Aml Consultant jobs

Our mission is to help people and businesses prosper. Guided by our values “Simple, Personal, and Fair”, we strive to be the best open financial services platform, acting responsibly to earn the lasting loyalty of our people, customers, shareholders, and communities. We live this mission through our TEAMS behaviors: we Think Customer, Embrace Change, Act Now, Move Together, and Speak Up to create a culture of trust, innovation, and collaboration. We adopt a strong risk culture, and we expect all our professionals, regardless of their position, to have a proactive and responsible attitude towards risk management.

We are seeking a detail-oriented AML/ATF Analyst to support the Bank’s second-line AML/ATF function. Reporting to the AML Manager, the AML Analyst supports the implementation and monitoring of the Bank’s Anti-Money Laundering and Anti-Terrorist Financing (AML/ATF) compliance programs, including real-time Know Your Customer (KYC) and customer screening for prospective customers. The role will assist with other key AML/ATF compliance activities, including reviewing, investigating, documenting, and escalating exceptions and alerts; maintaining complete case evidence; monitoring queues, aging, and service levels; and supporting quality assurance, management reporting, regulatory reporting, data-quality analysis, and control oversight. The Analyst will identify recurring control or data-quality issues and escalate higher risk or uncertain matters to the AML/ATF Manager. The successful candidate will conduct detailed analysis, prepare clear documentation, and collaborate with internal stakeholders to strengthen controls and monitoring. . The position requires strong analytical skills, attention to detail, and the ability to work both independently and collaboratively in a fast-paced environment.

Job Duties and Responsibilities

AML Monitoring, Reporting & Compliance Support

• Complete assigned AML/ATF casework accurately, on time, and within approved authority.
• Conduct first-level review and resolution of generated alerts, exceptions and reports; clearly document findings, decisions, and evidence.
• Perform KYC, CDD, EDD, customer risk, and unusual activity reviews, and prepare cases for Manager review.
• Maintain accurate trackers, case records, evidence, and escalation outcomes.
• Prepare AML/ATF metrics and updates for Committee, Board and HQ reporting, subject to Manager or VP review.
• Support regulatory projects, audits, effectiveness reviews, FINTRAC examinations, training, and issue/remediation tracking.

Customer Risk Management and Screening

• Monitor screening queues, aged cases, record reasons, and next steps for overdue items.
• Review KYC and screening data, conduct authorized open-source research, investigate PEP, HIO, SIP, sanction individuals, and other alerts.
• Resolve routine false positives as permitted under approved procedures and delegated authority.
• Support four-eyes review by preparing completed case files for independent review.
• Monitor failed API calls and system issues, reconcile affected items, and escalate control issues.
• Perform QA sampling of auto-cleared cases and perform case reversals as may be required.
• Analyze data-quality issues and recommend screening or control improvements for approval.
• Promptly escalate high-risk, suspicious, sanctions-related, unclear/uncertain matches, overdue, systemic/control-deficiency issues and other matters requiring approval to AML Manager or VP.

Collaboration & Stakeholder Support

• Maintain working relationships with 1st and 2nd line of defense, HQ and local business units.
• Provide guidance/support to business partners on AML-related inquiry or process.

Qualifications

• Bachelor’s degree in risk management, finance, business, or a related field.
• AML or compliance certification, such as CAMS, is an asset but not required.
• Knowledge of Canadian AML/ATF regulatory regime

Experience, Skills & Competencies

Experience:

• Experience in AML compliance or related financial services role.
• Experience in Canadian financial services, consumer lending, or indirect auto lending (preferred).
• Experience supporting regulatory reporting, compliance monitoring, or risk management activities.
• Experience with AML screening, KYC, case management, workflow, reporting, or similar financial-crime systems is preferred.

Skills:

• Sound judgment and willingness to raise concerns.
• Clear written and verbal communication.
• Able to manage competing priorities and deadlines.
• Ability to review screening results, customer data, and evidence, and document clear conclusions.
• Ability to prepare regulatory filings, reports, and compliance documentation.
• Ability to generate and maintain compliance and monitoring reports.
• Proficiency with standard office and reporting tools to support analysis and documentation.

Competencies:

• Analytical thinking and problem-solving abilities.
• Attention to detail and accuracy in preparing reports and regulatory submissions.
• Strong verbal and written communications.
• Organization and time management to handle multiple tasks and deadlines simultaneously.
• Collaboration and teamwork when working with compliance partners and business units.
• Initiative and independence in managing assigned responsibilities with minimal supervision

Working Conditions / Physical Requirements

• Work is performed primarily in an office environment using standard office equipment.
• Prolonged periods of sitting and extended computer use.
• Frequent multitasking and task switching due to reporting and compliance deadlines.
• No travel is required.

Conditions of Employment

• Must be legally entitled to work in Canada.
• Successful completion of a background check, including criminal record prior to employment.
• Compliance with Santander Consumer Canada’s Code of Conduct, Information Security policies, and applicable regulatory requirements.

Why Join Us?

At Santander Consumer Bank, we are committed to fostering a culture of compliance and ethical behavior, ensuring that our operations align with laws, regulations, and internal policies. We value innovation and collaboration. As a part of the team, you will have the opportunity to contribute to the success of our business while furthering your career in a supportive and dynamic environment. Join us in our mission to create a safe and secure environment for our customers, stakeholders and our employees.

Application Process

Interested candidates should submit their resume and cover letters detailing their relevant experience and interest in the position. Please note that only shortlisted candidates will be contacted.

Santander Consumer Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Ability to commute/relocate:

• Edmonton, AB T6E 5Y7: reliably commute or plan to relocate before starting work (required)

Education:

• Bachelor's Degree (preferred)

Location:

• Edmonton, AB T6E 5Y7 (required)

Work Location: In person