AML / CFT Analyst

Job Description

Job Description

The Role : AML / CFT Analyst

The Location : Los Angeles, Orange County, San Diego, Ca

Reports To : AML / CFT Officer

Make a Difference Where It Matters Most

At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it’s trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make.

We’re looking for leaders who want more than a title. We’re looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you.

Your Opportunity : AML / CFT Analyst

The AML & CFT Analyst plays a vital role in executing the Bank’s financial crime prevention efforts by conducting daily monitoring, research, and investigation of transactional activity. This role reviews system-generated alerts, analyzes client behavior, gathers supporting documentation, and prepares detailed Suspicious Activity Reports (SARs) and internal escalations when warranted. The Analyst ensures compliance with Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Counter-Financing of Terrorism (CFT) regulations while maintaining diligent documentation and timely reporting.

By providing meticulous and accurate investigative work, the Analyst strengthens the quality and reliability of the Bank’s AML control environment. Their contributions reduce financial and reputational risks, enhance regulatory confidence, and support the Bank’s ability to operate securely and responsibly. This role directly fortifies both the department and the organization by enabling informed decision-making, safeguarding client trust, and reinforcing the Bank’s commitment to maintaining a robust compliance culture.

What You’ll Do

Conduct detailed investigations and analysis of customer transactions, identifying potential money laundering, fraud, or other suspicious activities. Ensure compliance with AML / CTF laws. Responsibilities include analyzing complex data and providing insights to AML / CFT Officer.

Travel between bank branches as needed.

SAR Investigations

Conduct investigations by utilizing the bank’s resources : i.e. system software, reports, database, and system applications to determine if suspect account activity meets the established criteria for investigation of suspicious activity.

Collect, document, research and compile investigation data (e.g. media search results, copies of statements / checks, results from internal system and internet searches etc.); prepare case files for reporting.

Review monthly / quarterly cash reports for potential suspicious cash related activity.

Thoroughly document and report SAR and No-SAR investigations; obtain requisite internal approvals; ensure timely preparation and filing of reports.

Execute higher risk customer enhanced due diligence and reviews.

Investigate, prepare and file suspicious activity reports.

CDD / EDD Responsibility

Complete assigned AML / CFT software alert reviews in an accurate and timely manner.

Validate / change risk ratings based on review of KYC and CIP performed by branch personnel and report to AML / CFT Officer any deviation or change.

Utilize all resources including account transactional data, AML / CFT software metrics, alerts, historic behaviors, make determinations of irregular activity through understanding of industry norms, business types, and regulatory definitions of suspicious activity.

Document findings and support narratives in all EDD reports.

Maintain, manage and control an updated EDD log and compare to AML / CFT software reviews.

Prepare, and submit CDD / EDD reviews to AML / CFT Officer for review and sign off.

Review daily core system, AML software cash reports to identify CTR filings.

Involvement in cash vault process to maintain awareness of client base utilizing service and impact on CTR reporting.

Research and creates reports for management to respond to information requests from FinCEN and other government entities.

Monitors, inform and report to management any issues with AML / CTF software system.

Report to AML Officer monthly activity metrics.

Values

Maintain the highest level of integrity and ethical business practices.

Create, encourage and participate in a collaborative environment.

Assume responsibility for your successes and errors.

Who You Are

Experience & Expertise

5+ years AML and / or compliance experience or equivalent

5+ years of audit or bank operations experience

10+ years of banking experience.

Current knowledge of the laws and guidance applicable to money laundering, including the 2020 AML Law, BSA, USA PATRIOT Act, US Treasury AML / CTF guidelines, FATF, and OFAC.

Excellent organizational and time management skills

Report writing and strong technical skills

Sound judgment and critical thinking skills

Advanced MS Excel skills

Comprehensive understanding of general banking operations activities, products and services

Assists in special projects and tasks for the department

Good mathematics, reasoning, oral comprehension skills

Excellent oral and written communications skills

Mindset & Values

You lead with accountability, integrity, and consistency.

You thrive in a collaborative environment where transparency and follow-through matter.

You model professionalism, calm under pressure, and a solutions-oriented mindset.

You embrace data-driven decision-making while maintaining a client-first perspective.

You embody CalPrivate’s culture—heart for client, excellence in service, and deep commitment to the Bank and its people.

Physical Demands

Requires 50% travel between regional offices to support team members, clients, and cross-functional initiatives.

Ability to sit or stand for extended periods of time.

Ability to physically use a keyboard / mouse

Ability to walk to and from workstations

Ability to frequently lift and / or move up to 10lbs and occasionally lift and / or move up to 50 pounds.

Specific vision abilities required by this job include close vision and ability to adjust focus

Why CalPrivate Bank?

This isn’t just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don’t just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we’re building a team of people who reflect those values in everything they do.

If you’re looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?