Senior Analyst, AML FCM Client Intelligence Unit

Job Description Summary

This position is for the Enhanced Due Diligence Team with a primary focus on conducting in-depth reviews of higher-risk customers to identify potential money laundering, terrorist financing, sanctions exposure, and other financial crime risks. The EDD Senior Analyst is responsible for evaluating complex client relationships, transactional activity, and risk indicators to ensure compliance with policies and procedures.

Working with limited supervision, the EDD Senior Analyst applies advanced knowledge of AML regulatory requirements, and due diligence methodologies to deliver high-quality investigative work. The Senior Analyst performs detailed analysis of customer information and determines the significance of identified risk indicators.

Job Description

Essential Duties and Responsibilities:

• Conducting in-depth research using internal systems, third-party databases, and open-source searches to support Enhanced Due Diligence reviews on high-risk clients.
• Documenting detailed investigative findings within the EDD case management system, ensuring accuracy, clarity and alignment with review expectations.
• Performing detailed reviews of EDD reports to ensure investigative work and reach conclusions with accuracy.
• Investigate potential negative media alerts to identify whether a true match to a prospective or existing client and escalate, as appropriate, to Management.
• Performing advanced analysis of client profiles, ownership structures, source-of-funds and wealth, and transactional activity using both internal data and external research tools.
• Ensure reviews and investigative activities adhere to internal procedures and regulatory requirements, including those established under the USA PATRIOT Act, BSA AML regulations, and OFAC-related guidance.
• Mentoring colleagues and peers on internal AML policies, rules, and regulations.
• Escalating significant findings, potential rule violations, or risks presenting regulatory or reputational exposure promptly to management.
• Maintaining up-to-date knowledge of evolving AML regulatory requirements, high-risk typologies, sanctions updates, and best practices to ensure ongoing success.
• Performing additional duties, project-based work, or process enhancement initiatives as needed to support the EDD program.

Knowledge of:

• Enhanced Due Diligence processes, including investigative analysis, source-of-wealth and source-of-funds verification, transactional review, and risk assessment.

• AML laws, regulations, including the USA PATRIOT Act, Bank Secrecy Act, and Office of Foreign Asset Control guidance, and CIP and EDD specific requirements.

• Client documentation, corporate structures, beneficial ownership, and customer risk indicators.

• Investigative research techniques, negative news methodologies, and narrative development.

• Financial services industry operations, including banking processes, securities products, and financial-crime risk exposure.

• Customer Identification Program, Customer Due Diligence, and Know Your Customer requirements.

Skill In:

• Applying, interpreting, and communicating EDD requirements while recommending enhancements to processes and controls.
• Planning, prioritizing, and managing investigative workload across deadlines in a fast-paced environment,
• Preparing clear written reports and investigative summaries.
• Conducting independent research, assessing complex client information, and resolving issues through cross-functional collaboration.
• Making analytical, risk-based decisions using documented evidence and investigative findings.
• Independently researching and resolving CIP-related issues by gathering information across multiple internal systems.
• Evaluating CIP data to support risk-based decisions relating to an EDD review.
• Providing high quality customer service in a Service 1st environment.
• Establishing and maintaining effective working relationships across the organization.
• Handling highly confidential information with integrity.
• Maintaining working knowledge of AML rules, regulatory changes, and industry best practices.

Education and Experience

• Bachelor’s Degree from a four-year college or university in a related field and a minimum of 3-5 years’ experience in financial crimes, compliance, or within the banking or securities industry with a focus in anti-fraud/Anti-Money laundering activities.

• ~OR ~

• Any equivalent combination of education, training and/or experience approved by Human Resources.

Licenses/Certifications

• CAMS certification is required or must be obtained within 18 months of hire.

Education

Work Experience

Certifications

Travel

Less than 25%

Workstyle

Hybrid

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave.  Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. 

We expect our associates at all levels to:
•  Grow professionally and inspire others to do the same
•  Work with and through others to achieve desired outcomes
•  Make prompt, pragmatic choices and act with the client in mind
•  Take ownership and hold themselves and others accountable for delivering results that matter
•  Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates.  When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs. 

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