Cbr Analyst

Tata Consultancy Services; Waldwick (NJ); On-site; USD 55,000 - 71,000; Full time

Benefits offered by this job

Discretionary Annual Incentive

Medical Coverage: Health, Dental & Vis

Parental Leaves

Auto & Home Insurance Options

Certification & Training Reimbursement

Vacation, Leave & Holidays

Job summary

Tata Consultancy Services Limited seeks an experienced CBR Analyst with AML/KYC, EDD, and transaction monitoring expertise. The ideal candidate will review complex client profiles and financial transactions to ensure regulatory and policy compliance, writing detailed narratives and supporting risk assessments.

The role emphasizes strong analytical and investigative skills, stakeholder coordination, and quality control to uphold SLA and regulatory standards.

Qualifications

• Minimum 5 years of AML/BSA investigative experience in Banking/FS.
• Hands-on experience with EDD, Transaction Monitoring, KYC/CDD, OFAC and sanctions screening.
• Strong narrative-writing and case documentation skills.
• Ability to work independently and make risk-based decisions.
• Excellent analytical, communication, problem-solving and presentation skills.
• Strong attention to detail with the ability to manage multiple priorities.

Responsibilities

• Conduct medium- and high-risk client reviews for CBRs.
• Evaluate data sources to identify financial crime risks.
• Perform EDD investigations and document findings in narratives.
• Assess KYC concerns and escalate to senior management.
• Review sanctions, watchlists, and PEP alerts.
• Monitor and investigate unusual transaction patterns.
• Maintain documentation of investigative findings and risk assessments.
• Prepare management reports and dashboards.

Skills

AML/KYC investigative

Narrative writing

Risk assessment

Independent worker

Tools

AML/KYC screening platforms

Regulatory databases

OFAC & sanctions checks

Job description

We are seeking an experienced CBR Analyst with strong expertise in AML, KYC, Enhanced Due Diligence (EDD), Transaction Monitoring, and Sanctions Screening. The ideal candidate will possess strong analytical and investigative skills, demonstrate sound judgment, and have the ability to independently review complex client profiles and financial transactions while ensuring compliance with regulatory requirements and internal policies.

This role requires exceptional narrative-writing capabilities, risk assessment expertise, and experience working with AML/KYC screening platforms and regulatory databases.

Key Responsibilities

AML/KYC Operations & Risk Reviews

Conduct comprehensive reviews of medium-risk and high-risk client profiles as part of periodic Client Business Reviews (CBR).

Evaluate internal and external data sources, databases, and operational information to identify potential financial crime risks.

Perform Enhanced Due Diligence (EDD) investigations and document findings in detailed, high-quality review narratives.

Analyze and elevate complex KYC concerns to senior management to support timely completion of customer due diligence requirements.

Conduct reputational risk assessments through negative news screening, sanctions checks, and adverse media reviews.

Review, evaluate, and process sanctions, watchlist, and Politically Exposed Person (PEP) alerts, escalating concerns when necessary.

Transaction Monitoring & Investigations

Perform transaction monitoring reviews and investigate unusual or suspicious transaction patterns.

Analyze customer behavior and transaction activity to identify potential money laundering, terrorist financing, or sanctions-related risks.

Maintain thorough documentation of investigative findings and risk assessments.

Quality Control & Governance

Perform quality control reviews of analyst work products to ensure accuracy, completeness, and regulatory compliance.

Review EDD narratives prepared by analysts and provide feedback on analytical quality, coverage, and risk assessment rationale.

Ensure adherence to established productivity, quality, SLA, KPI, and KRI targets.

Identify operational issues, perform root cause analysis, and recommend tactical and strategic solutions.

Stakeholder Management & Reporting

Respond to client inquiries and manage escalations in a timely and professional manner.

Prepare management reports and MIS dashboards to support operational oversight and decision-making.

Collaborate with internal teams, compliance functions, technology groups, and client stakeholders to drive operational excellence and continuous improvement.

Take ownership of assigned issues and drive them through resolution in a dynamic and evolving environment.

Required Qualifications

Minimum 5 years of AML/BSA investigative experience within the Banking and Financial Services industry.

Hands-on experience with:

Enhanced Due Diligence (EDD)

Transaction Monitoring

KYC/CDD Reviews

OFAC and Sanctions Screening

Adverse Media and Reputational Risk Reviews

Strong narrative-writing and case documentation skills.

Demonstrated ability to work independently and make risk-based decision s.

Excellent analytical, communication, problem-solving, and presentation skills.

Strong attention to detail with the ability to manage multiple priorities in a fast-paced environment.

Experience reviewing complex customer structures, ownership hierarchies, and high-risk customer profiles.

TCS Employee Benefits Summary:

• * Discretionary Annual Incentive.
• * Comprehensive Medical Coverage: Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans.
• * Family Support: Maternal & Parental Leaves.
• * Insurance Options: Auto & Home Insurance, Identity Theft Protection.
• * Convenience & Professional Growth: Commuter Benefits & Certification & Training Reimbursement.
• * Time Off: Vacation, Time Off, Sick Leave & Holidays.
• * Legal & Financial Assistance: Legal Assistance, 401K Plan, Performance Bonus, College Fund, Student Loan Refinancing.

Salary Range: $55,000 - $71,000 per year