Vice President – Financial Crimes Risk Intelligence & Assessment Office

About the role

The Financial Crimes Policy Engagement and Risk Intelligence & Assessment Office supports the firm's ability to make risk-based financial crimes decisions and execute Financial Crimes Policies consistently by delivering risk intelligence, policy engagement and guidance, and strategic solutions that strengthen controls and reduce operational inefficiencies across Wealth Management, E*TRADE, U.S. Banks, and Investment Management business lines.

Responsibilities

• Support and execute the Firm’s First Line Financial Crimes program for WM and U.S. Banks.
• Execute the strategic direction of the Financial Crimes programs and perform advisory, governance, and other oversight responsibilities, with a primary emphasis on tool-enabled, portfolio/program-level risk assessment and the ability to convert data signals into defensible risk decisions and control actions consistent with a risk-based framework.
• Work closely with the business, the second- and third-line stakeholders, to ensure the business is compliant with all relevant Financial Crimes standards, policies, procedures, and applicable laws and regulations.
• Partner with Business, Technology, Compliance, Legal, Operations, and Risk Management teams to translate financial crime risk drivers, typologies, and regulatory expectations into actionable control requirements (e.g., due diligence standards, escalation thresholds, documentation requirements, customer risk rating logic, and monitoring triggers) and embed them into operational workflows, tooling, and governance.
• Assess Financial Crimes risks from new and existing clients to recommend, agree, and communicate risk mitigation action plans, supported by clear documentation, investigative logic, and appropriate escalation narratives.
• Execute program-wide financial crimes risk assessments (portfolio/thematic) across customer types, products/services, delivery channels, and geographies; synthesize results into prioritized insights and measurable mitigation actions and manage risk through thematic coverage (latent & emerging risk), heightened risk and high-risk portfolio reviews, and targeted deep dives to test hypotheses derived from trend/typology indicators and external risk intelligence.
• Utilize financial crimes tools and analytical outputs at scale (e.g., KYC/EDD tooling, case management, adverse media/negative news platforms, screening outputs, transaction monitoring alerts, customer risk rating models, and MI dashboards) to identify patterns, anomalies, control gaps, and shifts in exposure; convert analytics outputs into risk decisions, client-level action plans, control enhancements, and credible escalation narratives for senior management and/or governance and oversight forums.
• Apply a financial crimes investigative background (e.g., investigations, intelligence-led reviews, complex EDD) to identify, articulate, and operationalize trends and typologies, using tools directly and/or partnering with analytics/data teams that perform large-scale analysis; incorporate external typology and red-flag intelligence (e.g., FinCEN advisories/alerts and other public risk intelligence) into monitoring hypotheses, thematic reviews, training content, and escalation criteria.
• Demonstrate knowledge of U.S. AML/CFT and BSA/AML supervisory expectations, including application of a risk-based approach to KYC, customer risk assessment, and financial crimes control design; enhance the Firm’s Financial Crimes program requirements and controls by developing guidance and strengthening first-line procedures designed to operate consistently at scale across high-volume populations, and ensure First Line compliance with all relevant Financial Crimes regulations, standards, and policies.
• Design, engage with, and report metrics for First Line Financial Crimes activities, including portfolio risk indicators, trend reporting, typology-based insights, and control performance measures.
• Conduct cross-border financial crime risk analysis by evaluating international legal and regulatory expectations affecting foreign and internationally connected clients, products, and transactions; assess how jurisdiction-specific risks and typologies (e.g., corruption exposure, sanctions touchpoints, transparency/beneficial ownership limitations, complex ownership structures, high-risk industries) influence U.S. AML/KYC requirements and control calibration.
• Promote innovative, "multiple-lens" risk identification and "outside-the-box" thinking within a controlled risk framework—triangulating typology intelligence, tool outputs, portfolio analytics, process walkthroughs, control testing observations, and frontline feedback, challenging assumptions and testing alternative hypotheses to detect financial crimes risk earlier and more consistently across the portfolio.
• Apply an investigative mindset to convert analytics outputs into risk decisions, client-level action plans, control enhancements, and promote innovative and "multiple-lens" risk identification—triangulating typology intelligence, tool outputs, portfolio analytics, process walkthroughs, control testing observations, and frontline feedback to identify non-obvious vulnerabilities and emerging threats.

Required Experience and Qualifications

• 7+ years of relevant experience with BSA/AML regulations within the financial services industry and/or at a financial services regulator (e.g., FINRA, SEC, OCC, Federal Reserve Bank, etc.).
• Financial crimes investigative background (e.g., investigations, intelligence-led reviews, complex EDD, suspicious activity typology development) with demonstrated ability to identify and communicate trends/typologies using financial crimes tools and/or by partnering with analytics/data teams conducting large-scale assessments.
• Experience performing Financial Crimes risk assessments for client relationships and thematic reviews, including portfolio/program-wide approaches aligned to a risk-based framework.
• Experience implementing and executing Financial Crimes Program requirements, translating regulatory expectations and typology insights into operationally executable first-line controls, procedures, and governance routines.
• Knowledge of Financial Crimes laws/regulations and best-practice First Line procedures, including risk-based customer due diligence consistent with supervisory expectations.
• Bachelor’s degree in business, finance, or related field. Master’s degree in business, finance, law, or related field (plus).
• ACAMS (CAMS) or equivalent AML certification/license.