Conduct routine to complex investigations of potentially suspicious activity identified through transaction monitoring surveillance, branch escalations, regulatory inquiries, or referrals from Compliance, Legal, Risk, or other business units.
Analyze client background information, securities transactions, and fund movements to identify potential money laundering, terrorist financing, or other financial crimes.
Utilize internal systems and external research tools, including negative news screening, to analyze activity and determine whether escalation is warranted.
Submit 314(b) requests and Requests for Information (RFIs) to branches, as needed.
Prepare detailed, accurate, and timely Suspicious Activity Reports (SARs) for submission to regulators and/or law enforcement when suspicious activity is identified.
Perform continuing activity reviews and identify/report any ongoing suspicious activity.
Administer AML policies and procedures in alignment with regulatory requirements, including the USA PATRIOT Act.
Monitor regulatory developments and industry trends and support their integration into the firm's AML program.
Train and mentor team members on AML policies, procedures, and regulatory requirements.
Deliver presentations during team and departmental meetings.
Perform other duties as assigned.
Required Skills
Strong SAR narrative writing skills, including clear and well-supported analysis of suspicious activity.
Strong knowledge of bank and brokerage products and practices, including account types and transactional behavior.
Knowledge of financial crime typologies, including securities fraud and market manipulation.
Understanding of emerging financial risks and products (e.g., cryptocurrency, sanctions, informal value transfer systems).
Ability to identify patterns, trends, and anomalies in transactional data.
Strong organizational and time management skills, with the ability to manage multiple priorities and meet deadlines.
Excellent written and verbal communication skills.
Ability to work independently and collaboratively in a fast-paced environment.
High level of professionalism, confidentiality, and customer service.
Commitment to staying current with AML regulations, emerging risks, and industry best practices.
Education/Previous Experience Requirements:
Bachelor's degree from a four-year college or university in a related field, with 3-5 years of relevant experience in financial transactional analysis, AML investigations, and Suspicious Activity Reporting.
Brokerage industry experience (1-2 years) is highly preferred.
Licenses/Certifications
CAMS certification is required within 12 months of the hire date.
Education
Work Experience
Certifications
Travel
Less than 25%
Workstyle
Hybrid
At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
Grow professionally and inspire others to do the same
Work with and through others to achieve desired outcomes
Make prompt, pragmatic choices and act with the client in mind
Take ownership and hold themselves and others accountable for delivering results that matter
Contribute to the continuous
Benefits
Dental insuranceVision insurancePaid time offEquity / stock optionsPerformance bonusParental leave
Additional Information
Job Description Summary
The AML/FCM Senior Analyst is responsible for conducting end-to-end investigations to monitor transactional activity and ensure adherence to regulatory expectations across one or more lines of business, leveraging specialized knowledge of securities and/or banking products developed through experience, training, and/or certification.
In addition, this role involves leading projects of moderate scope and complexity, resolving or recommending solutions to complex issues, and collaborating with internal stakeholders, Financial Advisors, branch personnel, and external partners to identify, research, and resolve potential concerns.
Job Description
Raymondjames · Saint Petersburg, Florida - United States