דרושים Enterprise Financial Risk Analytics Sr Specialist ב-Bank Of America ב-United States, Charlotte

Job Description:

Job Description:

This job is responsible for providing comprehensive advice and customized solutions to clients to help them achieve their financial goals. Key responsibilities include triaging client leads, making referrals to business partners based on client needs and asset thresholds, meeting with clients to review financial and investment goals, building a financial plan, and recommending brokerage products. Job expectations include applying and expanding knowledge by completing required licenses and trainings. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Responsibilities:

• Works with clients to plan their short and long-term financial goals by building a financial plan with brokerage products, including stocks, bonds, mutual funds, annuities, and banking and money managed solutions

• Recommends banking and investments strategies that align with client financial goals and needs

• Triages client requests and makes referrals to appropriate internal service providers based on client needs and asset thresholds

• Mitigates and controls risk as part of daily activities

• Identifies and engages potential new clients through referrals or financial center clientele

• Provides coaching and feedback to referral partners based on knowledge of client needs and potential product services recommended

• Monday – Fridays and rotating Saturdays

Required Qualifications:

• Currently holds Series 7 & 66 (63 & 65 in lieu of 66) licenses. If you do not currently hold the 66 but have either a 63 or 65, an offer can be extended with the condition that a passing score is received for the missing series within 60 days.

• Has at least one year experience in the investments industry, including investment training and in-depth knowledge of investment products and services.

• Has at least one year experience working in the financial service industry and/or a sales environment where goals were met or exceeded.

• Sets and accomplishes goals, achieving whatever you put your mind to.

• Builds and nurtures strong relationships.

• Collaborates effectively with others to get things done.

• Communicates effectively and confidently and is comfortable engaging all clients.

• Manages goals, navigates complexity, prioritizes tasks and executes in a fast-paced environment.

• Likes to learn, adapts to new information and seeks the right solutions for clients.

• Efficiently manages your time and capacity.

• Is thorough and thoughtful in incorporating relevant regulatory due diligence into daily activities and long-term strategies for clients.

Desired Qualifications:

• Strong computer skills with an ability to multitask in a demanding environment.

• At least three years’ experience working in the financial service industry and/or a sales environment where goals were met or exceeded.

• Achieved additional professional designations such as Certified Financial Planner (CFP) and/or Chartered Retirement Planning Counselor (CRPC).

• Obtained your insurance licenses.

Minimum Education Requirement:

High School Diploma / GED / Secondary School or equivalent

• Advisory

• Account Management

• Client Experience Branding

• Customer and Client Focus

• Oral Communications

• Issue Management

• Client Solutions Advisory

• Pipeline Management

• Active Listening

• Attention to Detail

• Risk Management

• Policies, Procedures, and Guidelines

• Client Management

• Causation Analysis

• Written Communications

Skills:

• Attention to Detail
• Collaboration
• Data Governance
• Data Quality Management
• Risk Management
• Adaptability
• Controls Management
• Negotiation
• Problem Solving
• Result Orientation
• Change Management
• Continuous Improvement
• Data Management
• Presentation Skills
• Stakeholder Management

Line of Business Job Description:

Global Risk Management (GRM) leads bank-wide initiatives for management of all aspects of risk, including strategic, market, credit, compliance, liquidity, operational, model and reputational risk matters to support sustainable, profitable corporate growth.Job Description
This role will collaborate with the GRM Data Stewards, Data Users, Data Owners, and Technology Teams to understand and assess their data, processes, and technology to support strategic data initiatives, remediate deficiencies, and drive business requirements.

• Consult with data stewards, process owners, subject matter experts, technical experts, end users and other stakeholders to gather information about the current and target state business process, data attributes and data sources, control features, interfaces with other systems required.

• Document and provide definitions for processes and procedures, data models, data quality controls, data lineage, and data dictionaries using industry standard methods including business process descriptions, use cases, scenarios, diagrams, flow charts, etc.

• Analyze information gathered from multiple sources, reconcile conflicts, segment high-level information into details, and abstract up from low-level information to a general understanding.

• Assess and identify deficiencies against internal policies and standards or industry best practices, providing formal recommendations and requirements to remediate.

• Collaborate and partner with technology teams, architects, and other key stakeholders to drive solutions which provide ongoing operational excellence and resiliency to metadata and control environment challenges.

• Review and provide input to technical solution designs from a business point of view and recommend alternatives.

• Communicate plans, progress and risks appropriately to the stakeholders and sponsors.

Required Skills:

• Bachelors or Masters in computer science, system analysis, Information Systems or related field.

• 1-3+ years of experience with Data Sourcing, Data Wrangling, Data Engineering or similar role

• Strong process/systems analysis, design and documentation.

• Strong analytical, critical thinking, and problem-solving skills.

• Ability to monitor tight deadlines and adapt to unexpected requirement changes.

• Strong Understanding of Risk Management and Data Management Principles

Desired Skills:

• Familiarity with one of the following areas – Trading, Consumer Banking, Wealth Management, Transaction Banking

• Understanding or experience of programming in SQL, C/C++, Java

• Familiarity with databases, such as Oracle, Hadoop, etc.

Job Description:

As a Financial Solutions Advisor Stage I (FSA I), your journey begins obtaining your Securities Industry licenses, where you receive dedicated and personalized classes for your Securities Industry Essentials [SIE], Series 7 and Series 66 Exams. Once you obtain your licenses, you will be taught the foundational skills needed to be an advisor – from acquiring, building and managing client relationships to considering a client’s complex financial picture and guiding them with advice and solutions to help them live their best financial lives, all while humanizing financial interactions. Once you have reached your key milestones, you will begin working in a financial center where you will help to deliver Bank of America’s core banking, investment solutions and approach to client care. We will equip you with everything you need as you move through the stages of development.

Once you have demonstrated success as a licensed Financial Solutions Advisor Stage I, you will typically progress into the next role, Financial Solutions Advisor Stage II, where you will continue to practice the skills you’ve learned by growing and deepening relationships within a portfolio of clients. As a successful Financial Solutions Advisor Stage II, you will have the opportunity to advance in many roles within Bank of America and Merrill. The Academy will support you along the way with dedicated programs, tools, and resources throughout your career journey.

This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in your immediate termination.

We’ll help you

• Build a successful career at Bank of America through world-class training and on-boarding programs that set you up for success.

• Get training and one-on-one coaching from Academy managers who are invested in your success.

• Grow your business knowledge by using a defined consultative approach with clients to systematically identify client needs and appropriate solutions.

• Earn your Security Industry Essentials (SIE), Series 7 and Series 66 licenses (63 & 65 accepted, in lieu of 66) though structured lessons and dedicated study time. You must obtain your SIE within 30 days of being hired & your Series 7 & 66 within 120 Days - a requirement for the role.

• Build your network. Starting at a financial center, you’ll interact with banking customers, small business owners and higher net worth clients alike. You’ll be able to leverage our relationships with one out of two households in the U.S. to help eventually grow your business.

• Provide end-to-end comprehensive advice, deliver client reviews/presentations with confidence, and recommend strategies to help clients achieve their financial goals and life priorities.

• Collaborate with core banking and investment partners. Connect clients to the solutions we provide through Bank of America and Merrill to meet virtually all their financial needs.

Required Qualifications:

• Aptitude in obtaining required industry licenses.
• Must be self-disciplined in managing time and capacity.
• Experience in cultivating client relationships, accessing needs and recommending solutions.
• Success creating strong peer relationships through effective communication and collaboration.
• Demonstrates a results-driven mindset while prioritizing client’s interest in a complex, fast-paced environment.
• Executes multiple tasks simultaneously.
• Learns and adapts to new technology or applications.

Desired Qualifications:

• Bachelor’s degree and/or a minimum of one year of financial services industry or sales experience

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

Monday – Fridays and rotating Saturdays

Responsibilities:

• Establishes department-wide strategies and oversees portfolio trend analysis, forecasting, and risk/control performance

• Leads innovation by identifying and championing large scale initiatives that improve the risk management, profitability, and control oversight of risks for their business unit(s)

• Identifies business trends based on economic and portfolio conditions and communicates findings to senior management

• Coaches employees on best practices for structuring complex problems, performing analysis, and communicating the results and implications of their work

• Builds and maintains strategic relationships with peers and counterparts across product, technology, and business control functions

• Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance

• Coaches and mentors peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics

• Supports execution of large scale projects, such as platform conversions or new project integrations, by conducting advanced reporting and drawing analytics based insights

• Leverage industry insights, news articles, vendor relationships, and hands-on research to developing an ongoing assessment of global fraud trends, emerging risks from AI, and how these will likely impact clients and the Bank. Create and share across the enterprise a structured framework around these risks using consulting-style frameworks and assessments.

• Monitor Regulatory and Industry Developments: Stay ahead of evolving regulations, threats, and industry research, translating these into actionable strategies.

• Analyzing vendor roadmaps and R&D pipelines to identify how their capabilities can proactively address evolving threats like synthetic identities, account takeover via deepfakes, or supply chain fraud in a post-quantum era.

• Internally, lead knowledge-sharing programs such as executive workshops, fraud strategy forums, and innovation labs to disseminate cutting-edge insights across departments, fostering a culture of continuous learning and proactive risk awareness.

• Lead the selection and evaluation of promising 3rd party solutions:

• Use strategic assessment, industry intelligence, and hands on discussions and evaluations with vendors to develop a clear framework for evaluating existing vendor solutions and their applicability to emerging risks. Drive assessments and consensus on which solutions are worth further exploration and evaluation / pilots. Lead pilot programs for cutting-edge solutions while ensuring alignment with ethical AI practices and privacy standards.

• Conducting comprehensive vendor due diligence and RFP (Request for Proposal) processes, evaluating offerings from leading fraud detection providers against criteria such as scalability, innovation potential, integration feasibility, and cost-effectiveness.

• Lead Vendor Evaluations and Strategic Partnerships: Lead the assessment and selection of external vendors and technology partners to enhance the bank's fraud prevention capabilities, including

• Facilitating proof-of-concept (POC) trials and pilot implementations to test vendor solutions in real-world scenarios, measuring performance against key metrics like false positive rates, detection accuracy, and adaptability to regulatory changes

Required Qualifications:

• 10+ years in fraud strategy, risk management, or related fields within financial services, consulting, or research environments.

• Bachelor's degree in Business, Engineering, Finance, Computer Science, or a related field

Desired Qualifications:

• Master's degree (e.g., MBA) or equivalent professional certifications preferred.

• Proven track record in executive-level strategy roles at a tier 1 consulting firm, or a major Financial Services institution.

• Deep expertise in fraud trends, including cyber threats, insider risks, and emerging technologies.

• Strong analytical skills with proficiency in data modeling, scenario planning, and strategic frameworks.

• Executive Level Influence: Ability to collaborate internally and externally at the executive and expert-levels to develop new insights, socialize impacts, and build advocacy and awareness.

• Ability to navigate ambiguity in a complex environment, balancing strategic vision with tactical execution.

Skills:

• Strategic Thought Leadership

• Business Analytics

• Data and Trend Analysis

• Fraud Management

• Problem Solving

• Artificial intelligence / Machine Learning

• Innovative Thinking

• Statistical Design of Experiments and Solution Testing

• Presentation Skills

• Risk Management

• Oral and Written Communications

Job Description:

Job Description:
This job is responsible for executing substantive money laundering, economic sanctions and fraud compliance and operational risk practices forCrypto Currency, Digital Assets, and Payments within the Global Payment Solutionsbusiness. Key responsibilities include working directly or through the emerging risk, compliance officers for the Front Line Units (FLUs) and Control Functions (CFs) to complete compliance, policy, operational/fraud risk management requirements.

Responsibilities:

• Advises and directs the development and maintenance of financial crimes owned policies and standards, and reviews relevant Front Line Units/Control Functions-owned policies and standards to ensure that regulatory requirements and operational risks are appropriately addressed

• Produces and/or oversees independent financial crimes risk management reporting to Global Financial Crimes senior leadership

• Monitors the changes in regulations applicable to Global Financial Crimes, including advising business leaders, directing the appropriate areas to implement or amend policies, standards, procedures and/or processes to address regulatory requirements, and challenging the implementation plan as needed

• Participates in industry forums and monitors regulatory expectations, emerging legislation and regulation, political scrutiny, litigation and key influencers to identify and mitigate emerging risks

• Escalates financial crimes related compliance and operational risks and issues to appropriate governance routines, management/board level committees

• Identifies, aggregates, reports, escalates, inspects, and challenges the remediation and thematic analysis of FLU/CF-owned issues and control enhancements related to financial crimes

• Reviews and challenges internal and external operational loss events, including the development of remediation plans to strengthen controls and providing oversight to ensure they are addressed appropriately

Additional Job Specific Responsibilities:

• Leads discussions with FLU, GCOR and GFC partners to analyze business processes, internal controls, client behavior and transaction trends

• Recommends changes to financial crimes standards, and review relevant Front Line Units/Control Functions-owned procedures (or like documents) to identify potential issues in meeting regulatory requirements and operational risks for resolution

• Contribute to the creation and implementation of GFC Coverage Plan which defines the scope of coverage for GB/GM

• Produces and/or oversees financial crimes risk management reporting to senior leaders within the business and global risk environment

• Establish, monitor and report on GFC and FLU metrics that are reflective of key risks within the areas of coverage

• Monitor regulatory changes applicable to Global Financial Crimes

• Engage with relevant GFC partners to drive thematic reviews of key risk areas and develop/enhance GFC automated detection tools designed to identify potentially suspicious activity as per regulatory guidance

• Advise FLU senior leaders on key regulatory developments in BSA/AML laws, rules and regulations

• Design monitoring and testing routines and reporting to identify potential AML risks and/or control weaknesses

• Evaluates the risk of assigned financial-crimes related issues, monitors progress and provides no objection to action plans and closure activities.

• Conduct targeted risk assessments, threat assessments and process understandings to identify new or emerging financial crimes risks

• Advise Key leaders in client selection processes to guide FLUs on potential financial crimes impacts

• Perform review and challenge of SPI and ensure FLU executes on challenges and/or issues raised

• Engage directly with Audit to provide advice and guidance on FLU Audits and respond to Audit requests and inquiries

• Participate in Regulatory Meetings and Exams to provide Risk Manager perspective on critical issues

• Participates in industry forums and monitors regulatory expectations, emerging legislation and regulation, political scrutiny, litigation and key influencers to identify and mitigate emerging risks

• Escalates financial crimes related compliance and operational risks and issues to appropriate governance routines, management/board level committees

• Identifies, aggregates, reports, escalates, inspects, and challenges the remediation and thematic analysis of FLU/CF-owned issues and control enhancements related to financial crimes

Skills:

• Critical Thinking

• Monitoring, Surveillance, and Testing

• Regulatory Compliance

• Risk Management

• Coaching

• Issue Management

• Policies, Procedures, and Guidelines Management

• Strategy Planning and Development

• Written Communications

• External Resource Management

• Reporting

• Talent Development

Preferred Technical Skills:

• Risk Identification & Assessment

• Issues Management & Resolution

• Line of Business (LoB) Products, Services & Acumen

• Financial Crimes Risk Programs

• Enhanced Due Diligence

• Credible Challenge

• Customer Due Diligence

• Regulatory Knowledge

• High Risk Activities & Typologies

• Financial Crimes Compliance Risk Principles

Required Qualifications:

• Minimum of 7 years of relevant experience in financial services industry, risk management, AML compliance, regulatory compliance, operational risk management, business risk & controls, or experience in related field

• Knowledge of anti-money laundering (AML) and related AML legislation

• Bachelor’s Degree or equivalent experience

Desired Qualifications:

• Bachelor’s Degree in related field

• Expert knowledge of the Crypto/Digital Asset space

• Experience in financial services and/or a related government entity

• Certified Anti-Money Laundering Specialist (CAMS)

• Experience and strong ability to work in a fast-paced, high-pressure environment and manage multiple priorities effectively

• Strong leadership and decision-making capabilities

• Ability to influence and drive change across the organization

Skills:

• Critical Thinking

• Quantitative Development

• Risk Analytics

• Risk Modeling

• Technical Documentation

• Adaptability

• Collaboration

• Problem Solving

• Risk Management

• Test Engineering

• Data Modeling

• Data and Trend Analysis

• Process Performance Measurement

• Research

• Written Communications

This job is responsible for driving and executing on internal control discipline and operational excellence within a Line of Business (LOB) or Enterprise Control Function (ECF). Key responsibilities include providing analytical and administrative support for LOB or ECF specific processes and tools to drive adherence to enterprise-wide standards. Job expectations include monitoring and testing controls and implementing quality assurance and quality control processes within the LOB or ECF by evaluating data to help identify, track, and report issues and control improvements for remediation.

Responsibilities:

• Oversees the design and effectiveness of the risk and control environment to support Client Operational Services and ensure adherence to enterprise-wide standards
• Supports the monitoring and testing of controls by evaluating data to identify issues and control improvements for remediation
• Implements optimized controls and enhanced Quality Assurance (QA) practices to support business continuity efforts
• Conducts and coordinates quality inspection reviews to enhance employee performance and control effectiveness
• Performs QA activities including executing on controls, managing cases, and reporting results
• Executes initiatives by identifying areas of potential testing automation, procedural updates, thematic trends, test script updates, and coaching opportunities to enhance QA program success
• Supports the overall management of and research required for regulatory exams, internal audits, and other monitoring and inspection reviews and evaluates data and information relevant to inspection metrics to support governance activities for dashboard reporting

Skills:

• Controls Management
• Issue Management
• Monitoring, Surveillance, and Testing
• Quality Assurance
• Risk Management
• Analytical Thinking
• Attention to Detail
• Critical Thinking
• Problem Solving
• Written Communications
• Decision Making
• Innovative Thinking
• Prioritization
• Recording/Organizing Information
• Research

Key Responsibilities:

• Evaluates data and information relevant to inspection metrics to support governance activities for dashboard reporting
• Serves as an escalation point to resolve broad and complex operational issues by partneringwith operations management teammates, business leaders and subject matter experts to support business operations and business management processes
• Supports functions carrying a substantial risk of exposure and potential loss with significant impact on major corporate customer relationships
• Supports monitoring and testing of controls by evaluating data to identify issues and control improvements for remediation
• Synthesizes findings and provides actionable insights to drive resolution and prevent recurrence of delays by identifying areas of potential procedural updates, thematic trends, and coaching opportunities to enhance AML Refresh program success
• Supports the overall management of and research required for regulatory exams, internal audits, and other monitoring and inspection reviews
• Evaluates data and information relevant to inspection metrics to support governance activities for dashboard reporting
• Ensures accuracy of AML Refresh client portfolio data using internal (AWARE, Cesium, GDS) and external comparison tools
• Performs research and conducts moderately complex analysis (automated and manual) of data provided or obtained thru reporting or manual research, in a range of formats (Excel, Power BI, tableau dashboards, ect)
• Explores methods to enhance processes, further reduce risks, and improve AML Refresh process
• Creates analysis and liaises with internal partners to ensure proper client reporting and assist with regulatory reporting
• Escalates potential risks and exposures to manager in a timely manner
• Assists with ad-hoc projects, new processes, or initiatives requiring coordination among subject matter experts representing multiple product areas or functions
• Investigates root causes of production delays by engaging with AML Refresh Operations, Lines of Business (LOBs), Global Financial Crimes (GFC), and leadership
• Identify, develop, and support tactics to engage and influence stakeholders to achieve desired outcomes and/or deliverables

Required Skills:

• 24 months AML Refresh analyst experience preferred or familiar with QA, risk management, fraud management, project management and regulatory interpretation
• Ability to work in a team environment
• Exemplary verbal and written communication skills
• Experience in a process-oriented production environment with periodic changes
• Proficiency in MS Office Suite (Excel, Word, Outlook, Access)
• Strong organizational skills with the ability to prioritize and manage multiple assignments
• Ability to meet tight deadlines while ensuring data accuracy and integrity
• Self-motivated and capable of working with minimal supervision
• Attention to detail, critical thinking, and problem-solving skills
• Strong customer and client focus with adaptability and results orientation

Desired Skills:

• College degree (A.A.) or comparable work experience
• Experience working within a highly productive team in a fast-paced environment
• Strong analytical skills, with an investigative mindset and ability to use data to enhance efficiency and develop reporting to drive business insights
• Strong executive presence and presentation skills with the ability to present key messages, effective recommendations, and information in a clear, concise, insightful, and influential way
• Prior experience managing multiple projects and adjusting to changing deadlines
• Lean Sigma Six or Project Management certificates