Manager, FIU Investigator

Scotiabank - Global Banking and Markets; Dallas (TX); On-site; USD 90,000 - 120,000; Full time

Job summary

Scotiabank’s Global AML FIU team seeks a Manager, FIU Investigator to lead end-to-end financial crime investigations across multiple lines of business in the US. You will review complex data, assess risk, and prepare SARs and documentation for regulatory reporting.

The role requires strong regulatory knowledge, investigative judgment, and the ability to collaborate with AML management, front-line units, and law enforcement while guiding junior staff and maintaining SLA commitments.

Qualifications

• 3+ years in AML investigations, financial crime investigations, or related fields.
• Experience with BSA/AML, USA PATRIOT Act, OFAC, sanctions and SARs.
• Ability to review complex data sources and document evidence‑based conclusions.

Responsibilities

• Lead end-to-end FIU investigations across multiple lines of business.
• Review alerts, KYC, and transaction data to assess risk and inform decisions.
• Prepare auditable SARs and investigative documentation.

Skills

AML investigations

Financial crime analytics

Regulatory knowledge

Communication

Case management

Education

Bachelor's degree

Tools

Excel

Power BI

SQL

Python

Job description

Global Banking and Markets

Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank’s strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world.

Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group.

Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future!

Purpose

The Manager, Financial Intelligence Unit (FIU) Investigator, Global AML - US leads and performs end-to-end financial crime investigations across one or more lines of business, including transaction monitoring alerts, complex case investigations, suspicious activity assessment, sanctions-related referrals, fraud-related activity, and other financial crime matters. The role supports the effectiveness of the Bank's Global AML Program by conducting timely, well-documented, and risk-based investigations; preparing Suspicious Activity Reports (SARs) and related investigative documentation; and identifying potential operational, compliance, customer, and enterprise financial crime risks.

The Manager, FIU Investigator applies investigative judgment, regulatory knowledge, and analytical discipline to assess client activity, document conclusions, recommend appropriate follow-up, and partner with AML management, business lines, risk partners, and other stakeholders to resolve investigations. The role also contributes to investigative consistency, SLA performance, quality outcomes, training, escalation practices, and continuous improvement across the FIU operating model.

What You'll Do

• Conduct routine to complex end-to-end FIU investigations involving potential money laundering, terrorist financing, sanctions-related activity, fraud-related activity, and other financial crime risks.
• Review transaction monitoring alerts, case referrals, client information, KYC records, account activity, transactional patterns, internal systems, public records, and external research sources to assess whether activity is consistent with the customer's expected profile and stated business
• Manage a significant case inventory while prioritizing work based on risk, regulatory expectations, business impact, and management direction, and while supporting adherence to departmental Service Level Agreements (SLAs).
• Prepare clear, concise, and auditable investigative documentation, including case narratives, disposition rationale, supporting analysis, escalation summaries, and investigative conclusions.
• Identify and elevate potentially suspicious activity, material financial crime risk indicators, control concerns, operational issues, customer risk concerns, and matters that may require enhanced review or management attention.
• Complete SAR recommendations and SAR-related documentation in a timely, accurate, and well-supported manner for regulatory reporting and/or law enforcement purposes, as applicable.
• Communicate investigation facts, risk observations, and recommended next steps to FIU management, AML Advisory, sanctions, EDD, front line units, business partners, law enforcement, and other internal stakeholders as needed to resolve investigations.
• Recommend appropriate follow-up actions, including enhanced monitoring, customer outreach, risk-rating review, relationship restrictions, account closure consideration, or other risk‑mitigation measures where activity exceeds the Bank's risk tolerance.
• Support investigative support functions such as quality control, peer coaching, training, communications, guidance, lessons learned, monitoring scenario feedback, typology development, and law enforcement liaison responsibilities as needed.
• Contribute to management reporting, trend identification, issue escalation, audit support, regulatory examination responses, and other governance activities related to FIU investigations and financial crime risk management.
• Maintain awareness of applicable BSA/AML, USA PATRIOT Act, OFAC, sanctions, fraud, terrorist financing, and financial crime regulatory requirements, as well as emerging typologies and industry best practices.
• Act in accordance with Scotiabank's Values, Code of Conduct, and Global Sales Principles, ensuring adherence to operational, compliance, AML/ATF, sanctions, and conduct risk requirements.

What You'll Bring

• 3+ years of relevant experience in AML investigations, financial crime investigations, sanctions, fraud, compliance, risk management, law enforcement, or a related financial services or government function.
• Strong working knowledge of BSA/AML, USA PATRIOT Act, OFAC, sanctions, terrorist financing, fraud, suspicious activity reporting, and financial crime risk management principles.
• Demonstrated experience conducting investigations, reviewing customer and transaction information, identifying red flags and typologies, and documenting evidence‑based conclusions.
• Strong analytical, investigative, and critical thinking skills, with the ability to assess complex activity, identify relevant facts, and apply sound judgment in a regulated environment.
• Strong written and verbal communication skills, including the ability to prepare clear investigative narratives and communicate risk observations to management and stakeholders.
• Ability to manage multiple priorities, maintain attention to detail, meet deadlines, and support SLA and quality expectations in a high‑volume environment.
• Working knowledge of transaction monitoring systems, case management tools, KYC systems, public‑record research tools, and related financial crime technologies preferred.
• Experience with Excel, data analysis, visualization tools, SQL, Power BI, Python, or other analytics tools preferred.
• Professional certifications such as CAMS, CFE, CGSS, or equivalent financial crime, compliance, fraud, or investigative certifications are a plus.

At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That’s why we work to grow and diversify talent and engage employees in a performance‑oriented culture.

What's in it for you

Scotiabank wants you to be able to bring your best self to work – and life, every day. With a focus on holistic well‑being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs.

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