FIU AML BSA Risk Investigator

The FIU AML Risk Investigator (Investigator) serves as a subject matter expert performing a wide range of functions with a high level of difficulty and complexity into money laundering and financial crimes typologies, unusual activity, initial onboarding due diligence and ongoing periodic risk analysis. A strong understanding and interpretation upon review of subpoenas / law enforcement requests is required. The Investigator will possess independent decision-making skills to determine if and when to initiate or reply to an Information Sharing (314b) request. This position will have operational responsibilities for accurately evaluating AML risk and taking the appropriate action to protect the company against risk of money laundering and terrorist financing activity in partnership with FIU leadership including required regulatory reporting.

Position Accountabilities

• Conduct end-to-end reviews on higher risk customers including but not limited to periodic risk analysis, AML investigations, and suspicious activity reporting related to BSA/AML and Fraud.
• Utilizes a variety of analytical techniques, which may include internal or external software systems, to make informed decisions concerning customer account transaction activity, account balances, and account status.
• Ensures suspicious or unusual transactions are appropriately identified, documented, and managed in accordance with Bank policies, procedures, and regulatory requirements.
• Partners with lines of business (LsOB) or individual account officers for additional information as needed.
• Manage and navigate complex investigations
• Managing assignments to ensure work is completed in adherence to deadlines and quality expectations
• Maintain Subject Matter Expertise in federal and state laws, regulations, and guidance related to BSA/AML
• Maintain a strong understanding of factors contributing to AML Risks.
• Identify gaps and make procedural recommendations to strengthen the integrity of the BSA/AML Program specific to risk investigations.
• Review customers' suitability for products and regulatory exemptions to provide recommendation to management.
• Making recommendations for exiting relationships based on AML risks, following-up to ensure closures are performed as directed.
• Assist FIU Management with tracking metrics on a quarterly basis, identifying and escalating concerns upon review
• Perform other duties as assigned by management.

Organizational Relationship

This position reports to the Supervisor -FIU AML Risk FIUY

Supervision of Others – No

Position Qualifications

Education & Experience

• Bachelor's degree in Criminal Justice, Business or a related field preferred.
• BSA/AML/Fraud Certification (CAMS, CAFP) preferred.
• 4 or more years of BSA / AML compliance, with focus in AML Risk strongly preferred.
• Experience with the Verafin transaction monitoring system preferred.

Knowledge & Skills

• Ability to identify potential AML, terrorist financing, Fraud related suspicious activity and articulate high-level findings both verbally and written, effectively to all levels of management.
• A thorough knowledge of financial crime trends and typologies with the practical application of investigative techniques and advanced knowledge of regulatory reporting requirements.
• Ability to make independent risk-based decisions supported by facts and documentation obtained through analysis and research.
• Ability to document processes, creating job-aids for assigned tasks to present to FIU management.
• Ability to identify and recommend process improvements to achieve efficiencies with existing policies/procedures.
• Ability to clearly document and communicate risk(s) posed to the organization, driven by investigative findings.
• Advanced written, oral, data analytics, and interpersonal skills with high attention to detail and strong analytical, problem solving and logical reasoning.
• Ability to work independently or in a group setting while taking ownership of assignments
• Must be able to meet all deadlines for assigned tasks
• Ability to convey ideas concisely and clearly
• Advanced PC skills, proficient in word and excel
• A strong working knowledge of AML transaction monitoring systems and processes.

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.

Equal Opportunity Employer

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