Senior Analyst, AML FCM Client Intelligence Unit

Raymond James & Associates; Saint Petersburg (FL); Hybrid; USD 80,000 - 120,000; Full time

Benefits offered by this job

Medical, dental, vision

Life insurance

Disability insurance

Critical illness insurance

Hybrid work

Job summary

Raymond James & Associates in the United States seeks an Enhanced Due Diligence Senior Analyst to conduct in-depth reviews of high-risk clients, assess money-laundering risks, and ensure regulatory compliance. You will perform complex investigations, document findings, and mentor peers in AML policies while staying current on sanctions and regualtory changes.

The role emphasizes collaboration across teams, thorough risk assessments, and adherence to internal procedures and regulatory guidance,

Qualifications

• Bachelor's degree in a related field and 3–5 years' experience in financial crimes or AML.
• CAMS certification is required or must be obtained within 18 months of hire.
• Experience with enhanced due diligence, sanctions, and KYC concepts.

Responsibilities

• Conduct in-depth research using internal systems, third-party databases and open sources for EDD reviews.
• Document investigative findings in the EDD case management system with accuracy and clarity.
• Perform detailed reviews of EDD reports to support risk-based conclusions.
• Investigate negative media and escalate significant findings to management as needed.
• Analyze client profiles, ownership, source of funds, and transactions using internal and external data.
• Ensure reviews comply with USA PATRIOT Act, BSA/AML and OFAC guidance.
• Mentor colleagues on AML policies and regulations and share knowledge.
• Stay updated on evolving AML rules and best practices.

Skills

EDD requirements

Investigative research

Risk assessment

CIP knowledge

Negative news analysis

Regulatory compliance

Report writing

Education

Bachelor's degree in a related field

Job description

Job Description SummaryThis position is for the Enhanced Due Diligence Team with a primary focus on conducting in-depth reviews of higher-risk customers to identify potential money laundering, terrorist financing, sanctions exposure, and other financial crime risks. The EDD Senior Analyst is responsible for evaluating complex client relationships, transactional activity, and risk indicators to ensure compliance with policies and procedures.

Working with limited supervision, the EDD Senior Analyst applies advanced knowledge of AML regulatory requirements, and due diligence methodologies to deliver high-quality investigative work. The Senior Analyst performs detailed analysis of customer information and determines the significance of identified risk indicators.

Job Description

Essential Duties and Responsibilities

• Conducting in-depth research using internal systems, third-party databases, and open-source searches to support Enhanced Due Diligence reviews on high-risk clients.
• Documenting detailed investigative findings within the EDD case management system, ensuring accuracy, clarity and alignment with review expectations.
• Performing detailed reviews of EDD reports to ensure investigative work and reach conclusions with accuracy.
• Investigate potential negative media alerts to identify whether a true match to a prospective or existing client and escalates, as appropriate, to Management.
• Performing advanced analysis of client profiles, ownership structures, source-of-funds and wealth, and transactional activity using both internal data and external research tools.
• Ensure reviews and investigative activities adhere to internal procedures and regulatory requirements, including those established under the USA PATRIOT Act, BSA AML regulations, and OFAC-related guidance.
• Mentoring colleagues and peers on internal AML policies, rules, and regulations.
• Escalating significant findings, potential rule violations, or risks presenting regulatory or reputational exposure promptly to management.
• Maintaining up-to-date knowledge of evolving AML regulatory requirements, high-risk typologies, sanctions updates, and best practices to ensure ongoing success.
• Performing additional duties, project-based work, or process enhancement initiatives as needed to support the EDD program.

Knowledge of:

• Enhanced Due Diligence processes, including investigative analysis, source-of‑wealth and source-of‑funds verification, transactional review, and risk assessment.
• AML laws, regulations, including the USA PATRIOT Act, Bank Secrecy Act, and Office of Foreign Asset Control guidance, and CIP and EDD specific requirements.
• Client documentation, corporate structures, beneficial ownership, and customer risk indicators.
• Investigative research techniques, negative news methodologies, and narrative development.
• Financial services industry operations, including banking processes, securities products, and financial-crime risk exposure.
• Customer Identification Program, Customer Due Diligence, and Know Your Customer requirements.

Skill In:

• Applying, interpreting, and communicating EDD requirements while recommending enhancements to processes and controls.
• Planning, prioritizing, and managing investigative workload across deadlines in a fast-paced environment,
• Preparing clear written reports and investigative summaries.
• Conducting independent research, assessing complex client information, and resolving issues through cross-functional collaboration.
• Making analytical, risk-based decisions using documented evidence and investigative findings.
• Independently researching and resolving CIP-related issues by gathering information across multiple internal systems.
• Evaluating CIP data to support risk-based decisions relating to an EDD review.
• Providing high quality customer service in a Service 1st environment.
• Establishing and maintaining effective working relationships across the organization.
• Handling highly confidential information with integrity.
• Maintaining working knowledge of AML rules, regulatory changes, and industry best practices.

Education and Experience

Bachelor's Degree from a four-year college or university in a related field and a minimum of 3-5 years' experience in financial crimes, compliance, or within the banking or securities industry with a focus in anti-fraud/Anti-Money laundering activities.~OR ~Any equivalent combination of education, training and/or experience approved by Human Resources.

Licenses/Certifications

CAMS certification is required or must be obtained within 18 months of hire.

Travel

Less than 25%

Workstyle

Hybrid

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions.

This position is eligible for a benefits package that may include

• medical, dental, and vision
• life insurance
• critical illness insurance and accident insurance
• disability ben