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Inviting applications for the role of Senior Associate /Business Analyst - Due Diligence

As a first line of defense, the AML Transaction Monitoring Analyst supports client teams by reviewing retail and business transactions for potential unusual activity within defined SLAs. The analyst ensures full compliance with issuing bank requirements, AML regulations, and internal policies. The role involves identifying unusual or suspicious transaction patterns such as structuring, layering, mule activities, FEC behaviors, high-risk merchant patterns, and other typologies of financial crime. In this role, you will be responsible for performing complex Transaction Monitoring (TM) investigations covering money laundering in Correspondent Banking and PSP products, terrorist financing, and tax evasion.

The analyst must use strong critical-thinking skills to assess alerts, analyze customer behavior, and determine whether activity aligns with expected patterns. The analyst should be comfortable working with multiple systems, case management tools, and open-source intelligence (OSINT) resources to perform thorough investigations. Responsibilities also include documenting findings with clear, concise narratives, collecting evidence for audit review, escalating cases when necessary, and maintaining consistent quality and productivity standards. The role requires adaptability to process updates, regulatory changes, emerging risk trends and making independent decisions.

Responsibilities

Customer identity verification (documents, digital KYC tools, databases)

Beneficial Ownership (UBO) identification and mapping ownership structures

Enhanced Due Diligence (EDD) for higher-risk entities Sanctions and watchlist checks

Risk scoring models for individuals and entities

Reviewing ID documents, business licenses, certificates of incorporation

Analyzing corporate governance and management credibility

PEP (Politically Exposed Person) Screening

Perform inherent risk and residual risk scoring

Analyze risk factors such as geography, industry, ownership, product use, transaction types

Assess combined risk from KYC, PEP, sanctions, financial, and reputational factors

Communication with customer follow-ups & knowledge of RFIs

Within the procedural framework, use your own judgment based on your knowledge and experience to make risk-based decisions as to what is or is not normal and therefore whether to refer the alert or case for further investigation and reporting to authorities.

Document your investigations thoroughly by recording the details of the alert, the data you have considered, the basis of your conclusion, and any evidence you have gathered that supports your conclusion and risk rating

Consult and collaborate with colleagues to develop your own investigations and to help others with theirs, adopting and sharing best practices, techniques, and knowledge over time, with a focus on driving continuous improvement in both your own investigations and that of the broader team

Strive to learn and help your colleagues to learn continuously, taking and giving feedback constructively, participating actively in team continuous learning and development initiatives and training

Basic knowledge of Banking Industry & Regulatory Environment with in-depth knowledge of Regulations E, Z, CFPB, FACTA and FCRA

Qualifications we seek in you!

Minimum Qualifications

Graduate with previous experience in conducting due diligence, UBO & knowledge of risk scoring models for individuals and entities

Expert in reviewing ID documents, business licenses, certificates of incorporation

Should be comfortable working with multiple systems, case management tools, and open-source intelligence (OSINT) resources to perform thorough investigations

Should be proficient in analyzing the risk factors such as geography, industry, ownership, product use, transaction types

Strong analytical and investigative skills with the ability to identify risk from KYC, PEP, sanctions, financial, and reputational factors

Ability to make independent decisions on alert outcomes while following procedures.

Strong articulation for risk findings with clear, concise narratives, collecting evidence for audit review, escalating cases when necessary, and maintaining consistent quality and productivity standards.

Strong attention to detail and an inquisitive mindset to identify risky trends.

Proficiency in reviewing customer profiles, transaction behavior, and risk indicators.

Ability to prepare clear, concise narratives and investigation summaries.

Strong verbal and written communication skills.

Ability to adhere to productivity, quality, and SLA requirements.

Preferred Qualifications/ Skills

Exposure to AML & KYC regulations in the US, Canada, & EU is preferred.

Screening Tools Experience

Knowledge of Zendesk, Salesforce, Lexis Nexis, Actimize, will be a plus

Advanced typing skills with high accuracy and speed (45+ WPM)

Proficient in the use of MS office tools

Detail-oriented with the ability to accurately compose information while multitasking

Demonstrate flexibility to work under 24.7 working environment

Ability to work independently and in a group setting

Professional certification for Correspondent Banking (CAMS, CFE, ICA, or equivalent) preferred

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