Senior AML Investigator, High-Risk Team (Hybrid)

BMO U.S.; Toronto; Hybrid; CAD 45,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group is seeking a Senior Investigator for the High Risk Team in Canada. The role conducts comprehensive reviews of higher-risk customers to identify financial crime risks, applying sound judgment and AML knowledge across customer information and transactional activity.

Responsibilities include leading investigations, documenting findings, and collaborating with internal partners to strengthen controls. Hybrid position with focus on risk assessment and continuous improvement.

Qualifications

• Typically 3–5 years of AML investigation and due diligence experience.
• Strong analytical and investigative skills.
• Ability to assess complex information and make risk-based recommendations; strong written and verbal communication; excellent attention to detail.

Responsibilities

• Conduct thorough AML investigations and enhanced due diligence reviews involving higher-risk customers and complex relationships.
• Analyze customer profiles, ownership structures, expected activity, transactional patterns, and supporting documentation to identify potential AML risks or concerns.
• Assess information from internal and external sources and clearly document investigative findings, rationale, and recommendations.
• Identify unusual or potentially suspicious activity and elevate concerns in accordance with applicable AML policies and procedures.
• Complete assigned investigations accurately and within established service-level expectations.
• Prepare clear, concise, and well-supported case documentation that demonstrates sound investigative reasoning and supports the recommended outcome.
• Collaborate with internal partners and stakeholders to obtain information, resolve gaps, and support effective risk-based decision-making.
• Provide guidance and knowledge sharing to investigators and contribute to consistent investigative practices across the team.
• Identify emerging trends, recurring issues, and opportunities to strengthen investigative processes and controls.
• Maintain a strong understanding of evolving AML requirements, financial crime typologies, and internal policies and procedures.
• Support a culture of accountability, quality, collaboration, and continuous improvement.

Skills

AML investigations

Enhanced due diligence

Analytical skills

Written & verbal comms

Prioritization & multitasking

Education

Post-secondary degree in related field

Job description

BMO Financial Group is seeking a Senior Investigator for the High Risk Team in Canada. The role conducts comprehensive reviews of higher-risk customers to identify financial crime risks, applying sound judgment and AML knowledge across customer information and transactional activity.

Responsibilities include leading investigations, documenting findings, and collaborating with internal partners to strengthen controls. Hybrid position with focus on risk assessment and continuous improvement.