AML Account Analyst

Position Overview

We are seeking a highly analytical and detail-oriented Staff AML Analyst to join our financial crimes compliance team. In this role, the analyst will be responsible for conducting Level 1 alert reviews, identifying unusual or potentially suspicious activity, and supporting the organization’s overall Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) compliance efforts. This position plays a critical role in protecting the organization from financial crime risk by ensuring alerts are reviewed promptly, investigations are documented thoroughly, and potential concerns are escalated appropriately.

Key Responsibilities

Perform Level 1 reviews of AML and transaction monitoring alerts to identify potentially suspicious or high-risk activity.

Investigate customer transactions and account activity to determine whether behavior is consistent with expected patterns or warrants further review.

Assess alerts using internal procedures, risk indicators, and regulatory requirements to determine whether escalation is appropriate.

Escalate cases with unusual activity, insufficient explanation, or heightened risk factors to senior investigators or the appropriate compliance team for further review.

Support the identification of matters that may require Suspicious Activity Report (SAR) consideration or filing.

Conduct research across internal systems, transactional data, customer records, and other relevant sources to develop a complete understanding of the activity under review.

Analyze data and trends to identify potential money laundering, fraud, sanctions concerns, or other financial crime typologies.

Prepare clear, accurate, and well-supported case documentation that summarizes investigative steps, findings, and rationale for decisions.

Ensure all reviews and investigations are completed in accordance with established AML/BSA policies, procedures, and regulatory expectations.

Maintain strong attention to detail while managing multiple alerts and deadlines in a production-driven environment.

Partner with compliance, risk, and investigative teams as needed to support broader financial crimes initiatives and case resolution.

Stay current on evolving AML regulations, emerging financial crime risks, and internal policy updates to support effective decision-making.

Required Qualifications

Minimum of 3 years of overall business or functional experience.

At least 1 year of direct experience in AML, risk, compliance, or financial crimes investigations.

Bachelor’s degree or higher required.

Working knowledge of BSA/AML regulations, including alert review, suspicious activity identification, and escalation practices.

Proficiency in Microsoft Excel, including the ability to organize, review, and analyze data efficiently.

Strong analytical and investigative skills with the ability to identify patterns, anomalies, and potential red flags.

Excellent written communication skills, with the ability to document findings in a concise, organized, and defensible manner.

Demonstrated problem-solving ability, sound judgment, and strong critical-thinking skills.

Exceptional attention to detail and ability to work independently with minimal supervision.

Preferred Qualifications

Experience reviewing transaction monitoring alerts in a banking, financial services, or regulated environment.

Familiarity with case management and investigative systems used in AML operations.

Exposure to SAR preparation, quality control processes, or enhanced due diligence reviews.

Understanding of financial crime typologies, including money laundering, fraud, struct