AML Specialist
Tompkins Financial
AML Specialist
Tompkins Financial
Community banking wealth and insurance
The AML Specialist supports the Company’s Anti‑Money Laundering/Countering the Financing of Terrorism (AML/CFT), Customer Identification, and Sanctions Monitoring programs to ensure compliance with federal and state regulatory requirements. This role conducts transaction monitoring reviews, high‑risk customer due diligence, and suspicious activity investigations, prepares regulatory filings, and supports the ongoing effectiveness of the AML program through collaboration with business partners and compliance leadership.
Regulatory Compliance Assurance: Support the effective execution of the Company’s AML/CFT, CIP, and sanctions programs to ensure ongoing compliance with applicable federal and state regulations.
Suspicious Activity Detection and Reporting: Identify, investigate, and report potentially suspicious activity in a timely and accurate manner to protect the organization from financial crime risk.
High‑Risk Customer Oversight: Perform enhanced due diligence and ongoing monitoring of high‑risk customers to mitigate exposure to money laundering and terrorist financing risks.
Cross‑Functional Collaboration: Partner with lines of business and internal stakeholders to obtain and analyze customer information and promote strong AML awareness and accountability.
Continuous Program Improvement: Maintain and enhance AML knowledge, tools, and processes to support the effectiveness and sustainability of the Company’s AML program.
Key Responsibilities
Transaction Monitoring and Investigations
Review transaction monitoring alerts and reports
Identify potential suspicious activity and escalate alerts as appropriate
Prepare and file Suspicious Activity Reports and Currency Transaction Reports within regulatory timelines
High‑Risk Customer and Due Diligence Management
Conduct high‑risk customer due diligence and periodic reviews
Review customer account activity for CIP, CDD, and Beneficial Ownership compliance
Sanctions and Regulatory Screening
Review and disposition potential sanctions and Section 314(a) matches
Support law enforcement requests and subpoenas as needed
Stakeholder Engagement and Communication
Collaborate with lines of business to obtain customer information and clarify transactional activity
Maintain effective working relationships to support AML monitoring and compliance
Program Support and Professional Development
Support Corporate AML leadership with programmatic activities
Seek ongoing learning opportunities and share AML knowledge with team members
Associate’s degree or equivalent experience in lieu of a degree required; Bachelor’s degree in finance, accounting, business administration, or a related field preferred
CAMS and/or CFCS certification preferred
Two to four years of experience in BSA/AML compliance or a related financial crime role
Strong analytical skills with the ability to evaluate complex transactional data and draw sound conclusions
Strong written and verbal communication skills with the ability to document findings clearly and professionally
Proven ability to handle sensitive and confidential information with discretion
Proficiency in Microsoft Office and familiarity with AML monitoring systems and related technology
Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.
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Community banking wealth and insurance
Tompkins Financial is a financial holding company for community banking, wealth-management, and insurance businesses. Local relationship teams operate with shared risk, technology, finance, compliance, and corporate capabilities. Its regional affiliates provide deposit, lending, investment, trust, planning, and insurance services to households and organizations. The profile is Tompkins Financial and its affiliated operating companies in New York and Pennsylvania. Roles span branch banking, lending, wealth, insurance, operations, technology, risk, and professional support.
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