Senior Client Relationship Associate
New Client Intake & Vetting (All Customers)
Serve as the primary compliance point of contact for all new customer relationships.
Partner with RMs, PMs and business stakeholders during onboarding to assess:
- Customer business model and underlying activities
- Ownership, control, and governance structure
- Expected account activity, products, and overall risk profile
- Collect, review, and validate onboarding documentation, including KYC materials, ownership structures, organizational documents, and applicable licenses
- Proactively identify elevated risk factors at intake and ensure timely application of Enhanced Due Diligence (EDD) requirements
Bank Secrecy ACT (BSA) Onboarding Submissions
Prepare and submit comprehensive BSA/ Anti Money Laundering (AML) onboarding packages for all new clients when required, including both Marijuana-Related Business (MRB) and non-MRB customers.
Ensure all submissions are complete and accurate, meeting internal policy requirements and regulatory audit/exam standards.
Take ownership of external and internal requests by responding to inquiries, completing assignments with accuracy and on time.
MRB-Specific Compliance Responsibilities
Perform MRB Enhanced Due Diligence in accordance with FinCEN guidance, regulatory expectations, and internal policy.
Review and validate cannabis licenses and renewals, ownership and control structures, and key operational details.
Monitor and manage ongoing MRB compliance requirements, including:
- License renewals, updates, and jurisdictional changes
- Ownership, management, or control changes
- Business expansions or changes in products, services, or activities
- Prepare and submit MRB follow-on reviews to BSA/AML as required and support SAR-related analysis and escalation considerations
Audit, Exam, & Process Support
Maintain clear, complete, and well-documented client and compliance files that are always audit/exam-ready.
Support BSA/AML, Compliance, and Internal Audit teams during regulatory exams, audits, and internal reviews by providing documentation, explanations, and issue support.
Partner with Client Service and Account Opening teams to identify, investigate, and resolve ownership or control discrepancies.
Fulfill audit, exam, RFIs and ad-hoc information requests related to onboarding, KYC, ownership, and account structures in a timely and accurate manner.
Contribute to process improvements that strengthen documentation standards, audit readiness, and cross-functional coordination.
Ongoing Compliance & Amendments (All Customers)
Manage ongoing BSA/AML compliance obligations following client onboarding.
- Review, assess, and manage amendments or trigger events requiring additional BSA review, including:
- Ownership, control, or governance changes
- Changes in business activities, products, or customer risk profile
- Accounts, product, or structural modifications
- Ensure KYC, CDD, and EDD records remain accurate, current, and fully documented in accordance with regulatory and internal policy requirements
- Coordinate and support periodic and event-driven reviews for higher-risk customers, partnering with BSA/AML and business stakeholders as needed
Internal Coordination & Support
Serve as the primary internal point of contact for RMs and cross-functional teams on BSA/AML-related questions and requirements.
Provide clear guidance on onboarding documentation, BSA expectations, and risk considerations to support compliant deal structuring.
Partner with business teams early in the client lifecycle to identify potential compliance gaps and risk issues.
Help prevent incomplete, high-risk, or non-viable opportunities from advancing to formal BSA review, improving efficiency and reducing rework