Financial Crimes Enhanced Due Diligence Analyst I (Remote in GA or FL)
 Ameris Bank | |
life insurance, vision insurance, vacation time, 401(k), retirement plan, employee discount
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 United States, Georgia, Atlanta | |
| 3500 Piedmont Road Northeast (Show on map) | |
 Nov 20, 2024 | |
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Description
Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app. Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you'll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer's needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate. Responsible for playing a key role within the Financial Crimes unit performing initial and/or periodic enhanced due diligence reviews of the bank's customers that are at elevated risk for money laundering and/or terrorist financing. Performs other projects and duties as assigned. Essential Functions, Duties, and Responsibilities: * Analyze high-risk customer transaction activity to ascertain legitimacy of the business and the business transactions ensuring that the transaction activity is commensurate with the nature of the business entity. * Search for negative news on the company and beneficial owners. * Determine whether actual activity is commensurate with expected activity, line of business, number of locations and that the business does not violate U.S. laws or regulations. * Review all current due diligence information and perform analysis of such information to ensure all appropriate due diligence for the level of risk is obtained and documented. * Conduct reviews of customers of all levels of risk. * Request and review appropriate supporting EDD information and/or documentation. * Maintain EDD periodic reviews in an organized fashion to ensure overall team success. * Recognize patterns, trends and inconsistencies within transactional and customer data to detect, prevent, mitigate and report potentially suspicious activity. * Understand complex issues and customer risks associated with money laundering, terrorist financing, financial crimes or other legal and reputational risks. * Prepare observations from review and analysis through compiling of review notes, documentation and resolution * Interact with various business units, customer service areas, and management in conducting review Required Knowledge, Skills and Competencies: * Computer literacy and proficiency in Microsoft Office suite * Strong working knowledge of a bank operating environment and applicable systems preferred * Strong working knowledge of AML/BSA/OFAC laws and regulations relative to money laundering and terrorist financing and the ability to apply this knowledge in assessing transaction activity and customer profiles * Familiarity with higher risk businesses such as Money Service Businesses, Third Party Payment Processors, and foreign companies * Effective Internet and research skills and usage of third-party tools * Sound oral and written communication skills * Sound critical thinking ability * Sound analytical, problem solving, and organizational skills derived from previous experience in a Financial Intelligence Unit or similar investigative setting * Detail oriented * Ability to be a self-starter * Ability to build relationships Industry and Work Experience: * 2 - 5 years of financial industry experience to include regulatory compliance and consumer banking laws and regulations * 1-3 years of direct AML/BSA Compliance and KYC * Experience reviewing comprehensive documents inclusive of complex ownership structures and higher risk customers Academic: * High school diploma or GED required * Bachelor's degree in Economics, Accounting, Finance, Criminal Justice or related field preferred * CAMS certification preferred Benefits Available to Employees: Ameris Bank provides a comprehensive employee benefit package to all eligible employees.
Banking Advantages for Employees: In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.
Disclaimer: The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position. All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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