דרושים Global Financial Crimes Investigator - Consumer ב-Bank Of America ב-United States, Charlotte

Job Description:

This job is responsible for providing phone-based services to relationship jobs where the representative is expected to take several inbound service calls daily to solve for financial needs. Key responsibilities include deepening relationships by referring clients to specialized sales teams and serving as a central entry point into a fully licensed financial services career. Job expectations include managing products, trading in self-directed accounts, and maintaining knowledge on chat functionality and a wide variety of products.

• Identifies clients’ needs and find proper solutions to meet those needs by referring sales opportunities to specialist and sales teams
• Receives training through the licensing/study program, ultimately earning SIE, S7 and S66 certifications
• Focuses daily on service to sales with existing Merrill clients
• Provides exceptional client care, growing client relationships, and guiding clients with needs-based solutions that will support their financial goalsYou’re the kind of person that (required skills):
• Is client-focused with a passion for excellence and a positive team attitude.
• Is self-motivated, goal-oriented, andhas the ability tomultitask in a fast moving, performance –based environment.
• Has the ability to identify clients’ needs and find proper solutions to meet those needs by referring sales opportunities to specialist and sales teams.
• Is an effective communicator with an aptitude for sales and relationship management
• Has strong computer skills
• Is prepared to pass licensing exams – Security Industry Essentials (SIE) and Series 7 and Series 66.
• Wants to establish a long-term career in the financial services industry at a fast-growing company that rewards hard work and dedication.
• Is ambitious, disciplined, hardworking, resilient and willing to learn.
• A bachelor’s degree, or 1-2 years of experience in a performance-based environment.
• The Security Industry Essentials (SIE) or other financial services licenses and interest in pursuing the Series 7, and/or the Series 66 licenses.
• Leadership capabilities.

Skills Used in this Role:
• Establishing Trust
• Customer Service
• Overcoming Objections
• Consulting
• Risk Management
• Organization
• Critical Thinking
• Conflict Resolution
• Building Rapport
• Active Listening
• Customer Focus
• Analytical Thinking

Additional Skills:

Job Description:

Job Description:

This role is responsible for executing the Company's Global Financial Crimes Program related to Global Banking Program Management and requires a strong risk management discipline and experience with operational risk processes. This role will be responsible for identifying and assessing inherent financial crimes risk and controls associated with Global Banking, new product initiatives and program management. This role is responsible for carrying out risk management activities for the front line units (FLUs) on Bank Secrecy Act/Anti-Money Laundering laws, rules and regulations and the Global Financial Crimes Policy and Standards.This individual will be responsible for evaluating and communicating the effectiveness of FLU controls and be able to drive the consistent improvement and strengthening of these controls to improve upon the Company's ability to detect and prevent unusual or suspicious activity.

The selected candidate will be or will have:

• A self-motivated worker who is comfortable and effective providing guidance to junior teammates

• Strong personal drive, attention to detail, individual initiative, a sense of urgency and responsiveness, with a desire to grow, learn, and take on increasing levels of responsibility

• Ability to successfully communicate to influence management and lead change on both strategic and tactical initiatives.

This position additionally entails:

• Leading discussions with GFC Risk Managers and Senior Leaders, the Global Banking Front Line Unit (FLU), Global Banking FLUs, Global Compliance & Operational Risk (GCOR) and Global Financial Crimes (GFC) partners to analyze business processes, internal controls, client behavior and transaction trends

• Contributing to the creation and implementation of GFC Coverage Plan which defines the scope of coverage for Global Banking and Global Banking FLUs – U.S and International

• Establishing the strategic direction for proactive risk mitigation for GFC, FLU and Enterprise risk tolerance metrics that are reflective of key risks within the areas of coverage and escalating financial crimes related compliance and operational risks and issues to appropriate governance routines, management/board level committees

• Directing the completion compliance activities such as: designing monitoring and testing routines and reporting to identify potential AML risks and/or control weaknesses; conducting targeted risk assessments, threat assessments and process understandings to identify new or emerging financial crimes risks; and identifying, aggregating, reporting, escalating, inspecting and challenging the remediation and thematic analysis of FLU/CF-owned issues and control enhancements related to financial crimes

• Guiding GFC associates on potential financial crimes impacts in the client selection and product expansion processes

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

Required Qualifications:

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

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

• Experience with compliance reporting, regulatory reporting, SARs reports

• Experience reconciling, analyzing, and manipulating large data

• Proficiency in compliance technology, case management systems, and data analytics tools is a plus

• Strong experience and understanding of Transaction Monitoring/CDD Models and Systems

• Experience in automating manual processes and good understanding of technologies that are designed for specific AML use cases

Desired Qualifications:

• Bachelor’s Degree in related field

• 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

This job is responsible for managing a financial center and it's employees on a day-today basis. Key responsibilities include operating as a business owner and fostering a team environment, instilling an effective client-centric and risk culture in the center, and helping clients achieve the financial goals. Job expectations include ensuring operational excellence and cohesive effectiveness.

Responsibilities:

• Develops talent, including proactive sourcing of candidates
• Manages client traffic, engaging and appropriately routing clients, and fostering client retention
• Manages business results through formalized management routines and coaching
• Creates a world class client experience environment
• Manages market-level initiative prescribed by market leaders
• Drives operational excellence by engaging employees on business strategy
• Manages organizational priorities and effective execution

Managerial Responsibilities:
This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above.

• Opportunity & Inclusion Champion: Creates an inclusive team where members are treated fairly and respectfully.
• Manager of Process & Data: Demonstrates and expects process knowledge, data driven decisions, simplicity and continuous improvement.
• Enterprise Advocate & Communicator: Delivers clear and concise messages that motivate, convey the “why” and connects contributions to business results.
• Risk Manager: Leads and encourages the identification, escalation and resolution of potential risks.
• People Manager & Coach: Knows and develops team members through coaching and feedback.
• Financial Steward: Manages expenses and demonstrates an owner’s mindset.
• Enterprise Talent Leader: Recruits, on-boards and develops talent, and supports talent mobility for career growth.
• Driver of Business Outcomes: Delivers results through effective team management, structure, and routines.

Skills:

• Coaching
• Customer Service Management
• Customer and Client Focus
• Performance Management
• Talent Development
• Business Operations Management
• Recruiting
• Result Orientation
• Risk Management
• Sales Performance Management
• Inclusive Leadership
• Leadership Development
• Prioritization
• Problem Solving
• Referral Management

Required Qualifications:

• 1+ years of leadership experience demonstrated through one or a combination of the following: coaching, training and/or motivating a work team
• Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client
• Collaborates effectively to get things done, building and nurturing strong relationships
• Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives
• Is confident in identifying solutions for clients based on their needs and can resolve problems independently or bring in others as needed
• Communicates effectively and confidently and is comfortable engaging all clients
• Has the ability to learn and adapt to new information and technology platforms
• Applies strong critical thinking and problem-solving skills to meet clients' needs
• Will follow established processes and guidelines in daily activities to do what is right for clients and the bank, adhering to all applicable laws and regulations
• Efficiently manages time and capacity
• Can manage complexity, prioritize tasks, delegate and execute in a fast-paced environment
• Can interpret performance results, find opportunities to drive success and hold others accountable to results
• Must be able to work weekends and/or extended hours

Desired Qualifications:

• 1+ years of management experience including hiring, coaching and developing direct reports
• Experience in financial services and knowledge of financial services industry, products and solutions
• Experience working in an environment with individual and team goals where goals were routinely met or exceeded
• Bilingual skills​

High School Diploma / GED / Secondary School or equivalent

Job Description:

Job Description:

This job is responsible for enhancing the value of our technical platforms supporting the deployment and sustainability of financial crime data and detection models used by Global Financial Crimes at Bank of America. This includes owning the roadmap for the product, delivering well planned enhancements, and managing risks throughout the lifecycle. Key Responsibilities include research, documenting requirements, data driven backlog refinement, prioritizing enhancements, planning, testing, monitoring, tracking issues, and defining objectives for reporting routines. Job Expectations include ownership of key product decisions and deep subject matter expertise to manage complex products with large agile teams in delivery of scalable data warehouses, data lakes, and data products supporting Global Financial Crimes and Anti-Money Laundering work.

Key Responsibilities

• Develops the technical platform strategy that ensures that functionality of data used for analytics, detection models, and investigations are deployed effectively, maintained robustly and continuously improved to meet evolving business and regulatory needs.
• Defines product roadmap to Maximize Value
• Executes and delivers through agile methodology with clear backlog and prioritization methodology
• Gathers and documents actionable technical requirements for complex projects
• Analyzes data and synthesizes complex insights that identifies strategic improvements
• Communicates and influences key to gather buy-in on roadmap, risks, and technical decisions based on business needs and platform performance
• Serves as a subject matter expertise to guide key decisions and drive innovation within the area
• Owns and manages end-to-end risk for the product through preventive processes, detective monitoring, and effective remediation to reduce reoccurrence
• Acts as Subject Matter Expert (SME) for data platforms towards engaging with business users and technology partners to create a product roadmap, design robust solutions, and develop quality increments for release to the production environment as part of the Software/Service Delivery Lifecycle (SDLC).

Required Qualifications:

• 7+ years of experience
• Strong analytical and problem-solving mindset, with an emphasis on sustainability, efficiency, and control robustness.
• Ability to collaborate effectively with cross-functional teams across the Software/Service Delivery Lifecycle (SDLC) and in a Scalable Agile framework.
• Experience working in data engineering and/or managing big data platforms (i.e., data warehouses, data lakes) including system integration work to move data between platforms and building data structures for expected consumption patterns.
• Experience using query languages for extracting and analyzing data in a database, data warehouse, or data lake such as SQL or PySpark.
• Experience with data warehouse or data lake concepts such as CRUD privileges (Create, Read, Update, Delete), indexing, partitioning, logical and materialized views, or optimization techniques.
• Experience performing data quality assessments.
• Experience with analytics infrastructure in a financial institution or technology environment.
• Understanding of model lifecycle management, including deployment, validation, calibration, and performance monitoring.
• Familiarity with advanced statistical and modeling techniques such as artificial intelligence and machine learning.
• Understanding of risk management and model governance frameworks (e.g., SR 11-7, OCC 2011-12).
• Project management and strategic planning skills, with the ability to translate business goals into technical deliverables.
• Exceptional communication and documentation skills, capable of bridging technical and non-technical audiences.

Skills:

• Critical Thinking
• Monitoring, Surveillance, and Testing
• Regulatory Compliance
• Risk Management
• Strategy Planning and Development
• Written Communications
• External Resource Management
• Reporting

Job Description:

This job is responsible for executing substantive money laundering, economic sanctions and fraud compliance and operational risk practices. Key responsibilities include working directly or through compliance officers for the Front Line Units (FLUs) and Control Functions (CFs) to complete compliance, policy, operational/fraud risk management requirements.

Theserves as a subject matter authority responsible for the intake, assessment, and interpretation of red flags and regulatory guidance across the financial institution. This role ensures the organization maintains a comprehensive, current, and risk-aligned red flag framework to meet Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and global financial crime compliance obligations. The expert provides critical insights that shape policy, detection strategies, and frontline awareness, while directly supporting regulatory readiness and risk management efforts.

Responsibilities:

• Manage the intake, evaluation, and classification of AML red flags, ensuring coverage of customer, product, geographic, and transactional risk dimensions.

• Interpret and translate regulatory guidance, advisories, enforcement actions, and industry best practices (e.g., FinCEN, FATF, OFAC, OCC, DOJ) into actionable requirements.

• Maintain and continuously update the enterprise red flag inventory, ensuring it reflects emerging risks and aligns with regulatory expectations.

• Provide expert interpretation and advisory support to investigators, operations teams, and risk managers regarding the application of red flags in day-to-day monitoring and decision-making.

• Collaborate with policy, standards, and model development teams to embed red flags into surveillance, transaction monitoring, due diligence, and risk assessments.

• Develop clear, practical guidance and materials for use across the three lines of defense, including training content and awareness sessions.

• Prepare analysis and documentation to support regulatory examinations, audits, and internal reviews focused on red flag governance and effectiveness.

• Proactively identify and assess emerging trends, typologies, and financial crime risks to recommend adjustments to program coverage.

Required Qualifications:

• Minimum of seven years of relevant experience - BSA/AML or financial crimes experience within a large financial institution or regulatory agency

• Bachelor’s degree

• In-depth knowledge of U.S. and international AML regulations, including FinCEN advisories, FFIEC Manual, FATF recommendations, and enforcement trends

• Demonstrated expertise in identifying, interpreting, and applying AML red flags across financial products, services, and channels

• Strong research and analytical skills with ability to synthesize complex regulatory expectations into practical, risk-based guidance

• Excellent written and verbal communication skills, capable of drafting clear policies, procedures, and presentations for senior audiences

• Ability to manage multiple priorities with accuracy, detail, and timeliness in a fast-paced environment

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

Desired Qualifications:

• Familiarity with AML detection models, scenario development, and investigative workflows

• Experience engaging with regulators or audit teams on AML risk coverage and red flag frameworks

• Working knowledge of sanctions, fraud, and other financial crime typologies beyond AML

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

• Advanced degree or professional certification (e.g., CAMS, CFCS, CRCM) strongly preferred

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:

• Issues Management & Resolution

• Process Management & Inventory

• Project Management

• Risk Control & Mitigation

• Risk Governance & Reporting

• Financial Crimes Risk Principles

• Financial Crimes Risk Programs

Job Description:

Job Description:
This job is responsible for performing end-to-end investigations or investigations support functions of external financial crimes activities across one or more lines of business. Key responsibilities include conducting routine to complex investigations, including fraud committed by external parties, money laundering, or terrorist financing and acting as the liaison to Law Enforcement as required.

This role will entail completing investigations while ensuring cases meet or exceed closure and quality metrics, reporting facts of the investigation to assist in identifying potential operational or compliance risks, and completing Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement.

This role may ultimately report to any number of investigations teams across the consumer or client managed lines of business, as well as roles filled within specialized investigations. An Investigator may be asked to partner with GFC Risk Management, front line units or other stakeholders to resolve investigations. The Investigator will maintain a working knowledge of the Bank Secrecy Act (BSA), USA PATRIOT Act, Anti-Money Laundering efforts, Office of Foreign Assets Control (OFAC) and awareness of industry best practices.

Responsibilities:

• Completes investigations while overseeing cases meet or exceed closure and quality metrics

• Completes Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement

• Reports facts of the investigation to senior stakeholders, assisting in identifying potential operational or compliance risks and partners with Global Financial Crimes (GFC) Management and/or Front Line Units (FLU) to resolve investigations

• Performs quality control functions, training, communications, guidance, monitoring scenario development/enhancement input and testing, or law enforcement liaison responsibilities in an investigative support role

• Managing a significant case inventory while prioritizing cases based upon risk and/or management direction while adhering to department Service Level Agreements (SLAs)

• The Investigator will perform research and analysis of transaction information, customer data, public records, social media platforms or other external research tools to aide in the investigation to determine whether the activity appears to be normal for the client type.

• The Investigator communicates with GFC Management, front line units or other internal stakeholders, and law enforcement to obtain additional information and documentation as needed to resolve investigations.

• The Investigator recommends appropriate follow-up and possible account closure for customers that exceed the Bank's risk tolerance; and identifies and escalates potential operational or compliance risks.

Required Experience:

• Minimum of five years of relevant experience

• 3 years’ experience with 1 year of relevant experience with, AML, Risk, or Compliance experience and/or knowledge of financial crimes typologies

• BSA knowledge relative to AML

  Proficiency in Microsoft Excel / data analytics

Desired Experience:

• Additional technical/functional experience (e.g., Industry type): Financial Services and/or related government entity

• Certifications: ACAMS - Association of Certified Anti-Money Laundering Specialists

• FINRA licenses including the SIE or Series 7, Series 4, Series 24, as well as experience in Law enforcement and/or interacting with law enforcement and/or bi-lingual (Spanish, Russian, Chinese/Mandarin, and/or Farsi a plus.

• Bachelor's Degree in related field

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

• Certified Anti-Money Laundering Specialist (CAMS)

Skills:

• Critical Thinking

• Fraud Management

• Regulatory Compliance

• Written Communications

• Investigation Management

• Policies, Procedures, and Guidelines Management

• Reporting

• Risk Management

• Coaching

• Issue Management

• Talent Development

This job is responsible for engaging clients in the lobby to educate and assist with conducting transactions through self-service resources, such as mobile banking, online banking, or ATM. Key responsibilities include accurately and efficiently processing cash transactions for clients as needed. Job expectations include having deep conversations with clients to gain in-depth knowledge of the financial and life priorities and connecting clients to solutions that meet the financial goals.

Responsibilities:

• Executes the bank's risk culture and strives for operational excellence
• Builds relationships with clients to meet financial needs
• Follows established processes and guidelines in daily activities to do what is right for clients and the bank, adhering to all applicable laws and regulations
• Grows business knowledge and network by partnering with experts in small business, lending, and investments
• Manages financial center traffic, appointments, and outbound calls effectively
• Drives the client experience
• Manages cash responsibilities

Required Qualifications:

• Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client
• Collaborates effectively to get things done, building and nurturing strong relationships
• Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives
• Is confident in identifying solutions for new and existing clients based on their needs
• Communicates effectively and confidently and is comfortable engaging all clients
• Has the ability to learn and adapt to new information and technology platforms
• Is confident in educating clients on how to conduct simple banking transactions through self-service technologies (for example, ATM, online banking, mobile banking)
• Applies strong critical thinking and problem-solving skills to meet clients' needs
• Will follow established processes and guidelines in daily activities to do what is right for clients and the bank, adhering to all applicable laws and regulations
• Efficiently manages time and capacity
• Focuses on results while acting in the best interest of the client
• Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance​

Desired Qualifications:

• Experience in financial services and knowledge of financial services industry, products and solutions
• One year of demonstrated successful sales experience in a salary plus incentive environment with individual sales goals
• Six months of cash handling experience
• Bachelor's Degree or business-relevant Associate’s Degree such as business management, business administration or finance​

Skills:

• Adaptability
• Business Acumen
• Customer and Client Focus
• Oral Communications
• Problem Solving
• Account Management
• Client Experience Branding
• Client Management
• Client Solutions Advisory
• Relationship Building
• Business Development
• Pipeline Management
• Prospecting
• Referral Identification
• Referral Management

High School Diploma / GED / Secondary School or equivalent