Associate - AML/CTF Advisory - Institutional Banking

Australia and New Zealand Banking Group Limited; Bengaluru; Hybrid; INR 1,400,000 - 2,600,000; Full time

Benefits offered by this job

Hybrid work

Health & wellbeing services

Job summary

ANZ, Bengaluru, seeks an Associate to support AML/CTF Advisory within Institutional Banking. You will help interpret AML/CTF obligations, perform risk-based reviews, and prepare governance materials for senior stakeholders.

The role partners across business, Compliance and Financial Crime teams to strengthen risk management in a highly regulated environment. Ideal candidates bring 4–7 years in AML/CTF or Financial Crime, strong analytical skills, and experience translating regulatory

Qualifications

• 4–7 years of experience in AML/CTF Compliance or Financial Crime risk disciplines within Banking or Financial Services.
• Sound understanding of AML/CTF, Financial Crime, and regulatory obligations.
• Experience supporting Compliance Advisory, Financial Crime Advisory, Risk Management, or Regulatory Compliance functions.

Responsibilities

• Support AML/CTF Advisory team in delivering risk-based advice on Financial Crime regulatory obligations, policies, and standards.
• Interpret AML/CTF regulations and policy changes to identify business impacts.
• Prepare risk insights, management reporting, and governance materials for senior stakeholders.
• Analyze AML/CTF risk profiles, emerging risks, issues and trends across products and customers.
• Assist with risk assessments, risk reviews, and control evaluations to support compliance.
• Contribute to advisory guidance relating to AML/CTF obligations and compliance requirements.
• Analyze regulatory findings and control weaknesses to identify remediation themes.
• Collaborate with business, Compliance and Financial Crime stakeholders to implement regulatory requirements.
• Support enhancements to Financial Crime risk management practices, reporting, governance and controls.

Skills

AML/CTF Compliance

Financial Crime Risk Management

Regulatory Compliance

Non-Financial Risk (NFR)

Stakeholder Management

Analytical Thinking

Regulatory Reporting

Risk Assessments

Job description

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Associate - AML/CTF Advisory - Institutional Banking

Department: Insto - Non-Financial Risk - Fin Crime & Fraud Ris

Division: Institutional

About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers.

About the Role

The role supports the AML/CTF Advisory function in providing risk-based advice, oversight, and challenge across the Institutional business. Working closely with business stakeholders, Compliance, and Financial Crime specialists, you will assist in the interpretation and application of AML/CTF obligations, regulatory requirements, and risk management frameworks.

You will contribute to risk assessments, management reporting, governance activities, regulatory impact analysis, and the identification of emerging Financial Crime risks. The role provides an opportunity to develop expertise in AML/CTF advisory, regulatory compliance, and Financial Crime risk management within a complex Institutional Banking environment.

Reporting to the Associate Director, AML/CTF Advisory, the Associate – AML/CTF Advisory role sits within the Financial Crime & Compliance Centre of Excellence (FC&C CoE), part of the broader Institutional Non-Financial Risk (NFR) Centre of Excellence.

What will your day look like?

As an Associate – AML/CTF Advisory, you will:

• Support the AML/CTF Advisory team in delivering risk-based advice on Financial Crime regulatory obligations, policies, and standards across the Institutional business.
• Assist in the review and interpretation of AML/CTF regulations, regulatory updates, and policy changes to identify potential business impacts.
• Prepare Financial Crime risk insights, management reporting, and governance materials for senior stakeholders and risk forums.
• Support the analysis of AML/CTF risk profiles, emerging risks, issues, and trends across products, customers, and business activities.
• Contribute to AML/CTF risk assessments, risk reviews, and control evaluations to support effective risk management and regulatory compliance.
• Assist with the preparation of risk opinions and advisory guidance relating to AML/CTF obligations and compliance requirements.
• Analyse risk events, regulatory findings, and control weaknesses to identify themes and support remediation activities.
• Partner with business, Compliance, and Financial Crime stakeholders to support the implementation of regulatory and policy requirements.
• Support ongoing enhancements to Financial Crime risk management practices, reporting, governance, and controls.
• Contribute to a collaborative, high-performing, and customer-focused Centre of Excellence environment

What will you bring?

To grow and be successful in this role, you will ideally bring:

• 4–7 years of experience in AML/CTF Compliance, Financial Crime Risk Management, Compliance Advisory, Regulatory Compliance, Non-Financial Risk (NFR), or related risk disciplines within Banking or Financial Services.
• Sound understanding of AML, CTF, Financial Crime, and regulatory compliance obligations.
• Experience supporting Compliance Advisory, Financial Crime Advisory, Risk Management, or Regulatory Compliance functions.
• Ability to interpret regulatory requirements and support the translation of obligations into practical business outcomes.
• Experience preparing risk insights, AML/CTF reporting, management information, governance materials, and regulatory impact assessments.
• Strong analytical skills with the ability to interpret data, identify trends, and communicate meaningful risk insights.
• Experience supporting risk assessments, compliance reviews, issue management, or control evaluations.
• Strong communication and stakeholder management capabilities with the ability to work across business, Compliance, and risk teams.
• A proactive mindset with strong attention to detail, planning, and organizational skills.
• Understanding of Non-Financial Risk frameworks and risk management principles.
• Experience within Institutional Banking or Commercial Banking environments.
• Exposure to AML/CTF Advisory, Financial Crime Compliance, KYC, Enhanced Due Diligence (EDD), Transaction Monitoring, Sanctions, or Customer Risk Assessment activities.
• Familiarity with regulatory expectations and Financial Crime obligations within a highly regulated financial services environment.\
• Knowledge of ANZ's Non-Financial Risk Framework and NFR Hub.
• Exposure to advisory or oversight roles supporting AML/CTF compliance programs.
• Experience working with risk reporting, governance forums, and Financial Crime risk management frameworks.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong.

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.