Lead AML​/CFT Analyst

North Easton Savings Bank is seeking a Lead AML/CFT Analyst within our Risk Management & Compliance department in the Banking, Insurance & Investment industry. You will lead AML/CFT monitoring, investigations, and reporting, enhance transaction monitoring rules, and oversee compliance with BSA, AML, and sanctions regulations. Responsibilities include managing complex alerts and SARs, advising business units, supporting audits and regulatory exams, and mentoring junior analysts.

We foster an innovative, collaborative culture with strong learning and career-growth opportunities, where your work has a direct impact on safeguarding our customers and institution.

Responsibilities

• Lead and perform complex AML/CFT investigations arising from transaction monitoring alerts, internal referrals, and external requests.
• Oversee the review, escalation, and disposition of potential suspicious activity, ensuring timely and accurate case handling.
• Coordinate the preparation, drafting, and filing of Suspicious Activity Reports (SARs) and related regulatory submissions with high-quality narratives.
• Guide and mentor junior AML analysts, reviewing their work for quality, consistency, and adherence to policies and procedures.
• Contribute to the design, tuning, and enhancement of transaction monitoring scenarios, rules, and thresholds based on emerging risks and typologies.
• Support and strengthen customer due diligence (CDD) and enhanced due diligence (EDD) practices for higher-risk customers and segments.
• Monitor regulatory developments and industry best practices in AML/CFT, sanctions, and financial crime, translating them into program improvements.
• Assist with periodic AML/CFT risk assessments and contribute to enterprise risk management initiatives in partnership with the Risk Management & Compliance team.
• Support internal and external audits, examinations, and regulatory inquiries by preparing documentation, evidence, and responses.
• Collaborate with business lines, operations, and technology teams to embed effective AML/CFT controls into products, services, and processes.
• Develop or support AML/CFT-related training and awareness activities for front-line staff and other stakeholders.
• Produce clear, concise, and well-supported investigative documentation and management reporting on trends, issues, and remediation progress.

Required Skills

• Advanced knowledge of AML/CFT regulations, including BSA, USA PATRIOT Act, OFAC, and related regulatory guidance.
• Hands-on experience with AML transaction monitoring systems and case management platforms.
• Strong investigative and analytical skills, including ability to interpret complex transactional data and customer behavior.
• Ability to write clear, concise, and well-supported investigative narratives and regulatory filings.
• Experience with customer due diligence (CDD), enhanced due diligence (EDD), and sanctions screening processes.
• Familiarity with financial products, services, and typical banking transaction flows.
• Proficiency in Microsoft Excel and other analytical tools for data review and reporting.
• Comfort working with large data sets and using queries or reports to identify patterns and anomalies.
• Strong organizational skills with ability to manage multiple cases and priorities under tight timelines.
• Ability to interpret and apply regulatory requirements and internal policies in a risk-based manner.
• Effective communication skills for working with cross-functional teams and presenting findings to management.
• Leadership and mentoring capabilities to guide junior analysts and promote best practices in investigations.