Ameris Bank
Financial Crimes Enhanced Due Diligence Analyst
Ameris Bank, Atlanta, Georgia, United States, 30383
Overview
Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app.
Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you'll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer's needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.
The Financial Crimes Enhanced Due Diligence Analyst is responsible for playing a key role within the Financial Crimes unit performing initial and/or periodic enhanced due diligence reviews of the bank's customers that are at elevated risk for money laundering and/or terrorist financing. Performs other projects and duties as assigned.
Responsibilities
Analyze high-risk customer transaction activity to ascertain legitimacy of the business and the business transactions ensuring that the transaction activity is commensurate with the nature of the business entity.
Search for negative news on the company and beneficial owners.
Determine whether actual activity is commensurate with expected activity, line of business, number of locations and that the business does not violate U.S. laws or regulations.
Review all current due diligence information and perform analysis of such information to ensure all appropriate due diligence for the level of risk is obtained and documented.
Conduct reviews of customers of all levels of risk.
Request and review appropriate supporting EDD information and/or documentation.
Maintain EDD periodic reviews in an organized fashion to ensure overall team success.
Recognize patterns, trends and inconsistencies within transactional and customer data to detect, prevent, mitigate and report potentially suspicious activity.
Understand complex issues and customer risks associated with money laundering, terrorist financing, financial crimes or other legal and reputational risks.
Prepare observations from review and analysis through compiling of review notes, documentation and resolution
Interact with various business units, customer service areas, and management in conducting review
Qualifications Required Knowledge, Skills and Competencies:
Computer literacy and proficiency in Microsoft Office suite
Strong working knowledge of a bank operating environment and applicable systems preferred
Strong working knowledge of AML/BSA/OFAC laws and regulations relative to money laundering and terrorist financing and the ability to apply this knowledge in assessing transaction activity and customer profiles
Familiarity with higher risk businesses such as Money Service Businesses, Third Party Payment Processors, and foreign companies
Effective Internet and research skills and usage of third-party tools
Sound oral and written communication skills
Sound critical thinking ability
Sound analytical, problem solving, and organizational skills derived from previous experience in a Financial Intelligence Unit or similar investigative setting
Detail oriented
Ability to be a self-starter
Ability to build relationships
Industry and Work Experience:
2 - 5 years of financial industry experience to include regulatory compliance and consumer banking laws and regulations
1-3 years of direct AML/BSA Compliance and KYC
Experience reviewing comprehensive documents inclusive of complex ownership structures and higher risk customers
Academic:
High school diploma or GED required
Bachelor's degree in Economics, Accounting, Finance, Criminal Justice or related field required
CAMS certification preferred
Benefits Benefits Available to Employees:
Medical, Dental and Vision Insurance
Ameris Bank absorbs a major portion of the cost of healthcare. You become eligible for coverage on the first of the month following 30 days of employment
Life Insurance provided at no additional cost to employees
Accidental Death & Dismemberment Coverage
Long-Term Disability Coverage
Paid Sick and Vacation Leave
11 Holidays
Volunteer/Service Day
Employee Stock Purchase Plan
401(k) Retirement Plan
Ameris Bank matches 50% of your first 8% of contributions to the plan
Flexible Spending Accounts
Health Savings Account
Health Reimbursement Arrangement
Supplemental Life & Other Insurance Plans
Identity Theft Protection
Pet Insurance
Legal Insurance
Employee Assistance Program
Employee Advocacy Program
Tickets at Work (Entertainment discounts for Ameris Bank Employees)
AT&T Employee Discount
Wellness Discounts for Medical Premiums and Other Rewards
Employee Referral Incentive
Education Assistance
Employee Resource Groups
Banking Advantages for Employees:
In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.
Free Interest Checking
Free Safe Deposit Box
Free Money Orders, Travelers\'s Checks and Cashier Checks
Discount on Mortgage Origination Fee
Free Online Banking and Free Unlimited Online Bill Payment
Employee Banking Perks
Disclaimer:
The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.
All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
#J-18808-Ljbffr
Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you'll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer's needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.
The Financial Crimes Enhanced Due Diligence Analyst is responsible for playing a key role within the Financial Crimes unit performing initial and/or periodic enhanced due diligence reviews of the bank's customers that are at elevated risk for money laundering and/or terrorist financing. Performs other projects and duties as assigned.
Responsibilities
Analyze high-risk customer transaction activity to ascertain legitimacy of the business and the business transactions ensuring that the transaction activity is commensurate with the nature of the business entity.
Search for negative news on the company and beneficial owners.
Determine whether actual activity is commensurate with expected activity, line of business, number of locations and that the business does not violate U.S. laws or regulations.
Review all current due diligence information and perform analysis of such information to ensure all appropriate due diligence for the level of risk is obtained and documented.
Conduct reviews of customers of all levels of risk.
Request and review appropriate supporting EDD information and/or documentation.
Maintain EDD periodic reviews in an organized fashion to ensure overall team success.
Recognize patterns, trends and inconsistencies within transactional and customer data to detect, prevent, mitigate and report potentially suspicious activity.
Understand complex issues and customer risks associated with money laundering, terrorist financing, financial crimes or other legal and reputational risks.
Prepare observations from review and analysis through compiling of review notes, documentation and resolution
Interact with various business units, customer service areas, and management in conducting review
Qualifications Required Knowledge, Skills and Competencies:
Computer literacy and proficiency in Microsoft Office suite
Strong working knowledge of a bank operating environment and applicable systems preferred
Strong working knowledge of AML/BSA/OFAC laws and regulations relative to money laundering and terrorist financing and the ability to apply this knowledge in assessing transaction activity and customer profiles
Familiarity with higher risk businesses such as Money Service Businesses, Third Party Payment Processors, and foreign companies
Effective Internet and research skills and usage of third-party tools
Sound oral and written communication skills
Sound critical thinking ability
Sound analytical, problem solving, and organizational skills derived from previous experience in a Financial Intelligence Unit or similar investigative setting
Detail oriented
Ability to be a self-starter
Ability to build relationships
Industry and Work Experience:
2 - 5 years of financial industry experience to include regulatory compliance and consumer banking laws and regulations
1-3 years of direct AML/BSA Compliance and KYC
Experience reviewing comprehensive documents inclusive of complex ownership structures and higher risk customers
Academic:
High school diploma or GED required
Bachelor's degree in Economics, Accounting, Finance, Criminal Justice or related field required
CAMS certification preferred
Benefits Benefits Available to Employees:
Medical, Dental and Vision Insurance
Ameris Bank absorbs a major portion of the cost of healthcare. You become eligible for coverage on the first of the month following 30 days of employment
Life Insurance provided at no additional cost to employees
Accidental Death & Dismemberment Coverage
Long-Term Disability Coverage
Paid Sick and Vacation Leave
11 Holidays
Volunteer/Service Day
Employee Stock Purchase Plan
401(k) Retirement Plan
Ameris Bank matches 50% of your first 8% of contributions to the plan
Flexible Spending Accounts
Health Savings Account
Health Reimbursement Arrangement
Supplemental Life & Other Insurance Plans
Identity Theft Protection
Pet Insurance
Legal Insurance
Employee Assistance Program
Employee Advocacy Program
Tickets at Work (Entertainment discounts for Ameris Bank Employees)
AT&T Employee Discount
Wellness Discounts for Medical Premiums and Other Rewards
Employee Referral Incentive
Education Assistance
Employee Resource Groups
Banking Advantages for Employees:
In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.
Free Interest Checking
Free Safe Deposit Box
Free Money Orders, Travelers\'s Checks and Cashier Checks
Discount on Mortgage Origination Fee
Free Online Banking and Free Unlimited Online Bill Payment
Employee Banking Perks
Disclaimer:
The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.
All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
#J-18808-Ljbffr