TD

Senior FCRM High Risk Reviews Analyst

TD

full-time

Posted on:

Location Type: Hybrid

Location: Mount Laurel • Florida • New Jersey • United States

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Salary

💰 $72,280 - $117,520 per year

Job Level

Senior

About the role

  • Performs holistic Enhanced Due Diligence (EDD) reviews on high-risk customers at onboarding, periodic review, and event driven reviews, ensuring compliance with internal policies and external regulations
  • Reviews customer risk factors/indicators, and acts as a subject matter expert to understand and assess the identified customer risk and how it relates to the Bank products/services to further determine if those risks can be mitigated
  • Responsible for documenting the assessment and providing a recommendation based on the independent analysis to maintain and/or onboard the customer
  • Evaluates and assesses customers' source of funds, business activities, ownership structures, and other risk factors
  • Reviews, assesses, and analyzes customer transactional activity to determine if customer's activity is aligned to the customer KYC profile and expected use of customer's accounts
  • Ensures adherence to AML regulations, the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) requirements, and other applicable laws
  • Proactively identifies trends and emerging risks in high-risk customer profiles, escalates issues and recommends controls or mitigation measures
  • Maintains up-to-date knowledge of regulatory changes and industry best practices, applying this expertise to enhance the KYC program
  • Prepares detailed, well-documented EDD risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators

Requirements

  • Bachelor’s degree in Business, Finance, Law, Criminal Justice, or related field
  • Advanced certifications such as CAMS, or equivalent are strongly preferred
  • 5+ years of experience in KYC, EDD, or AML within a financial institution
  • Demonstrated expertise in high-risk customer reviews and regulatory compliance
  • Strong analytical, problem-solving, and decision-making skills
  • Excellent written and verbal communication skills, with the ability to present complex findings to stakeholders
  • Proficiency in AML software and tools, as well as Microsoft Office Suite
  • Ability to exercise significant discretion and independent judgment in assessing and managing risks
  • Ability to manage multiple high-priority tasks and deliver results under tight deadlines
  • Demonstrated leadership or project management experience preferred
Benefits
  • Health and well-being benefits
  • Savings and retirement programs
  • Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
  • Banking benefits and discounts
  • Career development opportunities
  • Reward and recognition programs

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
Enhanced Due Diligence (EDD)Know Your Customer (KYC)Anti-Money Laundering (AML)risk assessmentregulatory compliancecustomer risk analysistransactional activity analysissource of funds evaluationbusiness activities assessmentownership structures evaluation
Soft skills
analytical skillsproblem-solving skillsdecision-making skillswritten communicationverbal communicationpresentation skillsdiscretionindependent judgmenttime managementleadership
Certifications
Bachelor’s degreeCAMS