficiency with Microsoft Office applications, including Word, Excel, and Outlook.
• Ability to analyze and interpret financial statements, including balance sheets, income statements, cash flow statements, and financial ratios.
• Strong analytical, investigative, and problem-solving skills, with exceptional attention to detail.
• Excellent verbal, written, and interpersonal communication skills, including the ability to communicate effectively with employees, customers, and regulatory agencies.
• Ability to prioritize workload, manage multiple deadlines, and work efficiently in a fast-paced environment.
• Ability to adapt to changing priorities and maintain professionalism under pressure.
• Demonstrated commitment to confidentiality, ethical conduct, and compliance with company policies and procedures.
• Ability to work independently and contribute effectively as part of a collaborative team.
• Must be authorized to work in the U.S. without current or future company sponsorship.
• Must reside within the geographic footprint of the Bank’s operating locations.
• Valid driver’s license and proof of automobile insurance required.
• Ability to travel to branch locations, customer sites, trainings, conferences, or other business-related events as needed.

Nice To Haves

• Associate’s degree, bachelor’s degree, or additional coursework in finance, business, accounting, criminal justice, or a related field.

Responsibilities

• Monitor customer transactions and activity through transaction monitoring systems to identify unusual or potentially suspicious activity.
• Investigate AML/CFT, OFAC, and fraud-related alerts and document findings in accordance with Bank policies and regulatory requirements.
• Conduct Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and ongoing customer risk reviews.
• Prepare clear, thorough, and accurate case documentation, including recommendations for escalation when warranted.
• Assist with identifying, investigating, and reporting suspicious activity, including preparing and filing Suspicious Activity Reports (SARs) when required.
• Perform sanctions screening reviews and support compliance with OFAC requirements.
• Analyze customer and transaction data to identify trends, emerging risks, and potential compliance concerns.
• Support administration and effectiveness of the Bank’s AML, CFT, OFAC, and Red Flags Identity Theft Prevention Programs.
• Collaborate with business units, branch personnel, operations, lending, and other departments to gather information and resolve compliance-related matters.
• Provide employees with guidance and support regarding AML/CFT requirements, customer risk assessments, and regulatory obligations.
• Assist with regulatory examinations, internal audits, independent testing, and compliance reviews by preparing reports and supporting documentation.
• Maintain current knowledge of AML/CFT regulations, financial crime trends, and industry best practices.
• Contribute to developing, enhancing, and implementing policies, procedures, controls, and monitoring processes.
• Participate in compliance-related training programs and help promote a strong culture of compliance.
• Generate periodic management reports and metrics related to AML/CFT monitoring activities, investigations, and program effectiveness.
• Complete assigned responsibilities accurately and timely, in accordance with regulatory requirements and Bank standards.
• Protect confidential customer and Bank information and adhere to high standards of ethics and professionalism.
• Perform additional duties and special projects as assigned.