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How to Format an AML Analyst Resume
There are three strategic ways to format your AML analyst resume chronological, hybrid and functional resume. Each resume plays up specific professional strengths and helps mask potential weaknesses. For example, a chronological resume is best for Candidate A below — this one works best for candidates with over a decade of steady experience and can help job seekers highlight promotions and career growth.
Candidate B only has two years of experience and less than one year at their current job, but they’re highly trained and looking to relocate for personal reasons. A functional resume, or skills-based resume, minimizes the work history section and dates of employment to instead prioritize multiple skills sections that highlight professional accomplishments and knowledge.
Chronological Resume
- 14 years in workforce
- 4 years at this job
- MS Computer Science
Work Experience
AML Analyst Resume, Big Bob’s Beeper Emporium
June 2018 – current, Seattle, WA
- Worked independently and used extensive federal and state banking regulation and compliance knowledge.
- Identified multiple significant cases, red flags and patterns associated with laundering illicit funds within a six-month period.
- Performed detailed analyses to detect patterns, trends, anomalies, and schemes in transactions and relationships across multiple businesses/products. Summarized research into a comprehensive account monitoring report for executive management
Functional Resume
- 2 years in workforce
- 1 years in current job
- BS Computer Science
Professional Skills
Investigation
- Worked independently and used extensive federal and state banking regulation and compliance knowledge
- Identified multiple significant cases, red flags and patterns associated with laundering illicit funds within a six-month period.
- Conducted enhanced due diligence research of individuals, institutions and trusts related to potential fraudulent activity. Identified three conspirators.
Analysis
- Performed detailed analyses to detect patterns, trends, anomalies, and schemes in transactions and relationships across multiple businesses/products.
- Analyzed clients databases to create an internal Account Monitoring Report.
AML Analyst Resume Samples
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0-5 years of experience
Conducted research that utilized internal and external public and private databases to compile a portfolio of information on funds transfer and or check instrument products/transactions.
- Assisted and provided information to support Suspicious Activity Reports (SAR) or equivalent for regulatory filing.
- Maintain a strong investigative skills; the ability to work independently, demonstrated extensive banking and Compliance knowledge.
- Investigated, monitored and managed over 75 large accounts for suspicious activities on a daily basis.
- Identified multiple significant cases, red flags and patterns associated with the laundering of illicit funds.
0-5 years of experience
Responsible for identifying and researching the patterns, trends and anomalies in complex transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring.
- Used transactional and customer records, external data, publicly- available information, and other information to identify suspicious or unusual activity.
- Performed detailed analyses to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses/products.
- Prepared suspicious activity reports for BSA/AML management.
- Participated in and provided technical support for projects and initiatives with moderate to high risk.
- Identified training opportunities and developed, conducted, and assisted with a wide range of BSA/AML- related training.
- Assist with preparation and review of materials gathered for regulatory exams/audits
0-5 years of experience
Performed monthly AML risk-based review and analysis on individual and business accounts and made recommendations for further review
- Reviewed and analysis on Moderate Risk accounts
- Conducted enhanced due diligence research of individuals, institutions and trust through LexisNexis and other internet tools.
- Interacted with Bank management on suspicious transactions conducted by customers.
- Prepared and reviewed Loan accounts, RDC (Remote Deposit Capture), Wire Transfers and Monetary Instrument reports in quarterly basis.
0-5 years of experience
Reviewed incoming Suspicious Act Information Forms and submitted reports to IRS and FINCEN in compliance to their standards and procedures.
- Analyzed clients’ database to create Customer Monitoring Report and reported to FINCEN.
- Created graphs using pivot tables from previous years’ dashboard to estimate incoming workload.
- Updated and revised 2014 Master Dashboard (Automated the functions and formulas in the database).
0-5 years of experience
Identified and investigated suspicious customer transactions.
- Researched, wrote, and reviewed Suspicious Activity Reports on a daily basis while ensuring compliance with federal regulations.
- Performed Enhanced Due Diligence on customers deemed high risk, and suggested account restrictions and/or account closures based on risk to the institution.
- Analyzed potential Office of Foreign Assets Control (OFAC) hits to ensure transactions were in compliance with United States sanctions.
- Worked closely with team members and other financial institutions to fulfill 314(b) of the USA Patriot Act Sharing of Information requests.
- Provided training on Bank Secrecy Act and Anti-Money Laundering procedures and systems for new employees.
0-5 years of experience
Reviewed Consumer customers identified as requiring further analysis and made risk decisions based upon Know Your Customer (KYC) standards.
- Determined and implemented additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, analysis of transaction activity.
- Conducted reviews of client documentation and information obtained by client contacts within the business units.
- Ensured that information obtained was consistent with BSA/AML Policy and Procedures and satisfied regulatory requirements.
- Performed additional tasks as assigned, improving the effective administration of the AML and KYC Policies.
0-5 years of experience
Identifying OFAC alerts in Actimize such as Political Exposed Person, that may be, located and doing business with US Sanction and Embargo countries.
- Supplied proof that False Positives were proven to be correct and updated Actimize.
- Researched client information via Google and LexisNexis.
- Submitting PEP’s to compliance, after been identified to be added on SDN list.
- Reviewing and updating KYC files with missing and updated information to satisfy compliance requirements.
- Contacting Relationship Manager, for further information when EDD is conducted.
0-5 years of experience
Conduct investigations on Cases and Alerts produced through the banks automated Anti-Money Laundering System or through internal referrals, Subpoenas or 90 Day SAR Reviews
- Well versed in completing and reviewing Enhanced Due Diligence Investigations
- Gather, prepare & package documentation & information on a diverse group of customers, accounts & monetary transactions in accordance with Federal regulations & specific bank requirements, standards & processes
- Responsible to prepare & submit narrative summary of findings for each individual review, including a detailed recommendation for further action, to Senior VP
- Identify customer upsell opportunities & provide leads to branch managers
- Prepare Suspicious Activity Reports to FinCEN & send completed SAR to FinCEN.
- Train new employees on the various tasks & daily systems.
0-5 years of experience
- Promoted to team leader responsible for training new AML hires on complying with company’s due diligence procedures and regulatory mandates.
- Initiated, processed, closed, and documented investigations per Know Your Customer, USA PATRIOT Act, Section 326, Bank Secrecy Act.
- Counseled financial advisors on handling KYC client account issues.
- Cross-trained key members of New Accounts department on AML on-boarding policies.
- Internally audited New Account’s compliance with KYC procedures.
- Documented and monitored risk mitigation activities, surveillance of account activities and monitoring of structural changes for internal and external audit needs.
0-5 years of experience
Conducted initial analysis and assessment of alerts generated from Mantas using internal/external research tools
- Completed Suspicious Activity Reports (SAR) as required by the Bank Secrecy Act
- Evaluated wire transfers and other payments for potential fraud, money laundering, patterns and inconsistencies
- Review, research and make determination of suspicion on items and transactions identified according to the Bank Secrecy Act (BSA) via AML automated alerts or manually received reports and referrals
- Understand and stay current on the Red Flags and industry trends related to AML
- Conduct background investigations as required
0-5 years of experience
Reviewed federal court findings derogatory information along with Publications to discern proper dispositioning
- On boarded initial case reviews, existing 3yr KYC, and high risk jurisdiction/ business accounts
- Was liaison to law enforcement based on client accounts/ and history. Created/filed SARs reports based on client/account findings and Performed OFAC surveillance alerts
- Maintained an effective CDD/EDD risk rating by monitoring accounts in accordance to BSA guidelines and filing SARS reports.
- Made risk determinations based on sanctioned alerts extracted from OFAC, Canadian, and International list screening
- Ascertained negative media, client industry, country risk and impact effecting reputational risk to the bank.
- Liaised and created rapports with relationship managers and law enforcement agencies using least amount window time in determining accounts.
0-5 years of experience
Conduct and maintain key elements of the Bank’s BSA/AML Risk Management program.
- Assist and maintain the bank’s Currency Transaction Reporting program.
- Assist and maintain the bank’s CTR reporting exemption program.
- Assist and maintain the bank’s OFAC, 311 and 314a program.
- Maintain Credit files in a current and organized fashion.
- Ensure new files are correctly established and paid relationship files are properly archived.
- Maintain a cross-reference index for open relationships and an archived index for closed files.
- Maintain and/or assist in developing processes and procedures for assigned areas of responsibility.
0-5 years of experience
Reviewed federal court findings derogatory information along with Publications to discern proper dispositioning
- On boarded initial case reviews, existing 3yr KYC, and high risk jurisdiction/ business accounts
- Was liaison to law enforcement based on client accounts/ and history. Created/filed SARs reports based on client/account findings and Performed OFAC surveillance alerts
- Maintained an effective CDD/EDD risk rating by monitoring accounts in accordance to BSA guidelines and filing SARS reports.
- Made risk determinations based on sanctioned alerts extracted from OFAC, Canadian, and International list screening
- Ascertained negative media, client industry, country risk and impact effecting reputational risk to the bank.
- Liaised and created rapports with relationship managers and law enforcement agencies using least amount window time in determining accounts.
0-5 years of experience
Coordinated with business units across the organization to ensure compliance with OFAC guidelines or any and all pertinent regulatory guidelines
- Conducted AML reviews and investigations utilizing Complinet, to resolve any Patriot Act or OFAC issues, with an eye towards PEP’s, Regulatory Enforcements, and Law Enforcement
- Filed SARs reports, either with the Director of AML or with the appropriate regulatory agencies
- Provided daily reconciliation reports, with an emphasis on any issues relating to Bank Secrecy Act/ OFAC on all cases to Head of AML unit.
- Reviewed and approved Know Your Client files for banking products, Credit swaps, Commodities Trades, Options trades, ADR, GDR
- Assisted with drafting of Policy and Procedure and assisted with completion of Self and Risk Assessments
- Conducted Fin CEN 314(a) searches
- Assisted with responses to regulatory bodies such as FINRA, SEC and other national and state regulatory bodies
0-5 years of experience
Researched and updated existing Individual and Business Canadian Accounts using internal software Citrix
- Used searched engines Lexis Nexis, Dow Jones, and Google for background checks and verify individual and business information.
- Prepared 3-4 case files daily for review including media search results and other linked internal accounts.
- Monitored account transactions including deposits, domestic, foreign wires, and account transfers for suspicious activity.
- Kept track of suspicious account activity and prepared reports escalated to Relationship Managers in timely manner.
0-5 years of experience
A Fortune-500 company providing financial services in global investment banking and investment management.
- Conducting internal AML annual reviews to ensure 100% compliance with CIP, KYC, and
- Performing Customer Due Diligence/Enhanced Due Diligence for a wide range of institutional and retail US and Canadian customers.
- Performing Due Diligence to assess and mitigate risks associated with high risk customers to ensure compliance with state, federal and company-specific regulations.
- Reviewing, analyzing, and documenting risk ratings of customers in regards to money
- Analyzing and documenting customer-activities in high risk countries.
0-5 years of experience
Quality Assurance of all SARS before submission to Legal Counsel for submission to FinCEN
- Investigate check fraud including Counterfeit Check Schemes, presentments on closed accounts, analysis of various accounts (payable through drafts, settlement accounts, clearing accounts for collections, Correspondent banking accounts)
- Investigate wire-frauds, suspicious wire-fraud, lockbox, international cash letters, EARNS reports, securities frauds pertaining to BSA/AML requirements FINCEN 314(a)(b)
- Draft and write SAR reports
- Investigate OFAC related violations (Iranian/Syrian U-Turns, stripping, cover payments (MT202 and MT202 COV)
- Communicate and work with every part of the financial institution (corporate security, GIS, FTD, EFT, ) to fully understand the nature of investigations
- Conduct Lexis Research and Westlaw research, and utilize various specialized resources for the purpose of investigations (mastery of Dunn and Bradstreet)
AML Analyst Resume FAQ.
What is AML data analytics?
An AML, or anti-money laundering analyst, investigates financial transactions or arrangements that appear suspicious, fraudulent or illegal. They help businesses comply with federal rules and regulations to avoid disruptive audits, accusations, fines or criminal procedures
How to describe “AML analyst” in a resume?
An AML analyst resume has three strategic sections where you can describe your practical analytical skills: your introductory resume summary, work history and skills section. Let’s demonstrate how you can define one core skill across these three sections. Pro tip: we’re showing three ways to describe one anti-money laundering skill as an example of different techniques, but your resume should feature new, unique skills under each section
Sample resume summary:
Experienced AML analysts versed in using internal transactional records, customer trends and external documentation related to trend forecasting, public tax filings and additional data points to identify possible financial discrepancies
AML analyst work history example:
- Responsible for identifying and researching the patterns and anomalies in complex transactions to detect, prevent, mitigate and report suspicious activity related to money laundering.
- Compared internal data with publicly-available trend forecasting, tax documents and additional external data to identify potential discrepancies.
Additional AML analyst skills your resume can feature
- Internal data analysis
- External research
- Familiarity with federal tax regulations
- Knowledge of international banking laws and regulations
- Transferable resume skills.
What skills are needed for an AML analyst?
The skills each AML analysis job requires change depending on the company and level of seniority related to the position. However, it’ll be safe to assume that most hiring managers are interested in candidates with the following resume skills
AML analyst technical skills
- Accredited Financial Examiner (AFE)
- Certified Financial Examiner (CFE)
- AML software knowledge i.e., Clear View KYC, ML Verify or Fiserv AML Manager
Hard skills
- Computer literacy
- Attention to detail
- Organization
Soft skills
- Critical thinking
- Time management
- Analytical skills
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AML Analyst
Last edited by: Gabriela Barcenas, CPRW, Content Writer II -
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
