AML Investigator

U.S. Bank; Cincinnati (OH); On-site; USD 67,000 - 78,000; Full time

Benefits offered by this job

Healthcare benefits

Dental and vision coverage

401(k) retirement plan

Paid vacation and holidays

Job summary

U.S. Bank seeks an AML Investigator in Cincinnati, OH to conduct enterprise-wide investigations and determine SARs or no SARs. You'll analyze transactions, review customer data, and prepare comprehensive case notes for regulatory reporting.

As part of Enterprise Financial Crimes Compliance AML Investigations, you will collaborate with internal teams, draft SARs, and support risk reduction through detailed investigations and escalation when needed.

Qualifications

• Bachelor's degree or equivalent work experience.
• 2+ years of AML/compliance experience in banking.
• Knowledge of BSA/AML laws and regulations.
• Familiarity with Actimize case management system.

Responsibilities

• Conduct enterprise-wide AML investigations analyzing transactions and data.
• Prepare SARs or no-SAR determinations with case notes.
• Collaborate with internal departments to gather information.
• Draft SAR filings and supporting documentation.
• Recommend relationship closures, escalations, or referrals.
• Ensure case quality and timely production; perform other duties.

Skills

Excel

Analytical thinking

Strong communication

Attention to detail

Problem solving

Adaptability

Education

Bachelor's degree or equivalent

CAMS certification (preferred)

Tools

Actimize

Microsoft Office

Job description

## AML InvestigatorApply: Cincinnati, OH: Full time: Posted Today: End Date: October 13, 2026 (7 days left to apply): 2026-0030776At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.## **Job Description**U.S. Bank is responsible for maintaining an effective anti-money laundering (AML) program for monitoring, detecting, and reporting suspicious activity to appropriate regulatory agencies. As a member of the Enterprise Financial Crimes Compliance AML Investigations division, you will be part of the bank’s second line of defense to prevent individuals and businesses from using U.S. Bank products and services for illegal purposes. As an AML Investigator, you will conduct enterprise-wide investigations identifying unusual activity and preparing Suspicious Activity Reports (SARs) to be filed with Financial Crimes Enforcement Network (FinCEN) as well as writing and preparing cases that result in No SARs. An AML Investigator should have a basic understanding of AML/BSA laws and regulations, the financial services industry, and regulatory trends that impact their assigned line of business. During the investigation, you may identify gaps and help drive solutions that minimize losses resulting from inadequate internal processes, systems, or human errors. You will assist in identifying and/or escalating risks, as appropriate. **Responsibilities***You’ll contribute to the bank’s overall strategy and risk profile by:** Conducting comprehensive case investigations which includes analyzing transaction information, reviewing customer data, researching open source and media checks, and recommending a SAR or no SAR to be filed* Working cooperatively with internal departments to obtain and analyze necessary information related to the investigation* Preparing quality investigative documentation which includes clearly articulating written detailed case notes, and providing attachments of internal and external research* Preparing the SAR form when a case investigation results in a SAR recommendation* Recommending customer relationship closures, case escalations or case referrals as appropriate* Ensuring case production and quality goals are met* Completing other duties as assigned **Basic Qualifications*** Bachelor's degree, or equivalent work experience* Typically 2+ years of applicable experience**Preferred Skills/Experience*** Experience in banking, and/or AML compliance* Effective oral and written communication skills* Strong proficiency in Excel* Strong analytical skills* Strong problem-solving skills* Ability to adapt to a changing environment and handle multiple priorities* Strong attention to detail* Knowledge of Microsoft Office applications, along with general proficiency in adapting to new software applications* Knowledge of Bank Secrecy Act (BSA)/AML laws and regulations* Knowledge of Actimize case management system* Knowledge of retail banking, lending and bank operations processes* Certified Anti-Money Laundering Specialist (CAMS) certification preferred ***\\*This role requires working from a U.S. Bank location three (3) or more days per week.*** **\\*\\*We are hiring in the following locations:*** Cincinnati, OHIf there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.**Benefits:**Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:* Healthcare (medical, dental, vision)* Basic term and optional term life insurance* Short-term and long-term disability* Pregnancy disability and parental leave* 401(k) and employer-funded retirement plan* Paid vacation (from two to five weeks depending on salary grade and tenure)* Up to 11 paid holiday opportunities* Adoption assistance* Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawReview our full benefits available by employment status here.U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.**E-Verify**U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $66,640.00 - $78,400.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.**Posting may be closed earlier due to high volume of applicants.**