AML Analyst

Key Responsibilities

As an AML Analyst, you will play a crucial role in safeguarding financial integrity. Your responsibilities include a thorough review of AML alerts and comprehensive customer and transaction research to identify and mitigate potential financial risks.

Alert Review & Analysis

• Review AML alerts generated in FCRM, identifying potential red flags such as structuring, high-risk/high-volume transactions, unusual patterns, or significant changes in customer behavior.
• Analyze the alerted activity along with 30 days of recent account activity to determine context, identify patterns, and assess legitimacy.

Customer & Transaction Research

• Conduct detailed customer profile checks by validating information against internal records to understand expected account behavior.

Alert Disposition & Escalation

• Determine the appropriate outcome for each alert: Close alerts deemed non-suspicious with thorough justification, or escalate suspicious activity for further investigation in compliance with regulatory requirements.

Documentation & Reporting

• Document findings, analysis, and decision rationale in the required FCRM format, ensuring accuracy, completeness, and adherence to regulatory expectations.
• Maintain audit-ready records that support the investigative process and decision outcomes.

Compliance & Risk Management

• Ensure all reviews and decisions comply with the Bank Secrecy Act (BSA), OFAC requirements, internal AML policies, and relevant regulatory guidelines.
• Support continuous enhancement of AML processes by identifying gaps or patterns in suspicious activity.

Required Qualifications & Experience

• Bachelor’s degree in Finance, Business, Economics, Criminal Justice, Accounting, or a related field (or equivalent experience).
• 2–4+ years of experience in AML, fraud, compliance, banking operations, or financial services.
• Experience with case management or transaction monitoring systems (e.g., FCRM) is preferred but not required.

Preferred Qualifications

• CAMS, CFE, or other compliance-related certification (in progress or completed).
• Prior experience in AML alert review, KYC, fraud investigation, or risk management.

TCS Employee Benefits Summary

• Discretionary Annual Incentive.
• Comprehensive Medical Coverage: Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans.
• Family Support: Maternal & Parental Leaves.
• Insurance Options: Auto & Home Insurance, Identity Theft Protection.
• Convenience & Professional Growth: Commuter Benefits & Certification & Training Reimbursement.
• Time Off: Vacation, Time Off, Sick Leave & Holidays.
• Legal & Financial Assistance: Legal Assistance, 401K Plan, Performance Bonus, College Fund, Student Loan Refinancing.

Key skills/competency

• AML Compliance
• FCRM
• Transaction Monitoring
• Financial Crime
• BSA (Bank Secrecy Act)
• OFAC
• Risk Management
• Fraud Investigation
• Data Analysis
• Regulatory Reporting