AML Investigator, Complex Investigations

Standard Chartered; Tampa (FL); Hybrid; USD 65,000 - 85,000; Full time

Job summary

Standard Chartered is seeking an AML Investigator to support the US FCC Investigation Unit in detecting and reporting suspicious activity in compliance with the Bank Secrecy Act (BSA) and FinCEN requirements.

The role involves handling investigations from detection through SAR filing, coordinating with management, and ensuring timely, high-quality investigations and regulatory reporting. A bachelor’s degree in a related field is expected, with ACAMS preferred.

Qualifications

• Bachelor-level degree in Finance, Economics, Economic Crime Investigation or related field from an accredited institution.
• Advanced degrees (JD, MBA) are viewed positively.
• 1–3 years AML Compliance or related banking experience or equivalent.

Responsibilities

• Support and deliver against the FCC Investigation strategy and broader financial crime compliance strategy and core mission.
• Review and analyze leads for potential suspicious activity in line with FinCEN requirements.
• Manage the investigative process from initial detection to disposition within required timelines.
• Review reports and investigative leads to identify suspicious activity.
• Formulate responses to suspicious findings and support SAR filings with regulatory authorities.

Skills

AML Compliance

Investigations

ACAMS

Open Source Research

Communication

Education

Bachelor's degree in Finance/Economics/Economic Crime Investigation or related field

Advanced degree (JD/MBA) preferred

Job description

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 escalates 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.

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 defense 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 an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

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 all sorts of 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.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment Assessments

Expected annual base pay range for the role is 65,000 USD to 85,000 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.