Aml investigator

• Business Practice: Conduct financial forensic investigations on AML cases involving complex patterns of transactions. Case sources include an internal application, referrals from business lines, law enforcement and department intelligence
• Perform an independent assessment of the risk represented by the customer and/or the activity in which the customer has engaged
• Determine the best investigative approach for each unique case, ensuring that key questions are addressed and that Compliance AML for Citizens and A department policies/regulatory expectations 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 decision making with regard to status of referred customers/activity, e.g., case/ no case, SAR/ No SAR, customer exit/customer retention
• Create and maintain comprehensive case files that document the decision-making process and contain all applicable supporting documentation
• Document Suspicious Activity Reports in manner associated with law enforcement audience
• Exercise independent discretion regarding problem resolution (investigator is expected to identify, evaluate, and resolve problems rather than just report/refer to Management)
• Demonstrate the ability to identify and escalate customers/activity that represents a significant risk to Citizens in terms of regulatory compliance, violation of law, or reputation
• Compliance Management: Ensure that SARs meet all regulatory requirements and are completed within the required regulatory timeframe
• Apply knowledge of BSA/AML regulations to the analysis/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
• Relationship Management: Develop and maintain strong relationships with law enforcement by providing information and documentation to them as requested
• Respond to inquiries from Branch and business line personnel on BSA/AML matters
• Effectively communicate to bank personnel the rationale behind closing recommendations

• Bachelor's Degree Required – All relevant majors considered including Forensic Accounting, Criminal Justice, Business Administration, etc.
• Excellent written and oral communication skills
• Strong investigative and research skills
• Ability to prioritize a complex work load
• Ability to provide high quality service to all business units across CFG and adhere to Quality Standards and Corporate Values
• Excellent Microsoft Word and Excel skills along with general proficiency in adapting to new software applications

• Knowledge of AML regulations and industry best practices
• Knowledge of retail banking, lending and bank operations processes
• ACAMS Certification
• Knowledge of Brokerage Monitoring, Third Party Payment Processor Monitoring, or Embedded Finance

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more