Global Financial Crimes Investigator – Consumer
Bank of America
Senior Associate, AML Compliance
Santander
full-time
Posted on:
Location Type: Hybrid
Location: Boston • Florida, Massachusetts • 🇺🇸 United States
Visit company websiteSalary
💰 $93,750 - $165,000 per year
Job Level
Senior
About the role
- The Sr. Associate, AML Compliance is responsible onboarding of High Net Worth (HNW) and Ultra High Net Worth (UHNW) clients.
- Perform enhanced due diligence (EDD) on new and existing HNW/UHNW clients, including source of wealth, source of funds, and reputational risk reviews.
- Oversee KYC onboarding processes, ensuring compliance with broker-dealer and regulatory requirements.
- Monitor transactions for unusual or suspicious activity, with a focus on high-risk products, cross-border activity, and complex financial structures.
- Investigate, document, and escalate potential suspicious activity, preparing Suspicious Activity Reports (SARs) as required.
- Provide AML training and awareness specific to the HNW/UHNW client segment for relationship managers and support staff.
- Liaise with regulators, auditors, and law enforcement on AML-related inquiries and examinations.
- Stay current on emerging risks in wealth management, sanctions, PEP exposure, and financial crime typologies.
- Develops models, metrics, and controls that the company utilizes to identify potential hazardous transactions.
- Serves as a subject matter expert (SME) on AML policy and procedures to the business; providing guidance to front office, compliance, and operations teams.
Requirements
- Bachelor's Degree or equivalent work experience: Finance, Business or equivalent field - Required.
- Master's Degree: Finance, Business, or equivalent field - Preferred.
- Minimum 9+ years of AML/Financial Crime Compliance experience within a broker-dealer, private bank, or wealth management environment.
- Bilingual English/Spanish Required.
- Strong knowledge of SEC, FINRA, BSA/AML, OFAC, and FATF requirements.
- Experience handling complex client structures (trusts, family offices, offshore entities, foundations).
- Familiarity with transaction monitoring systems, case management tools, and screening platforms.
- Ability to manage multiple priorities in a fast-paced environment and exercise sound judgment on risk escalation.
- Demonstrated subject matter expertise in quantitative modeling.
- Demonstrated experience with large databases and database design.
- Advanced knowledge of modeling techniques, statistical analysis techniques and tools, and various database architectures.
- Advanced knowledge of statistics and numerical techniques.
- Excellent interpersonal, supervisory, and customer service skills required.
- Excellent written and verbal communication skills.
- Excellent project management skills.
- Excellent critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems.
- Ability to build and foster internal relationships.
- Ability to identify risk and develop/design efficient practices to mitigate risk.
- Ability to lead, influence and direct peers, subordinates and management.
- Ability to make effective decision making on complex matters.
- Ability to convey a sense or urgency and drive.
- Certifications: CAMs (Certified Anti-Money Laundering Specialist) or equivalent certification strongly preferred.
- Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
- Experience in Microsoft Office products.
Benefits
- Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
AML complianceenhanced due diligenceKYC onboardingtransaction monitoringsuspicious activity reportsquantitative modelingdatabase designstatistical analysismodeling techniquesrisk management
Soft skills
interpersonal skillssupervisory skillscustomer service skillswritten communicationverbal communicationproject managementcritical thinkingrelationship buildingdecision makingjudgment
Certifications
Certified Anti-Money Laundering Specialist
