AML BSA Risk Investigator

Atlantic Union Bank

. 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.

Posted 5/23/2026full-timeRichmond • Maryland, Virginia • 🇺🇸 United StatesMid-LevelSenior💰 $72,614 - $120,515 per yearWebsite

About the role

Key responsibilities & impact

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.
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.

Requirements

What you’ll need

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.
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 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.

Benefits

Comp & perks

General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

BSA/AML complianceAML investigationssuspicious activity reportingrisk analysistransaction monitoringinvestigative techniquesregulatory reportingdata analyticsdocument processesproblem solving

Soft Skills

analytical skillsattention to detailinterpersonal skillscommunication skillsindependent decision makingteam collaborationownership of assignmentstime managementarticulation of findingsconcise communication

Certifications

BSA/AML CertificationCAMSCAFP