AML Investigator, Complex Investigations

Standard Chartered; Newark (NJ); Hybride; USD 85 000 - 105 000; Plein temps

Avantages offerts par ce poste

Flexible working options

Competitive salary

Retirement benefits

Résumé du poste

Standard Chartered invites applications for an AML Investigator to support the FCC Americas division. The role focuses on conducting investigations, reporting suspicious activity to FinCEN, and ensuring SAR filings are timely and accurate under the BSA, PATRIOT Act, and related regulations.

The position involves coordinating 314 Section responses, reviewing leads, and delivering risk-mitigating actions in a global bank with enterprise-wide governance expectations.

Qualifications

• Bachelor degree in Finance, Economics, Economic Crime Investigation, or related field of study.
• Advanced degrees (JD, MBA, etc.) will be viewed positively
• ACAMS certification strongly preferred but not required.

Responsabilités

• Support and deliver against FCC Investigation strategy and broader financial crime compliance strategy.
• Review and analyze leads for potential suspicious activity and identify/report suspicious activity per FinCEN requirements.
• Manage the investigative process from detection to disposition within timelines.
• Formulate and recommend responses to findings and support SAR filing with FinCEN.
• Coordinate responses under Section 314 of the USA PATRIOT Act.
• Conduct AML investigations with respect to complex, sensitive matters.
• Present findings to peers and senior stakeholders at routine meetings.
• Escalate new AML typologies and trends to FCC Management.

Connaissances

Open-source research

Analytical thinking

Regulatory knowledge

Communication

Attention to detail

Cross-functional collaboration

Risk assessment

Investigations

Data gathering

Decision making

SARS filing awareness

Formation

Bachelor degree in Finance/Economics/related field

Advanced degree (JD/MBA) preferred

ACAMS certification preferred

Description du poste

Job Summary

The US Investigations Unit supports the Bank’s Financial Crime Compliance Americas division (“FCC”) in ensuring that the business in the US operates in accordance with all legal and regulatory requirements and all Group standards relating to Anti-Money Laundering (“AML”) and Counter Terrorism Financing (“CTF”).

This AML Investigator role is responsible for conducting investigations that detect and report suspicious activity to governmental authorities in accordance with US regulatory requirements as set out in the Bank Secrecy Act (BSA). This role will support the FCC and Investigation Unit management in the effective delivery of the Bank’s AML program with responsibility to adhere to US regulations that pertain to the US BSA, PATRIOT Act and Suspicious Activity Report (“SAR”) filing requirements with the U.S. Treasury’s Financial Crimes Enforcement Network (“FinCEN”), including the reasons to file a SAR and SAR filing timelines.

Key Responsibilities

• To support and deliver against the Bank’s FCC Investigation strategy and broader financial crime compliance strategy and core mission.

Processes

• Review and analyze leads for potential suspicious activity, including those generated from detection scenario processes, the service of subpoenas and warrants, negative media reports, as well as other sources to include:
• Identifying, researching and reporting suspicious activity in line with FinCEN requirements.
• Managing the investigative process from initial detection to disposition within agreed timelines.
• Thoroughly and timely reviewing reports and other investigative leads that potentially identify suspicious activity.
• Formulating and recommending responses to potentially suspicious findings, reporting such activity to the appropriate regulatory authorities, and supporting FCC in developing the Bank’s forward-looking risk-mitigation response.
• Make recommendations for post investigative risk mitigating actions.
• Support Investigation Group Managers and Team Leads and work with team members in conducting AML investigations, determining whether to close a case or elevate findings, and in ensuring the timely and high-quality filing of SARs.
• Coordinate responses and requests pursuant to Section 314 of the USA PATRIOT Act.
• Conduct AML investigations with respect to matters presenting heightened complexity, sensitivity and risk.
• Present noteworthy and significant investigation findings to peers and senior stakeholders at routine meetings.
• Perform data-entry related to tracking and documenting all investigative steps.
• Timely escalation of new, emerging, or previously unknown, AML typologies, patterns, and trends to FCC Management.

Risk Management

• Ensure a full understanding of the risk and control environment in area of responsibility.
• Escalate serious regulatory breaches, significant risks and issues arising from FCC Investigations activities through appropriate risk management mechanisms and forums (eg DLP, process gaps, etc).
• Ensure that actions are taken quickly to remediate and/or activities are ceased, and all risks are clearly documented.

Governance

• Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role
• Deliver ‘effective governance’; challenge fellow executives effectively; and work with any local regulators in an open and cooperative manner
• Collaborate with Country FCC teams and FCSO Functions to ensure consistent application of standards and engagement on AML issues*

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, elevate, mitigate & resolve risk, conduct & compliance matters.
• Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.

Key stakeholders

• Team Leads, Investigations Unit, FCC Americas
• Senior Manager, FCC Investigations, Americas
• Head, Complex Investigations and Intelligence, FCC Americas
• Head, Automated Investigations and Transaction Monitoring, FCC Americas
• Head, FCC Control Oversight Group, Americas
• Head, FCC, Americas
• Head, Financial Crime Intelligence Unit (FCIU)
• Head FCSO Europe & Americas
• FCC department in region and global

Other Responsibilities

• Embed Here for good and Group’s brand and values in The FCC Investigations Team.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Skills And Experience

• CFCR Risk Type Advisory
• Big Data Management
• Business Acumen
• Business Ethics
• CFCR Policies and Standards
• Confidential Investigations
• Cross-functional Collaboration
• Data Gathering and Reporting
• Effective Communications
• Emerging Technologies
• Internal Controls
• Managing Change
• Organizational Governance
• Planning: Tactical, Strategic
• Regulatory Environment - Financial Services
• Relationship Management
• Risk Management

Qualifications

• Bachelor degree in Finance, Economics, Economic Crime Investigation, or related field of study, from an accredited institution
• Advanced degrees (JD, MBA, etc.) will be viewed positively
• 1-3 years AML Compliance or related banking experience and / or experience involving money laundering or complex financial investigations within the financial industry or in the governmental regulatory, intelligence or law enforcement space (international, federal, state and local levels will be considered); or equivalent
• ACAMS certification strongly preferred but not required.
• Demonstrates an understanding of the key products or services provided by the business / function, and the processes and controls that underpin them.
• Demonstrates an understanding of compliance regulations, knowledge of global procedures and policies, including a core understanding in AML, Sanctions, CDD or Anti Bribery.
• Demonstrates an understanding of the SAR process.
• Proven capability to conduct open source research and leverage Bank internal data sources to assist in building composite analytical products.
• Has the ability to interpret complex information and determine the research and analysis required to extract facts that can be objectively supported. Has a strong investigative mindset where critical thinking is applied, exemplified by a number of attributes; professional scepticism, a meticulous and consistent approach to research and analytics, and the ability to thoroughly articulate a defence for conclusions reached.
• Clear, concise communication style (written and verbal); demonstrates engaged listening skills; able to maintain composure in a stressed situation.
• Self motivated, demonstrates a strong work orientation, works independently, takes accountability for decisions, actions and outcomes.
• Actively collaborates within and across teams
• Agile and receptive to change. Demonstrates a positive attitude and is solutions oriented.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.

Recruitment Assessments

Expected annual base pay range for the role is 85,000 USD to 105,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.