Sr. FIU Analyst

MCAP; Vancouver; On-site; CAD 80,000 - 100,000; Full time

Job summary

A financial services firm in Vancouver is seeking a Senior FIU Analyst to ensure regulatory AML/ATF compliance and fraud prevention. The role involves conducting investigations, preparing reports, and contributing to risk management. Candidates should have a minimum of 5 years in residential mortgages with expertise in fraud detection and AML regulations. A university degree is preferred with skills in Microsoft Office and SQL.

Qualifications

• Minimum 5 years in residential mortgages with focus on fraud and money laundering.
• Comprehensive knowledge of AML / ATF regulations.
• Proficient in organizing large datasets and conducting investigations.

Responsibilities

• Conduct investigations on escalated unusual activity related to AML / ATF.
• Prepare Suspicious Transaction Reports (STRs) as required.
• Support compliance audits and high-risk client reviews.

Skills

Fraud detection

Money laundering detection

Analytical skills

Investigative techniques

Client relationship management

Risk management

Problem-solving skills

Communication skills

Education

University Degree or College Diploma

Tools

Microsoft Office

PowerApps

SQL

SharePoint

Job description

The Role

Reporting to the Manager, FIU Intake Operations, this position plays a key role in ensuring regulatory AML / ATF compliance and fraud prevention across MCAP. The incumbent will be involved in all compliance elements of the AML / ATF program, including reviewing unusual transactions, drafting suspicious transaction reports, conducting due diligence reviews, onboarding processes, and monitoring high-risk clients. Following established policies and procedures for AML / ATF and fraud detection, the role conducts advanced analysis and monitoring activities to support MCAP’s regulatory obligations and internal risk management.

• This role serves as the back-up to the Manager, FIU Intake, executing elements of that mandate as needed.
• The Sr. FIU Analyst contributes to the success of FIU Operations by supporting the team’s goals and initiatives.
• Fosters a customer-focused culture to deepen client relationships and leverage MCAP’s broader systems and knowledge.
• Receives training on the Manager, Intake Operations role to support and back up responsibilities.
• Follows procedures for transaction monitoring, conducts investigations on escalated unusual activity related to AML / ATF and fraud, and determines next steps.
• Performs escalated reviews of potential sanctions cases.
• Handles ad hoc investigations assigned by the Manager, Intake Operations.
• Oversees and approves transaction monitoring, compliance audits, and high-risk client reviews.
• Investigates and dispositions high-risk cases, referring urgent cases to the Manager, FIU Investigations.
• Reviews cases involving Single Family, Commercial, or Construction clients, applying research skills and knowledge of MCAP’s products to assess AML and operational risks.
• Maintains customer due diligence reports and manages KYC audit processes.
• Prepares Suspicious Transaction Reports (STRs) as required.
• Conducts PEP reviews for management approval.
• Maintains case records and documentation to ensure compliance and regulatory standards.
• Contributes AML / Fraud content updates to the Policy Manual.
• Supports all MCAP lines of business with insights on escalated files.
• Identifies and recommends continuous improvement opportunities for the program.
• Participates in maintaining policies and procedures related to AML / ATF / Sanctions / Fraud.
• Keeps current with regulatory requirements to advise business partners.
• Participates in AML / ATF / Sanctions / Fraud initiatives.
• May mentor other FIU Analysts and review client exit recommendations.
• Responds promptly to requests from business units and risk functions.
• Applies MCAP’s risk appetite and culture in daily activities.
• Supports a high-performance, inclusive work environment.

What You Bring To The Team

• Minimum 5 years in residential mortgages, focusing on fraud, money laundering, and terrorist financing detection.
• Experience with investigative techniques and financial criminal trends.
• Knowledge of FINTRAC AML / ATF regulations.
• Deep understanding of the mortgage industry and lifecycle.
• Proficiency in risk management, fraud prevention, and judicial processes.
• Strong analytical skills and ability to organize large datasets, with open-source research expertise.
• Comprehensive AML / ATF reporting knowledge.
• Familiarity with Canadian and international regulations.
• Knowledge of MCAP’s policies, procedures, and products across business lines.
• Proficiency in Microsoft Office, PowerApps, SQL, and SharePoint.
• Excellent communication, organizational, and time-management skills.
• Diplomacy, decision-making, and negotiation skills.
• Interpersonal skills for effective organizational interface.
• Critical thinking and problem-solving skills.
• Customer service orientation.
• Understanding of complex corporate structures, sanctions, and PEPs.
• Self-motivated, independent, and team-oriented.
• Integrity and accountability.
• Ability to work in a standard office environment, with flexibility for non-standard hours.
• Capacity to handle a fast-paced, high-demand environment.
• University Degree or College Diploma; ACFI / ACAM’s designations preferred.