Job DescriptionThe 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.
As an International Analyst, you will play a critical role in maintaining the integrity of our customer risk management program by conducting thorough reviews of elevated and high-risk client profiles to ensure compliance with regulatory standards and internal policies. This position involves analyzing customer data, validating documentation, and assessing risk indicators to identify gaps or inconsistencies. You will collaborate closely with other compliance, operations, and business partners to resolve issues, escalate concerns, and recommend process improvements. Strong attention to detail, analytical thinking, and a commitment to accuracy are essential, as your work directly supports the organization's ability to meet BSA/AML requirements and uphold a culture of compliance.
Key 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.
- Assess overall customer risk profile and provide well-reasoned, sound recommendations.
- Clearly and thoroughly 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.
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than three years of applicable experience
Preferred Skills/Experience
Candidates who thrive in this position demonstrate the following strengths:
- 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.
They also tend to embody key professional qualities, including:
- Self-motivation and ownership of their work.
- Openness to feedback and a coachable mindset.
- Agility and adaptability in a fast-changing environment.
- A commitment to integrity, sound judgment, and ethical decision-making.
Location expectations This role requires working from a U.S. Bank location three (3) or more days per weekBenefits:Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
- 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
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $75,820.00 - $89,200.00
Posting may be closed earlier due to high volume of applicants. 
