AML Specialist

Tompkins Bank & Trust; City of Ithaca (NY); On-site; USD 34,000 - 45,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401(k) Match

Profit Sharing

Paid Time Off

11 Holidays

Tuition Reimbursement

Free Parking throughout Tompkins?ommun

Employee Referrals

Job summary

Tompkins Bank & Trust is seeking an AML Specialist to support AML/CFT, customer identification, and sanctions monitoring programs. You will conduct transaction monitoring reviews, high‑risk due diligence, and suspicious activity investigations, and prepare regulatory filings in partnership with compliance leadership.

Daily duties include reviewing alerts, performing CIP/CDD checks, and maintaining strong stakeholder relationships to ensure timely regulatory reporting and adherence to policies.

Qualifications

• Associate’s degree required; Bachelor’s degree in finance, accounting, business administration, or a related field preferred.
• CAMS and/or CFCS certification preferred.
• 2–4 years of experience in BSA/AML compliance or related financial crime role.
• Strong analytical and communication skills; ability to handle sensitive information.

Responsibilities

• Review transaction monitoring alerts and reports.
• Identify potential suspicious activity and escalation alerts as appropriate.
• Prepare and file SARs and CTRs within regulatory timelines.
• Conduct high‑risk customer due diligence and periodic reviews.
• Review customer activity for CIP, CDD, and Beneficial Ownership compliance.
• Review sanctions and 314(a) matches; support law enforcement requests as needed.
• Collaborate with lines of business to obtain customer information and clarify transactional activity.
• Maintain effective working relationships to support AML monitoring and compliance.
• Support leadership with programmatic activities and share AML knowledge.

Skills

Analytical skills

Written communication

Discretion with confidential info

Education

Associate’s degree

Bachelor’s degree preferred

Tools

Microsoft Office

AML monitoring systems

Job description

Overview

The AML Specialist supports the Company’sAnti‑MoneyLaundering/Countering the Financing of Terrorism(AML/CFT), Customer Identification, and Sanctions Monitoring programs to ensure compliance with federal and state regulatory requirements. This role conducts transaction monitoring reviews,high‑riskcustomer due diligence, and suspicious activity investigations, prepares regulatory filings, and supports the ongoing effectiveness of the AML program through collaboration with business partners and compliance leadership.

Responsibilities

Transaction Monitoring and Investigations

• Review transaction monitoring alerts and reports

• Identify potential suspicious activity and escalation alerts as appropriate

• Prepare and file Suspicious Activity Reports and Currency Transaction Reports within regulatory timelines

High‑Risk Customer and Due Diligence Management

• Conduct high‑risk customer due diligence and periodic reviews

• Review customer account activity for CIP, CDD, and Beneficial Ownership compliance

Sanctions and Regulatory Screening

• Review and disposition potential sanctions and Section 314(a) matches

• Support law enforcement requests and subpoenas as needed

Stakeholder Engagement and Communication

• Collaborate with lines of business to obtain customer information and clarify transactional activity

• Maintain effective working relationships to support AML monitoring and compliance

Program Support and Professional Development

• Support Corporate AML leadership with programmatic activities

• Seek ongoing learning opportunities and share AML knowledge with team members

Communication:Understands others’ perspectives, fosters open discussions, ensures clarity, and provides feedback with empathy.

Problem Solving & Decision Making:Demonstratesstrong problem-solving and decision‑making skills by proactivelyidentifyingroot causes, evaluating risks, and using data‑driven analysis to navigate ambiguity.

Risk Management:Demonstratesstrong risk management byidentifyingpotential issues, developing contingency plans, and ensuring adherence to policies and procedures.

Dynamic Learning Mindset:Champions continuous learning byidentifyingdevelopment opportunities, sharing knowledge, and taking ownership of personal growth and skill development.

Relationship Building:Builds strong, respectful relationships by collaborating across departments, fostering trust, and supporting shared organizational goals.

Qualifications

• Associate’s degreerequired;Bachelor’s degree in finance, accounting, business administration, or a related field preferred

• CAMS and/or CFCS certification preferred

• Two to four years of experience in BSA/AML compliance or a related financial crime role

• Strong analytical skills with the ability to evaluate complex transactional data and draw sound conclusions

• Strong written and verbal communication skills with the ability to document findings clearly and professionally

• Proven ability to handle sensitive and confidential information with discretion

• Proficiency in Microsoft Office and familiarity with AML monitoring systems and related technology

Benefits

• Medical
• Dental
• Vision
• 401(k) Match
• Profit Sharing
• Paid Time Off
• 11 Holidays
• Tuition Reimbursement
• Free Parking throughout Tompkins Community Bank
• Employee Referrals

EEO Statement

Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non‑conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.

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Pay Range

USD $25.00 - USD $33.00 /Hr.