CDDO International Periodic Review Analyst

About the role

The Customer Due Diligence Operations (CDDO) team is a centralized function within Enterprise Financial Crimes Compliance (EFCC), specializing in Know Your Customer (KYC) operations and key Anti-Money Laundering (AML) activities that protect the bank from financial crime risk. CDDO executes critical due diligence processes and plays a central role in ensuring the bank meets regulatory expectations and maintains a strong, consistent KYC program.

Responsibilities

• Conduct in-depth reviews of elevated and high-risk customer profiles to ensure alignment with regulatory requirements and internal risk standards.
• Gather and analyze customer information and activity patterns to identify risk indicators, inconsistencies, or gaps requiring clarification or escalation.
• Validate documentation and data accuracy to ensure profiles meet enhanced due diligence expectations.
• Audit overall customer risk profile and provide well-reasoned, sound recommendations.
• Document findings, supporting conclusions with strong analytical rationale.
• Ensure due diligence documentation is complete, accurate, and sufficient to support risk assessments, escalation decisions, and regulatory or audit review.
• Collaborate with Compliance, Operations, and Business Line partners to address review inquiries, resolve risk-related issues, and support timely escalation and disposition of international reviews.
• Escalate unusual or potentially suspicious activity to investigative teams to facilitate appropriate review and action.
• Identify opportunities to enhance processes, contribute to continuous improvement efforts, and support a strong compliance culture.
• Manage a dynamic review queue by prioritizing work based on risk, deadlines, and business needs while maintaining high accuracy and timeliness.
• Maintain ongoing awareness of applicable international AML regulatory requirements, guidance, and emerging risk trends to ensure due diligence practices remain current, risk-based, and compliant.

Qualifications

• Bachelor's degree, or equivalent work experience.
• Typically more than three years of applicable experience.
• Strong critical thinking and problem-solving abilities.
• Strong ability to independently research internal and external information and identify accurate, well-supported conclusions.
• Clear and effective written and verbal communication skills, including the ability to articulate complex concepts.
• Ability to manage multiple priorities, organize work efficiently, and meet deadlines in a fast-paced environment.
• Comfort working with data, including identifying patterns and drawing insights.
• A collaborative mindset and willingness to work across diverse teams.
• Strong understanding of applicable international AML and enhanced due diligence (EDD) regulatory requirements.

Skills

• Strong attention to detail.
• Analytical thinking.
• Commitment to accuracy.

Benefits

• Healthcare (medical, dental, vision).
• Basic term and optional term life insurance.
• Short-term and long-term disability.
• Pregnancy disability and parental leave.
• 401(k) and employer-funded retirement plan.
• Paid vacation (from two to five weeks depending on salary grade and tenure).
• Up to 11 paid holiday opportunities.
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law.