AML Operations Sr Analyst

Overview

Who we are

To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.

Who we’re looking for

The AML Operations Senior Analyst is responsible for the identification, evaluation and disposition of consumer and commercial financial anti-money laundering and sanctions matters including retail banking, mortgage transactions, commercial lending and indirect auto loans. The position requires deep knowledge of AML and OFAC operations management including all aspects of money laundering and sanctions detection, investigation, reporting and monitoring.  The position will also support enhancements and projects to the anti-money laundering and sanctions program which will provide oversight and controls for Toyota Financial Savings Bank. The AML Operations Senior Analyst must have experience responding to money laundering alerts (auto finance experience a plus), while balancing customer experience and minimizing friction. Strong experience with AML investigations and SAR writing.

What you’ll be doing

Day-to-Day AML Operations Management:

• Effectively review AML and sanctions alerts.  Timely create and decision alerts to AML/sanctions cases; ensuring that cases are investigated, if necessary escalated and properly dispositioned.

• Identify the characteristics of money laundering and sanctions compliance concerns experienced by a retail and commercial bank.

• Conduct enhanced due diligence, assign anti-money laundering risk rating and conduct high risk customer due diligence refresh and periodic reviews.

• Effectively conduct money laundering and sanctions investigations on alerts escalated to cases in TFSB’s case management system.  Demonstrate ability to develop strategies to research and identify key components of a money laundering or sanctions investigation, including the who, what, where, when, why and how this activity occurred and the impact to the business.  Show a strong acumen to communicate these finds in writing in a typical and concise investigative format consistent with regulatory reporting requirements. 

• Draft and initiate contact with customers and other financial institutions to facilitate investigations.

• Demonstrate intellectual agility to work in an unstructured environment with the ability to organize and prioritize assignments, day-to-day responsibilities and unplanned action items that must be completed to meet management expectations and compliance deadlines.

• Identify and recommend enhancements and process improvements based on assessment of AML systems and processes.

• Identify business challenges and opportunities for improvement and recommend solutions using analysis to make strategic or tactical changes that will improve the institutions AML and sanctions compliance, including onboarding new anti-money laundering mechanisms, onboarding new data sources to improve AML reviews, etc.

• Support the build out of a AML Team within Compliance and be a subject matter expert in the AML and sanctions domain, monitoring internal case insights as well as external AML news & capabilities to shape strategy and rules.

• Provide support to strengthen the development of AML program elements to support the growth of the Bank.  These program elements include, but are not limited to, enhancing client risk rating methodologies, 3rd party oversight, and customer due diligence.

• Serve as AML/sanctions subject matter expert on enterprise-wide programs and projects.

• Work collaboratively with the AML Operations Manager, business units, architects, business analysts, developers, product managers, visual designers, and/or user experience teams to document requirements, acceptance criteria, to prioritize, and design services and products to support safe and frictionless customer experience and a robust compliance control environment.

• Support the development and implementation of a comprehensive AML monitoring strategies/models and business rules.

• Work closely with Compliance and Legal on any special investigation needs, as well as ensuring 100% compliance with laws and regulations and timely filing of SARs.

• Support continuous improvement of the AML monitoring systems, processes, and policies for the operational business unit/department.

• Demonstrated proficiency at defining, analyzing, documenting, and communicating quality management platform requirement business and technical teams.

Communication, Metrics & Reporting:

• Manage the key metrics and work with Product, Technology, Operations, and other partner teams to improve the data-driven performance.

• Define, compile, and report key AML and sanctions compliance metrics to senior management and the AML Operations Manager and others, as instructed.

• Manage the reporting of key performance indicators; present analyses and findings to management to steer the AML team’s strategic vision.

• Timely escalate identified risks to team leadership up to and including the AML Operations Manager, the BSA/AML Officer, and the Chief Compliance Officer.

What you bring

• Bachelor’s degree required or equivalent experience

• 4+ years of relevant investigative work experience (in similar field and/or industry)

• 3 + years of SAR Writing Experience, including writing, updating and submitting

• Demonstrated experience organizing, prioritizing, and handling multiple tasks with a high level of efficiency

Added bonus if you have

• Advanced Degree (MBA; JD)

• Certified Financial Crimes Investigator (CFCI) or Certified AML and Fraud Professional (CAMS)

What we’ll bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect

• Professional growth and development programs to help advance your career, as well as tuition reimbursement

• Team Member Vehicle Purchase Discount

• Toyota Team Member Lease Vehicle Program (if applicable)

• Comprehensive health care and wellness plans for your entire family

• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute

• Paid holidays and paid time off

• Referral services related to prenatal services, adoption, childcare, schools and more

• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

• Relocation assistance (if applicable)

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.