AML Associate

BBVA; Zürich; Vor Ort; CHF 90.000 - 130.000; Vollzeit

Zusammenfassung

BBVA in Zürich, Switzerland is seeking an experienced AML/Financial Crime specialist to join the second line of defense. You will oversee transaction monitoring for traditional and crypto assets, perform risk-based reviews, and draft SARs while ensuring regulatory compliance across private banking clients.

We value strong analytical skills, KYC expertise, and familiarity with Swiss AML regulations and FATF standards.

Qualifikationen

• 3–5 years of hands-on AML or financial crime experience in banking.
• Strong exposure to private banking and cross-border transactions.
• Familiarity with crypto asset transaction monitoring is a strong advantage.

Aufgaben

• Serve as a core member of the second line of defense, with primary focus on day-to-day execution of transaction monitoring controls across traditional and crypto assets.
• Execute systematic, risk-based reviews of transaction monitoring alerts, ensuring timely and well-reasoned dispositions.
• Analyze transactional patterns to detect anomalies, layering structures, and behaviors indicative of money laundering or financial crime.
• Conduct in-depth KYC reviews, challenging first-line assessments and ensuring regulatory compliance across client files.
• Lead investigations into unusual account activity, building complete and well-documented case files that clearly support conclusions and escalation decisions.
• Draft and submit Suspicious Activity Reports (SARs) with accuracy, completeness, and timeliness, in line with regulatory requirements and internal procedures.
• Contribute to the continuous calibration and improvement of transaction monitoring detection rules and alert logic.
• Liaise with legal, risk, and front-office teams to gather supporting information and validate case assessments.
• Monitor emerging financial crime typologies, regulatory developments, and cross-border transaction risks, particularly in the private banking context.

Kenntnisse

AML

Financial crime

Transaction monitoring

KYC

SAR drafting

Cross-border

Crypto assets

Swiss regulations

Analytical skills

MS Excel

Ausbildung

Bachelor's degree (Law/Business/Finance)

AML certifications (CAMS/ICA)

Tools

MS Office

Excel

Jobbeschreibung

Excited to grow your career?

BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.

Excited to grow your career?

BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.

About the job:

Functions (duties and responsibilities):

• Serve as a core member of the second line of defense, with primary focus on the day-to-day execution of transaction monitoring controls across traditional and crypto assets.
• Execute systematic, risk-based reviews of transaction monitoring alerts, ensuring timely and well-reasoned dispositions.
• Analyze transactional patterns to detect anomalies, layering structures, and behaviors indicative of money laundering or financial crime.
• Conduct in-depth KYC reviews, challenging first-line assessments and ensuring regulatory compliance across client files.
• Lead investigations into unusual account activity, building complete and well-documented case files that clearly support conclusions and escalation decisions.
• Draft and submit Suspicious Activity Reports (SARs) with accuracy, completeness, and timeliness, in line with regulatory requirements and internal procedures.
• Contribute to the continuous calibration and improvement of transaction monitoring detection rules and alert logic.
• Liaise with legal, risk, and front-office teams to gather supporting information and validate case assessments.
• Monitor emerging financial crime typologies, regulatory developments, and cross-border transaction risks, particularly in the private banking context.

Your profile

• Minimum 3–5 years of hands-on AML or financial crime experience in banking, with a strong track record in transaction monitoring, alert review, SAR drafting, and controls execution.
• Solid exposure to private banking and cross-border transactions, with a practical understanding of jurisdictional AML risks.
• Familiarity with crypto asset transaction monitoring is a strong advantage.
• Thorough knowledge of Swiss AML regulations and international standards (FATF, EU AML Directives).
• Strong analytical skills with the ability to interpret complex, high-volume transactional data and identify meaningful patterns.
• Excellent written communication skills for producing clear, precise investigation reports and regulatory filings.
• Clear, defensible decision-making under pressure and within tight deadlines.
• Detail-oriented, accountable, and discreet in handling sensitive and confidential information.
• Collaborative and proactive team player, comfortable working independently in a small, dynamic team.
• Proficiency in MS Office, particularly Excel.
• Fluent in Spanish, with working knowledge of English or German.
• Bachelor's degree in Law, Business Administration, Finance, or a related field; AML certifications (CAMS, ICA) are a plus.

Skills

Análisis analítico, Banca, Colaboración, Cumplimiento normativo, Idioma español, Idioma inglés, Orientación al detalle, Políticas antiblanqueo de capitales (AML)