Job Description

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Our division prevents, detects and mitigates compliance, regulatory and reputational risk across the firm and helps to strengthen the firms culture of compliance. Compliance accomplishes these through the firms enterprise-wide compliance risk management program. As an independent control function and part of the firms second line of defense, Compliance assesses the firms compliance, regulatory and reputational risk; monitors for compliance with new or amended laws, rules and regulations; designs and implements controls, policies, procedures and training; conducts independent testing; investigates, surveils and monitors for compliance risks and breaches; and leads the firms responses to regulatory examinations, audits and inquiries. You'll be part of a team with members from a wide range of academic and professional backgrounds, such as law, accounting, political science, and criminal justice. We look for those who possess sound judgment, curiosity, and are able to adapt to a changing regulatory landscape.

Financial Crime Compliance (FCC) has primary responsibility for the execution of the firms enterprise-wide Anti-Money Laundering (AML), anti-bribery, and government sanctions compliance programs and, among other things, performs enhanced due diligence and government sanctions screening, as well as surveillance and investigations designed to identify potential terrorist financing, money laundering, bribery, corruption, and market abuse, or other suspicious activity.

Digital Finance is composed of the firms digitally-led consumer businesses which include the global online consumer deposits business, and the US online consumer lending and credit card businesses. Digital Finance combines the strength and heritage of a 147-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. This unique dynamic allows us to help our customers achieve financial progress through customizable solutions that are grounded in value, transparency and simplicity.

This is an opportunity to join Consumer FCC - supporting the firms digital retail deposits, lending and credit card businesses - and contribute to the goals of the Financial Crime Compliance Investigations team. Responsibilities of the role include the completion of daily case investigations and supporting projects to meet the overall department goals in line with the firms AML program. The role supports various AML & Fraud processes, including but not limited to, transaction activity reviews, suspicious activity, fraud referral, and enhanced due diligence, investigations, fulfillment of information sharing and law enforcement requests, and filing of Suspicious Activity Reports.

The successful candidate will join the Financial Crime Compliance group and assist in conducting case investigations to identify patterns and trends consistent with money laundering, terrorist financing, fraud, and other types of suspicious activity. The role may also require the candidate to perform periodic reviews of customers which pose a heighted risk for money laundering with the objectives of ensuring collection of enhanced due diligence, updating customer KYC information as needed, and assessing the appropriateness of the customers risk profile.

Preferred Qualifications

* Extensive knowledge of the consumer banking industry as it relates to BSA/AML operations and regulations
* 5+ years of prior transaction surveillance and investigations experience in AML, counter-terrorism, anti-bribery, and/or anti-fraud experience (consumer banking experience is preferred)
* Understanding of the opportunities and challenges in the digital finance sector, particularly as they relate to AML and Fraud investigations
* Experience reviewing and investigating transaction surveillance alerts, including the drafting and filing of Suspicious Activity Reports
* Experience reviewing fraud referrals and conducting fraud investigations is a plus
* Excellent analytical thinking and problem solving skills
* Excellent organizational and project management skills
* Excellent written and verbal communication skills with the ability to summarize findings and present in a clear, concise manner to peers, managers and senior members of FCC management
* Ability to work independently while simultaneously contributing to the team
* Ability to adapt to new changes and challenges in a fast-paced environment
* Ability to prioritize work flows and ensure deadlines are met
* Ability to communicate Compliance requirements for consumption by Engineering and identify opportunities for process improvements in various areas of transaction surveillance operations and practices
* Experience working with large datasets, reporting dashboards (Tableau), and proficiency in Excel (pivots, VLookups), PowerPoint and Alteryx is a plus