Associate, U.S. Capital Markets Financial Crimes Advisory

Job Description

WHAT IS THE OPPORTUNITY?

RBC is seeking an Financial Crimes Advisor to join its U.S. Capital Markets Financial Crimes Advisory team. This role involves supporting the Capital Markets Financial Crimes Advisory team on day to day operations inclusive of conducting risk-based reviews of clients, handling 314(a) and 314(b) requests, handling regulatory referrals, and contributing to Financial Crimes policy and program enhancements. The successful candidate will have AML/Financial Crimes experience, strong knowledge of BSA/USA PATRIOT Act/OFAC, and expertise in Capital Markets compliance.

WHAT WILL YOU DO?

• Support the U.S. Financial Crimes Program, including RBC Capital Markets, LLC, 3WFC Branch, RBC Real Estate Capital Corp, RBC CMA LTD and other U.S. entities. This includes Capital Markets and a Cross Border Business that provides check and ACH clearing for RBC Affiliates
• Cross-train across multiple Financial Crimes advisory disciplines and provide compliant, risk-aligned guidance as business needs evolve.
• Coordinate the ongoing implementation and refinement of customer profiles under the Customer Due Diligence rule, Section 312, 313(a), and 319(b) (Foreign Financial Institutions) to comply with internal procedures, satisfy regulatory requirements and ensure adequate enhanced due diligence of high risk customers.
• Support the team in its FC oversight of the RBCCM Customer Due Diligence and Enhanced Due Diligence programs, including the review of high-risk customer information and documentation
• Complete reviews based on escalations for negative news, high risk factors, sanctions and clarification on regulatory requirements.
• Assess and respond to information-sharing requests including 314(a), 314(b), and supporting documentation inquiries, ensuring timely and compliant handling.
• Review regulatory and law enforcement requests to determine whether escalation to the Financial Intelligence Unit for further investigation is warranted.
• Support the oversight of US-based Financial Intelligence Unit investigations, SAR reporting, and risk-based recommendations regarding relationship terminations.
• Contribute to ongoing production of biweekly, monthly, and quarterly financial crime metrics and enterprise risk assessment reports to support governance and oversight functions.
• Assist in the development, enhancement, and testing of Financial Crimespolicies, procedures, and controls.
• Provide effective challenge and recommend solutions
• Perform gap analysis between internal controls and regulatory requirements.
• Act as a subject matter expert on U.S. AML/ Financial Crimes and sanctions risks specific to Capital Markets products and entities.
• Collaborate with Global Financial Crimes teams to ensure consistency and share best practices.
• Assist in developing and delivering targeted Financial Crimes training programs on emerging risks and regulatory changes.
• Maintain training records and support knowledge-sharing initiatives across the Financial Crimes team.
• Stay current with evolving AML, Sanctions, and ABAC regulations, guidance, and industry trends.

WHAT DO YOU NEED TO SUCCEED?

Must have

• Bachelor's degree.
• 1-3 years of experience in AML, financial crimes compliance, or related field within Capital Markets or Banking.
• Knowledge of U.S. Financial Crimes laws and regulations, including BSA, USA PATRIOT Act, FinCEN guidance, and OFAC requirements.
• Experience conducting risk based reviews.
• Excellent analytical, writing, and problem-solving skills.
• Strong interpersonal skills with the ability to collaborate across teams and functions.
• Strong organizational and time management capabilities.
• Deadline-driven and results-oriented; able to meet consistently high-quality standards while handling a variety of tasks and deadlines simultaneously.
• Strong ability to operate independently and proactively build subject-matter knowledge through review of policies, procedures, and historical materials

Nice-to-have:

• Certified Anti-Money Laundering Specialist (CAMS) designation (or willingness to attain
• Understanding of relevant emerging risks a plus (e.g. cryptocurrency)

What's in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
• Leaders who support your development through coaching and managing opportunities
• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high-performing team
• A world-class training program in financial services
• Flexible work/life balance options
• Opportunities to do challenging work

The good-faith expected salary range for the above position is $80,000 - $135,000 depending on factors including but not limited to the candidate's experience, skills, registration status; market conditions; and business needs.This salary range does not include other elements of total compensation, including a discretionary bonus and benefits such as a 401(k) program with company-matching contributions; health, dental, vision, life and disability insurance; and paid time-off plan.

RBC's compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that:

* Drives RBC's high performance culture

* Enables collective achievement of our strategic goals

* Generates sustainable shareholder returns and above market shareholder value

#LI-POST

Job Skills

Anti-Money Laundering (AML), Communication, Data Gathering Analysis, Detail-Oriented, Financial Regulation, Fraud Risk Management, Group Problem Solving, Internal Controls, Operational Integrity, Process Management

Additional Job Details

Address:

GOLDMAN SACHS TOWER, 30 HUDSON STREET:JERSEY CITY

City:

Jersey City

Country:

United States of America

Work hours/week:

40

Employment Type:

Full time

Platform:

GROUP RISK MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-10-13

Application Deadline:

2026-02-27

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

Join our Talent Community

Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.

Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.

---