UMB Financial Corporation

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BSA/AML Analyst Sr.

at UMB Financial Corporation

Posted: 9/21/2019
Job Status: Full Time
Job Reference #: 1422119

Job Description

What You'll Do
In addition to the duties and responsibilities of the BSA/AML Analyst II, the BSA/AML Analyst Sr. is responsible for conducting investigations, reviews, and/or monitoring of more complex activities and/or higher risk customers at a high level of performance and timeliness. The position also provides proactive support to business units and assists management in ensuring the Bank operates in accordance with all legal and regulatory requirements and all standards of conduct. Position may be called upon to provide training or respond to questions from BSA/AML Analyst I. Additional duties, responsibilities, and expectations may vary by functional area.
-Investigations - Responsible for conducting investigations based on referrals and management requests outside of AML surveillance activities.
-EDD - Responsible for performing customer relationship reviews on higher risk customer types (i.e., MSBs, third party payment processors, privately owned ATMs, etc.) and/or within non-traditional lines of business. Reports are maintained as documentation for knowing the customer.
-AML Risk - Responsible for conducting monitoring of more complex or non-traditional lines of business. Assists with conducting risk assessments on products and services as well as high risk customers. Performs elements of the annual risk assessment with supervision.
-Quality Assurance - Responsible for reviews of SARs to ensure decision, analytic, technical and research quality standards have been met in accordance with operational procedures. Quality Assurance reviews will include an intuitive cursory review of the SARs fact pattern to ensure a sound basis for filing has been met and is reasonably supported by fact-based analysis. Technical and narrative sample reviews of Alert Assessments and EDD Reviews. Technical reviews of CTRs, MILs and KYC documentation. Prioritizing work load and simultaneously providing coaching and feedback to analysts and investigators in accordance with procedures. Continuously developing knowledge base of financial crime matters to ensure expertise level is commensurate with the intuitive portion of the task at hand.
-Other job duties as assigned.

Requisition Number

We strive to deliver the unparalleled customer experience, and show customers they can count on more from UMB. The same is true for our associates. You can count on more benefits, more training, more support, and more opportunity!

What you'll get:
Unique Benefit Programs : We offer a great benefits package including several unique programs like an incentive-based wellness program, parental leave, adoption assistance and health care for you, your spouse or domestic partner, your dependents and even your pets!!
Professional Development: We provide our associates with the tools they need to support their career goals - including training, tuition reimbursement and career guidance.
Community Involvement: Giving back is a big part of who we are! We support several great causes throughout the UMB footprint. We even offer Volunteer Time Off, which allows associates to dedicate 16 hours a year to a worthy cause of their choice.
Culture of Diversity and Inclusion: We are committed to building a strong UMB by hiring talented, high-performing associates with diverse backgrounds. Maybe you simply want to work at a company where you have a voice and an opportunity to share your unique ideas.

Please visit us at to view a list of all available opportunities. UMB is an Equal Opportunity Employer. Principals only. No 3rd parties or agencies, please.

Work Schedule
Monday-Friday: 8:00am-5:00pm

Division Name
Corporate Risk Services

Kansas City

Preferred Requirements
-CAMS certification
-3 years previous audit, monitoring or risk analysis experience

Job Title
BSA/AML Analyst Sr.

1010 Grand Blvd

Full Time


In this Role, You will Need
-Demonstrates strong analytical skills and attention to details
-Demonstrates strong knowledge of BSA/AML laws and regulations
-Demonstrates strong written and verbal communication skills
-Demonstrates strong interpersonal skills and the ability to influence others
-Demonstrates ability to work in an environment of extreme confidentiality with sensitive information
-Demonstrate a discipline of continuous learning
-Demonstrates ability to identify and assess BSA/AML risks and articulate controls to mitigate these risks
-Demonstrates strong interpersonal skills with the ability to influence others and build strong relationships across all levels of the organization
-Demonstrates ability to handle SARs and complex financial crime matters, auditing this area and/or criminal investigation and/or experience as internal auditor, state/federal regulator or compliance testing specialist
-Beyond basic working knowledge of BSA, AML, SARs, assessments, due diligence reviews, Currency Transaction Reports (CTRS) and KYC reviews.
-Demonstrates excellent organization and time management skills
-Demonstrates ability to work independently and in team environments, think critically, and adapt to changing regulatory expectations

Who You Are
-BA with 5 years industry relevant experience (financial institution positions of a frontline, customer contact, operational, compliance, and/or fraud investigation nature OR without BA 7 years industry relevant experience
-3 years of AML experience at UMB OR 5 years of AML experience at another financial institution