Job Description

Senior Analyst

FNZ Trust Company ("FTC") is seeking a Senior Analyst to join our Anti-Money Laundering ("AML") and Sanctions Investigations Team. In this role, the incumbent will conduct independent investigations into potential money laundering, terrorist financing, sanctions violations, and other financial crimes. Investigations will leverage FNZ Trust Company's internal monitoring systems, referrals from functional areas, and open-source intelligence such as negative media, internet research and information from law enforcement.

This role will report to the BSA/AML Investigations Manager and will primarily focus on investigating and reporting suspicious activity. This is an individual contributor role.

The Senior Analyst will be responsible for performing detailed due diligence, assessing customer and transaction risks, and applying investigative expertise to determine appropriate case outcomes. The incumbent will also supporting FTC's broader financial crime compliance program by making risk-based recommendations, including customer account actions, and ensuring adherence to internal policies and regulatory requirements, including BSA/AML and OFAC obligations.

Role Responsibilities

• Conduct financial forensic investigations on AML cases involving complex patterns of transactions identified through internal AML applications, referrals from functional areas, law enforcement and other sources of intelligence.
• Perform independent assessments of the risks represented by the customer and/or activity in which the customer has engaged and determine the best investigative approach for each unique case, ensuring that key questions are addressed, and FNZ Trust Company's policies and regulatory obligations are satisfied.
• Exercise critical thinking and critical decision-making skills to efficiently and effectively determine whether or not further investigative and analytical activity is required.
• Exercise autonomous decisioning and make recommendations with regard to the status of referred customers/activity (e.g., case/no case, SAR/no SAR, customer termination/customer retention).
• Create and maintain comprehensive, well-organized case files that clearly document decision-making processes and contain all applicable supporting documentation.
• Prepare clear, concise and effective Suspicious Activity Reports (SARs), ensuring that the observed activity is described for a law enforcement audience.
• Ensure Suspicious Activity Reports meet all regulatory requirements and are completed within the required regulatory timeframe.
• Exercise independent discretion identifying, evaluating, and resolving issues. Senior Analysts are expected to resolve problems directly rather than solely escalating to AML & Sanctions Management.
• Demonstrate the ability to identify and escalate customers and activity that represent a significant risk to FTC in terms of regulatory compliance, violation of law, risk appetite or reputation.
• Demonstrate a strong understanding of BSA/AML regulations, USA PATRIOT Act, OFAC sanctions regulations and other applicable financial crime regulations, applying this knowledge to the analysis and review of customers and activity in order to identify and report suspicious activity.
• Organize and prioritize work tasks to ensure that a large volume of work is completed in a risk based and efficient manner.
• Effectively communicate any rationale behind closing/terminating recommendations.
• Provide guidance and support on current and new business initiatives, policies and procedures, risks and compensating controls, and regulatory issues.
• Provide guidance and support to First Line of Defense (FLOD), and AML & Sanctions Analysts on investigative best practices, alert reviews, and escalations.
• Display a high level of professional aptitude and standards.

Competencies

• Can execute risk management processes and procedures and demonstrate awareness of expected results.
• Takes responsibility for achieving strong results, despite balancing multiple complex demands.
• Can write effectively and present research, analysis and conclusions in a persuasive manner.
• Can work collaboratively within and across functions and lines of defense to clearly communicate information and actions needed by peers and stakeholders at multiple levels.
• Can liaise with stakeholders on best practices and impactful regulatory changes.

Qualifications

• Minimum five (5) years of relevant experience in the financial industry, with a focus on AML investigations and related reporting requirements.
• Bachelor's degree; or equivalent experience with financial crime investigations, legal or other investigation functions in a financial services firm, a regulatory organization, a legal/consulting firm or law enforcement.
• Relevant AML and/or Sanctions Certification desired
• Comprehensive knowledge and understanding of AML regulatory reporting requirements and obligations.
• Comprehensive knowledge and understanding of transaction monitoring and customer screening tools and applications, as well as related workflow and case management.
• Strong analytical, research and investigative skills.
• Strong presentation skills, both orally and written, with the ability to articulate complex problems and solutions through concise and clear messaging with people at all levels of the organization.
• Previous experience writing and filing Suspicious Activity Reports.
• Ability to interact with all levels of management across the organization.
• Self-starter with a proven ability to plan and work independently and excel in a fast-paced environment with large workloads and tight deadlines.
• Proficiency using MS Office (Outlook, Word, Excel, PowerPoint) and other tools, systems and/or applications required to perform the duties of this position.

About FNZ Culture

Our culture is what drives us. It's at the heart of who we are and everything we do. It's what inspires, excites, and moves us forward.

Our ambition is to create a culture for growth, one that opens up limitless opportunities for our employees, customers, and the wider world. At FNZ we know that great impact is only possible with great teamwork. That's why we value the strength and diversity of thought in our global team.

The FNZ Way is the cornerstone of what we do. It comprises four values that set the standard for how everyone at FNZ interacts with each other, with our customers, and with all our diverse stakeholders worldwide.

• Customer obsessed for the long-term
• Think big and make an impact
• Act now and own it all the way
• Challenge, commit and win together.

FNZ is committed to opening up wealth so that everyone, everywhere can invest in their future on their terms. We know the foundation to do that already exists in the wealth management industry, but complexity holds firms back.

We created wealth's growth platform to help. We provide a global, end-to-end wealth management platform that integrates modern technology with business and investment operations. All in a regulated financial institution.

We partner with over 650 financial institutions and 12,000 wealth managers, with US$1.5 trillion in assets under administration (AUA). Together with our customers, we help over 20 million people from all wealth segments to invest in their future.

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