AML SAR Writer

Investigating customer accounts based on system generated or manual referrals for suspicious activity The AML Analysts within the CRIU review system-generated and manual cases for activity conducted by Client clients. The Senior Compliance Analyst is responsible for managing a caseload of investigations, performing analysis and follow-up and working cases from beginning to completion according to Client AML procedures and policies. Cases are generated from sources which include Automated Alerts (EAP, Mantas), and Manual referrals.

• Investigate customer accounts for suspicious activity, documenting and reporting findings and preparing case files (media search results, statements, checks, internal system searches, etc.).
• Conduct research using bank systems, the internet, and databases to resolve investigations.
• Collect and examine financial statements/transaction data to identify unusual transaction patterns.
• Follow up with additional points of contact (POC) as needed to obtain supporting information.
• Document all research and analysis in the Case Management System.
• Create Suspicious Activity Reports (SARs) and recommend relationship retention or termination; track account closures as required.
• Liaise with other CRIU units, ACRM, the Business, CSIS, FIU Legal, Trade Surveillance, and Law Enforcement where applicable.
• Handle a caseload of 1–2 cases per day, focusing on in‑depth investigations rather than high‑volume alert processing.
• Apply AML investigative knowledge to retail banking or card scenarios, including structuring, CTR, and AML scenarios specific to retail bank accounts.
• Write end‑to‑end SARs manually, following Client AML procedures.
• Use AML investigative expertise derived from a background in retail banking or cards (preferably from Client or Wells Fargo).

• Bachelor’s Degree required or equivalent experience.
• 1–5 years of experience reviewing customer transactions and performing AML or financial investigations.
• Experience writing and preparing SARs in accordance with regulatory requirements.
• Knowledge of BSA, USA PATRIOT Act, FinCEN, OFAC, SEC, and Client AML guidelines.
• CAMS certification is a plus.
• Understanding of senior public figures, money service businesses, wealth management, and retail banking compliance.
• Strong research skills, especially with online search tools.
• Advanced proficiency in Microsoft Office (Word, Excel, Access, PowerPoint, Outlook).
• Excellent writing, analytical, and communication skills; strong attention to detail and follow‑up abilities.
• Self‑starter, organized, and able to work independently without supervision.
• Preferred experience from Client or Wells Fargo; smaller regional banks may not be suitable.