Citizens · 17 hours ago
AML Investigator
200 Station Drive, Westwood, MA, 02090, US
Full-time
Hybrid
Mid LevelCitizens is a financial institution seeking an AML Investigator to conduct investigations of potential money laundering and BSA/AML violations. The role involves conducting due diligence inquiries, preparing Suspicious Activity Reports, and collaborating with law enforcement to ensure compliance with regulations.
BankingCredit CardsFinancial ServicesFinTechRetail
Responsibilities
Conduct financial forensic investigations on AML cases involving complex patterns of transactions. Case sources include an internal application, referrals from business lines, law enforcement and department intelligence
Perform an independent assessment of the risk represented by the customer and/or the activity in which the customer has engaged
Determine the best investigative approach for each unique case, ensuring that key questions are addressed and that Compliance AML for Citizens and A department policies/regulatory expectations are satisfied
Exercise critical thinking and critical decision-making skills to efficiently and effectively determine whether or not further investigative and analytical activity is required
Exercise autonomous decision making with regard to status of referred customers/activity, e.g., case/ no case, SAR/ No SAR, customer exit/customer retention
Create and maintain comprehensive case files that document the decision-making process and contain all applicable supporting documentation
Document Suspicious Activity Reports in manner associated with law enforcement audience
Exercise independent discretion regarding problem resolution (investigator is expected to identify, evaluate, and resolve problems rather than just report/refer to Management)
Demonstrate the ability to identify and escalate customers/activity that represents a significant risk to Citizens in terms of regulatory compliance, violation of law, or reputation
Ensure that SARs meet all regulatory requirements and are completed within the required regulatory timeframe
Apply knowledge of BSA/AML regulations to the analysis/review of customers and activity in order to identify and report suspicious activity
Organize and prioritize work tasks to ensure that a large volume of work is completed in a risk based and efficient manner
Develop and maintain strong relationships with law enforcement by providing information and documentation to them as requested
Respond to inquiries from Branch and business line personnel on BSA/AML matters
Effectively communicate to bank personnel the rationale behind closing recommendations
Qualification
Required
Bachelor's Degree Required – All relevant majors considered including Forensic Accounting, Criminal Justice, Business Administration, etc
Excellent written and oral communication skills
Strong investigative and research skills
Ability to prioritize a complex work load
Ability to provide high quality service to all business units across CFG and adhere to Quality Standards and Corporate Values
Excellent Microsoft Word and Excel skills along with general proficiency in adapting to new software applications
Preferred
Knowledge of AML regulations and industry best practices
Knowledge of retail banking, lending and bank operations processes
ACAMS Certification
Knowledge of Brokerage Monitoring, Third Party Payment Processor Monitoring, or Embedded Finance
Company
Citizens
At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do.
Founded in 1828
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$2B2025-02-26Post Ipo Debt· $750M
2024-07-09Post Ipo Debt· $1.25B
2014-09-23IPO
Leadership Team
Melisa Carrascoza
SVP, Business Banking Market Executive - New England South
Steve Kozek
Head of Commercial Excellence, Senior Vice President
Recent News
2026-01-22
Talk Business & Politics
2026-01-19
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