AML Investigator, Complex Investigations

AML Investigator

Job Summary The US Investigations Unit supports the Bank's Financial Crime Compliance Americas division ("FCC") in ensuring that the business in the US operates in accordance with all legal and regulatory requirements and all Group standards relating to Anti-Money Laundering ("AML") and Counter Terrorism Financing ("CTF"). This AML Investigator role is responsible for conducting investigations that detect and report suspicious activity to governmental authorities in accordance with US regulatory requirements as set out in the Bank Secrecy Act (BSA).

This role will support the FCC and Investigation Unit management in the effective delivery of the Bank's AML program with responsibility to adhere to US regulations that pertain to the US BSA, PATRIOT Act and Suspicious Activity Report ("SAR") filing requirements with the U.S. Treasury's Financial Crimes Enforcement Network ("FinCEN"), including the reasons to file a SAR and SAR filing timelines.

Key Responsibilities To support and deliver against the Bank's FCC Investigation strategy and broader financial crime compliance strategy and core mission. Processes
• Review and analyze leads for potential suspicious activity, including those generated from detection scenario processes, the service of subpoenas and warrants, negative media reports, as well as other sources to include:
• Identifying, researching and reporting suspicious activity in line with FinCEN requirements.
• Managing the investigative process from initial detection to disposition within agreed timelines.
• Thoroughly and timely reviewing reports and other investigative leads that potentially identify suspicious activity.
• Formulating and recommending responses to potentially suspicious findings, reporting such activity to the appropriate regulatory authorities, and supporting FCC in developing the Bank's forward-looking risk-mitigation response.
• Make recommendations for post investigative risk mitigating actions.
• Support Investigation Group Managers and Team Leads and work with team members in conducting AML investigations, determining whether to close a case or escalate findings, and in ensuring the timely and high-quality filing of SARs.
• Coordinate responses and requests pursuant to Section 314 of the USA PATRIOT Act.
• Conduct AML investigations with respect to matters presenting heightened complexity, sensitivity and risk.
• Present noteworthy and significant investigation findings to peers and senior stakeholders at routine meetings.
• Perform data-entry related to tracking and documenting all investigative steps.
• Timely escalation of new, emerging, or previously unknown, AML typologies, patterns, and trends to FCC Management.

Qualifications
• Bachelor degree in Finance, Economics, Economic Crime Investigation, or related field of study, from an accredited institution
• Advanced degrees (JD, MBA, etc.) will be viewed positively
• 1-3 years AML Compliance or related banking experience and / or experience involving money laundering or complex financial investigations within the financial industry or in the governmental regulatory, intelligence or law enforcement space (international, federal, state and local levels will be considered); or equivalent
• ACAMS certification strongly preferred but not required.
• Demonstrates an understanding of the key products or services provided by the business / function, and the processes and controls that underpin them.
• Demonstrates an understanding of compliance regulations, knowledge of global procedures and policies, including a core understanding in AML, Sanctions, CDD or Anti Bribery.
• Demonstrates an understanding of the SAR process.
• Proven capability to conduct open source research and leverage Bank internal data sources to assist in building composite analytical products.
• Has the ability to interpret complex information and determine the research and analysis required to extract facts that can be objectively supported. Has a strong investigative mindset where critical thinking is applied, exemplified by a number of attributes; professional scepticism, a meticulous and consistent approach to research…