Senior AML ECDD Analyst — High-Risk Client Insight

ghr; Charlotte (NC); On-site; USD 90,000 - 120,000; Full time

Job summary

Bank of America is seeking an experienced GAO ECDD Senior Operations Consultant based in the United States. You will lead enhanced due diligence for high-risk clients, products, and activities, and coordinate across AML, KYC, Compliance, and Client Teams to ensure regulatory alignment.

In this fast-paced role, you will analyze complex client structures, document risk assessments, and support audits and regulatory examinations while maintaining enterprise policies and governance standards.

Qualifications

• Bachelor’s degree or equivalent work experience.
• 3+ years' experience in AML/KYC/compliance or related fields.
• Strong analytical, investigative, and problem-solving skills.
• Ability to analyze complex client relationships and risk factors.
• Experience presenting findings to diverse audiences.
• Proficiency with Microsoft Office tools and AML systems.

Responsibilities

• Conduct Enhanced Client Due Diligence (ECDD) reviews for high-risk clients, client types, products, and activities.
• Perform collection, analysis, and validation of Due Diligence Questionnaires (DDQs) and supporting documentation.
• Review and analyze client data, screening results, ownership structures, transactional activity, and risk indicators to determine adherence to Bank policies and regulatory requirements.
• Evaluate customer and party information to identify, assess, elevate, and mitigate AML, sanctions, reputational, and regulatory risks.
• Partner with Client Teams, KYC, Compliance, Sales, AML Operations, and other stakeholders to obtain required information and facilitate timely case resolution.
• Support ongoing monitoring activities and periodic risk-based reviews of high-risk clients.
• Document review findings, risk assessments, and due diligence decisions in accordance with established procedures and governance requirements.
• Identify process gaps, control weaknesses, and operational risks, and recommend solutions to improve effectiveness and efficiency.
• Support Audit, Compliance Testing, Regulatory Examination, and Quality Assurance activities, including research, issue remediation, and response tracking.
• Maintain adherence to enterprise policies, procedures, laws, rules, regulations, and AML program requirements.
• Participate in process improvement initiatives, remediation efforts, and strategic projects designed to enhance risk management and operational excellence.
• Proactively identify emerging risks and escalate concerns appropriately through established governance channels.
• Provide guidance, knowledge sharing, and subject matter expertise to peers and business partners, as appropriate.

Skills

Analytical thinking

Problem solving

Risk assessment

Communication skills

Cross-functional collaboration

Attention to detail

Education

Bachelor's degree or equivalent

Tools

Excel

PowerPoint

Word

SharePoint

AWARE AML system

Job description

Bank of America is seeking an experienced GAO ECDD Senior Operations Consultant based in the United States. You will lead enhanced due diligence for high-risk clients, products, and activities, and coordinate across AML, KYC, Compliance, and Client Teams to ensure regulatory alignment.

In this fast-paced role, you will analyze complex client structures, document risk assessments, and support audits and regulatory examinations while maintaining enterprise policies and governance standards.