AML Analyst

Key Responsibilities 1. Alert Review & Analysis

• Review AML alerts generated in FCRM, identifying potential red flags such as structuring, high-risk/high-volume transactions, unusual patterns, or significant changes in customer behavior.

• Analyze the alerted activity along with 30 days of recent account activity to determine context, identify patterns, and assess legitimacy.
2. Customer & Transaction Research

• Conduct detailed customer profile checks by validating information against internal records to understand expected account behavior.
3. Alert Disposition & Escalation

• Determine the appropriate outcome for each alert: o Close alerts deemed non-suspicious with thorough justification, or 4. Documentation & Reporting

• Document findings, analysis, and decision rationale in the required FCRM format, ensuring accuracy, completeness, and adherence to regulatory expectations.

• Maintain audit-ready records that support the investigative process and decision outcomes.
5. Compliance & Risk Management

• Ensure all reviews and decisions comply with the Bank Secrecy Act (BSA), OFAC requirements, internal AML policies, and relevant regulatory guidelines.

• Support continuous enhancement of AML processes by identifying gaps or patterns in suspicious activity.

Required Qualifications & Experience

• Bachelors degree in Finance, Business, Economics, Criminal Justice, Accounting, or related field (or equivalent experience).

• 24+ years of experience in AML, fraud, compliance, banking operations, or financial services.

• Experience with case management or transaction monitoring systems (e.g., FCRM) is preferred but not required.

Preferred Qualifications

• CAMS, CFE, or other compliance-related certification (in progress or completed).

• Prior experience in AML alert review, KYC, fraud investigation, or risk management. TCS Employee Benefits

Summary:

• Discretionary Annual Incentive.

• Comprehensive Medical Coverage:
Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans.

• Family Support:
Maternal & Parental Leaves.

• Insurance Options:
Auto & Home Insurance, Identity Theft Protection.

• Convenience & Professional Growth:
Commuter Benefits & Certification & Training Reimbursement.

• Time Off:
Vacation, Time Off, Sick Leave & Holidays.

• Legal & Financial Assistance:
Legal Assistance, 401K Plan, Performance Bonus, College Fund, Student Loan Refinancing. Salary Range: $50,000 - $80,000 per year