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AML/KYC Officer - Auto Finance - Phoenix, AZ

Req #: 170113952
Location: Phoenix, AZ, US
Job Category: Relationship Management/Sales
Potential Referral Amount: 0 US Dollar (USD)

The KYC Officer will be part of the Dealer Commercial Services team supporting client coverage with the fulfillment of AML/KYC requirements. The KYC Officer will partner with Bankers, Underwriters and the AML/KYC QC Due Diligence team to ensure all client KYC records are compliant with regulatory standards.  The KYC Officer will also ensure high quality and timely completion of all client-level due diligence requirements at inception and renewal of client relationships. The KYC Officer will report to the KYC Manager.
Responsibilities include, but are not limited to:
  • Evaluate client AML/KYC risk, including the identification of key issues and related mitigations, conducting independent research, verifying appropriate risk profile, and making independent risk assessment recommendations; liaise with various groups like legal, compliance, credit, and AML/KYC QC Due Diligence team as needed to ensure a robust risk analysis and assessment
  • Partner with Bankers to collect, analyze, and validate all appropriate due diligence and onboarding documentation provided by the client; utilize knowledge of AML/KYC policy to independently identify missing or insufficient client due diligence information
  • Author and prepare well thought out and concise due diligence commentary that demonstrates a fulsome analysis and assessment of AML/KYC risk and outlines sound recommendations
  • Accountable for managing AML/KYC related KPIs (key performance indicators) to ensure consistency in quality and timeliness of completion
  • Take ownership of quality control issues related to client due diligence and partner with Bankers to resolve accordingly and escalate as appropriate
  • Validate all client data and supporting documentation is appropriately recorded and stored on proprietary systems.
  • Research and analyze negative client findings; partner with Bankers and compliance to reach resolution and ensure appropriate documentation of outcome.
  • Special projects, including remediation and others, as directed by regulators, internal audit, etc
  • BS/BA Degree or equivalent work or military experience preferred
  • Ability to demonstrate excellent verbal and written communication skills
  • Ability to properly identify AML risks and demonstrates a solid grasp of AML/KYC policy
  • Thorough knowledge of AML risk including operational and credit risk related to transactions associated with bank products and services
  • Ability to understand complex ownership structures and entity formation types (including principal and key officers)
  • Basic knowledge of business entity documentation such as Articles of Incorporation, Certificate of Good Standing, LLC and partnership agreements
  • Excellent time management and organizational skills
  • Strong analytical and problem-solving skills
  • Ability to multi-task effectively and leverage internal resources
  • Strong client focus and ability to partner with various internal groups
  • Excellent attention to detail
  • Independent, self-motivated, with an ability to adapt and be flexible in a team environment
  • Experience in financial services, specifically Corporate/Commercial Banking, is a plus
  • Previous credit training or underwriting experience is a plus
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